---
title: "Corgi vs HUB International: Hired and Non-Owned Auto Insurance"
description: "HUB can add theft or physical-damage options to HNOA on auto or GL; Corgi limits the coverage to its Custom Package CGL endorsement and $1,000 retention."
canonical: "https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-hub-international"
provider-a: "corgi"
provider-b: "hub-international"
coverage-line: "hired-non-owned-auto"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto)

## Agent Guide

**What this page is:** Focused comparison of Corgi and HUB International for Hired and Non-Owned Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Hired and Non-Owned Auto Insurance questions about Corgi versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs HUB International for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, Corgi or HUB International?
- What does Corgi or HUB International publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: Corgi and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international) — all coverage lines for this pair
- [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# Corgi vs HUB International: How Do They Compare for Hired and Non-Owned Auto Insurance?

Corgi provides excess liability as a CGL add-on; HUB International usually adds HNOA to an existing auto or general-liability policy.

HUB offers HNOA riders with optional physical-damage cover; Corgi limits HNOA to its Custom Package with a $1,000 retention.

## Corgi vs HUB International Hired and Non-Owned Auto Insurance Summary

HUB can add theft or physical-damage options to HNOA on auto or GL; Corgi limits the coverage to its Custom Package CGL endorsement and $1,000 retention. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [5](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

## What Are the Key Differences Between Corgi and HUB International Hired and Non-Owned Auto Insurance?

### Physical-Damage Option Versus Package Restriction

HUB attaches HNOA to commercial auto or GL and can add theft or physical-damage options. Corgi offers it only as a CGL endorsement in the Custom Package, where it shares the CGL aggregate and has a $1,000 per-occurrence retention. [5](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") Choose HUB if you need optional physical-damage cover; choose Corgi if you qualify for its Custom Package and want HNOA attached to CGL.

### Physical Damage and Sector Reach

Corgi’s HNOA excludes physical damage to the vehicle. HUB says additional protection can be available for theft or physical damage to non-owned vehicles used for business. HUB also names transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors, including employees or contractors; Corgi excludes independent contractors’ personal vehicles and rideshare or livery use. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [5](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

### Numbers and Tools

Corgi publishes a $1,000 per-occurrence self-insured retention and says the sublimit shares the CGL aggregate, with the dollar sublimit on the declarations. HUB’s reviewed pages do not publish HNOA limits, sublimits or retentions, and they do not name the issuing insurer. HUB recommends fleet-management tools such as automated documentation, real-time insurance data, driver monitoring and usage-based insurance; Corgi’s reviewed HNOA page does not describe driver-safety or fleet programs. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [5](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

## What Should You Confirm in Corgi and HUB International Hired and Non-Owned Auto Insurance Quotes?

- Ask Corgi for the declarations sublimit, aggregate sharing and $1,000 retention. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")
- Ask HUB whether the rider sits on commercial auto or GL and whether physical damage or theft is included. [5](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")
- Confirm how each form treats contractors, rideshare and livery. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [5](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")
- Get the issuing carrier from both; HUB’s reviewed pages leave it unnamed. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")

## Corgi vs HUB International Hired and Non-Owned Auto Insurance Compared

| Criteria | Corgi Hired and Non-Owned Auto (HNOA) | HUB International Hired and Non-Owned Auto Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | HNOA is not part of any of Corgi's stage-based packages (Pre-Seed & Seed, Series A, Growth Stage); it is offered only as an add-on policy alongside CGL, D&O, Tech E&O, Cyber, Fiduciary, Media and EPLI in the Custom Package. [3](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage package contents as read on 2026-09-23..) | HUB says HNOA exposure applies to organizations across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. [5](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post sector list; not an underwriting appetite statement..) |
| Coverage Features | HNOA provides excess liability coverage, meaning it pays after an employee's personal auto insurance or a rental company's policy, for bodily injury and property damage when employees drive personal or rented vehicles on company business. It excludes physical damage to the vehicle itself, rideshare or livery use, company-owned vehicles, and independent contractors' personal vehicles. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: HNOA coverage table, scenarios and policy notes; illustrative summary, not policy wording..) | HUB describes HNOA coverage as protecting a business when it rents or leases a vehicle, and when an employee's personal vehicle is used for work and the personal auto policy excludes or limits business use, leaving the business exposed if a claim exceeds the employee's own limits. [5](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim..)<br><br>HUB says HNOA liability is typically added as a rider or endorsement to an existing commercial auto or general liability policy, with additional protection available for theft or physical damage to non-owned vehicles used for business. [5](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post coverage-structure section..) |
| Role in This Line | Corgi sells HNOA as an endorsement to its CGL policy, not as a standalone product; the page describes it as extending CGL's liability coverage rather than a separately issued policy. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: HNOA product page, form CORG-HNOA-0100..) | HUB brokers hired and non-owned auto (HNOA) liability coverage as part of its commercial auto practice, arranging it as an endorsement or rider on a client's commercial auto or general liability policy rather than underwriting it directly. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [5](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity..) |

## About Corgi and HUB International and Hired and Non-Owned Auto

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto)

## Related Pages for Corgi vs HUB International Hired and Non-Owned Auto

- [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto): Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work, but it does not cover damage to those vehicles.
- [Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/corgi/hired-non-owned-auto)
- [HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/hub-international/hired-non-owned-auto)

## Sources for Corgi vs HUB International

### Sources About Corgi

1. [HNOA Insurance for Startups](https://www.corgi.insure/hired-non-owned-auto). Corgi Insurance; What's Actually Inside Your HNOA Endorsement (form CORG-HNOA-0100); Scenario notes; Policy notes; Available Add-ons; Glossary; FAQ. Accessed 2026-09-23.
2. [CGL Insurance for Startups](https://www.corgi.insure/general-liability). Corgi Insurance; Scenario note 1: CGL is underwritten by Technology Risk Retention Group, Inc.. Accessed 2026-09-23.
3. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup's Journey: Custom Package policy list showing HNOA as an add-on ('+') outside the staged tiers. Accessed 2026-09-23.

### Sources About HUB International

4. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage types list including hired and non-owned exposures, long and short-haul transportation, uninsured/underinsured motorists; Post-Accident Checklist. Accessed 2026-09-23.
5. [Make & Brake: Protect your business financially with hired and non-owned auto insurance](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/). HUB International; What HNOA covers; who needs it (transportation, hospitality, education, healthcare, nonprofit, gig/shared-economy sectors); coverage structure as a rider or endorsement; technology-driven fleet management recommendations. Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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