Corgi vs Kinro Hired and Non-Owned Auto Insurance

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. ⁶Company-reported. HNOA product page, form CORG-HNOA-0100.

Kinro is a broker: it matches a business to an HNOA carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. ¹¹Company-reported. Hired & Non-Owned Auto page "Routing" and "Market fit" sections.

Corgi's HNOA page does not name an issuing insurer for the endorsement. Corgi's CGL page states CGL itself is underwritten by Technology Risk Retention Group, Inc., but the reviewed sources do not confirm whether the HNOA endorsement is issued by the same entity. ^6,7Not publicly disclosed. HNOA page as read on 2026-09-23, cross-checked against the CGL page's insurer statement.

Not described in the reviewed sources.

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. ²Company-reported. Homepage package contents as read on 2026-09-23.

Kinro says HNOA commonly fits restaurants, cleaning businesses, consultants and retail, and typically comes up when employees use personal cars for business errands or the business rents vehicles occasionally but owns no commercial fleet. ¹¹Company-reported. Hired & Non-Owned Auto page "Common fit" and "Triggers" sections.

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. ⁶Company-reported. HNOA coverage table, scenarios and policy notes; illustrative summary, not policy wording.

Kinro describes HNOA as addressing liability exposure from personal or rented vehicles used for business, such as deliveries, errands and client visits, and says it is a common companion to a BOP or general liability policy when the business does not own commercial vehicles. ¹¹Company-reported. Hired & Non-Owned Auto page "Coverage" section; actual terms depend on the carrier and policy placed.

Corgi's HNOA page lists non-owned and hired auto liability sublimits as "see declarations" rather than a published dollar figure, states the sublimit shares Corgi's CGL aggregate rather than adding to it, and shows a $1,000 per-occurrence self-insured retention. ⁶Company-reported. HNOA coverage table.

The reviewed page does not publish HNOA limits, deductibles or premiums; amounts would appear on a quote. ¹¹Not found in reviewed sources. Hired & Non-Owned Auto page as read on 2026-09-23.

The reviewed HNOA page does not describe driver-safety programs or fleet risk-management services for policyholders. ⁶Not found in reviewed sources. HNOA product page as read on 2026-09-23.

Not described in the reviewed sources.

Not described in the reviewed sources.

To quote HNOA, Kinro asks who drives for business and how often, whether staff make deliveries or sales visits or rent vehicles, and about driver policies and MVR practices, and often reviews it together with BOP, commercial auto and general liability coverage. ¹¹Company-reported. Hired & Non-Owned Auto page "Quote file" and "Reviewed with" sections.