Corgi vs 
Kinro: How Do They Compare for Hired and Non-Owned Auto Insurance?
Corgi excludes vehicle physical damage and some drivers from its HNOA endorsement; Kinro brokers liability coverage for business use of rented or personal cars.
Kinro targets restaurants, cleaners, consultants and retailers and often pairs HNOA with a BOP or GL; Corgi limits it to a Custom Package CGL endorsement. 1,4
What Are the Key Differences Between Corgi and Kinro Hired and Non-Owned Auto Insurance?
Small-Business Class Matching Versus Custom-Stage Eligibility
Kinro names restaurants, cleaning companies, consultants and retail businesses as HNOA prospects, often pairing the coverage with a BOP or GL. Corgi limits HNOA to an endorsement within its Custom Package, sharing the CGL aggregate and applying a $1,000 per-occurrence retention. 4 1 Choose Kinro if you run one of its named small-business types; choose Corgi if you qualify for Custom and accept its shared aggregate and retention.
Where Each Product Typically Sits
Corgi’s HNOA shares the CGL aggregate rather than adding a separate limit tower. Kinro describes HNOA as a common companion to a BOP or general liability policy when the business owns no commercial vehicles. Kinro names restaurants, cleaning businesses, consultants and retail; Corgi does not list those trades on the HNOA page. 1 4
Published Retention Versus Quote-Only Pricing
Corgi shows a $1,000 per-occurrence self-insured retention, sublimits as “see declarations,” and exclusions for physical damage, rideshare or livery, company-owned vehicles and independent contractors’ cars. Kinro’s reviewed page does not publish limits, deductibles or premiums; amounts would appear on a quote. To quote, Kinro asks who drives and how often, whether staff deliver, make sales visits or rent, and about driver policies and MVRs. Corgi’s HNOA page does not name an issuing insurer. 1 2 4
What Should You Confirm in Corgi and Kinro Hired and Non-Owned Auto Insurance Quotes?
- Ask Corgi for the declarations sublimit, CGL aggregate sharing and $1,000 retention. 1
- Ask Kinro which carrier’s appetite fit your trade and whether HNOA sits with a BOP or GL. 4
- Bring Kinro driver-frequency and MVR information. 4
- Confirm rideshare and independent-contractor exclusions on Corgi’s form. 1
Corgi vs Kinro Hired and Non-Owned Auto Insurance Compared
Corgi vs Kinro: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | Corgi Hired and Non-Owned Auto (HNOA) | Kinro Hired & Non-Owned Auto (HNOA) |
|---|---|---|
| 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. 3Company-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. 4Company-reported. Hired & Non-Owned Auto page "Common fit" and "Triggers" sections. |
| 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. 1Company-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. 4Company-reported. Hired & Non-Owned Auto page "Coverage" section; actual terms depend on the carrier and policy placed. |
| 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. 1Company-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. 4Company-reported. Hired & Non-Owned Auto page "Routing" and "Market fit" sections. |
