---
title: "Corgi vs Kinro Hired and Non-Owned Auto Insurance"
description: "Corgi sells HNOA as a CGL endorsement with a published $1,000 SIR; Kinro matches restaurants and similar operations to HNOA carriers beside a BOP."
canonical: "https://spot.insure/compare/corgi-vs-kinro/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Corgi vs Kinro Hired and Non-Owned Auto Insurance

Corgi sells HNOA as a CGL endorsement with a published $1,000 SIR; Kinro matches restaurants and similar operations to HNOA carriers beside a BOP.

## Research Scope and Use

Use this comparison to evaluate Corgi and Kinro for Hired and Non-Owned Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi’s HNOA is a Custom Package CGL endorsement that shares the CGL aggregate and uses a $1,000 per-occurrence self-insured retention. Kinro matches businesses such as restaurants, cleaning firms, consultants and retail to an HNOA carrier, often next to a BOP or general liability policy. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto")

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Kinro Insurance?

Kinro helps U.S. small businesses identify insurance needs and shop available coverage through an agency. Buyers can start online, request a policy review, or contact the team for help. [8](https://kinro.com/ "Kinro Business Insurance") [9](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [10](https://kinro.com/contact "Contact Kinro")

[Kinro profile](https://spot.insure/insurance-providers/kinro)

## What Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [14](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Hired and Non-Owned Auto Insurance

### Fixed CGL Endorsement Versus Market Matching

Corgi sells HNOA as an endorsement to its CGL in the Custom Package. Kinro matches the operation to an HNOA carrier and says underwriting can differ by operation and carrier appetite. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto")

### 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. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto")

### 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. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [7](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto")

## What to Confirm in Hired and Non-Owned Auto Insurance Quotes

- Ask Corgi for the declarations sublimit, CGL aggregate sharing and $1,000 retention. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")
- Ask Kinro which carrier’s appetite fit your trade and whether HNOA sits with a BOP or GL. [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto")
- Bring Kinro driver-frequency and MVR information. [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto")
- Confirm rideshare and independent-contractor exclusions on Corgi’s form. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")

## Offering Details

| Criteria | Corgi Hired and Non-Owned Auto (HNOA) | Kinro Hired & Non-Owned Auto (HNOA) |
| --- | --- | --- |
| 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. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: 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. [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto") (Evidence: Company-reported; scope: Hired & Non-Owned Auto page "Routing" and "Market fit" sections..) |
| Issuing Insurer | 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [7](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Not publicly disclosed; scope: HNOA page as read on 2026-09-23, cross-checked against the CGL page's insurer statement..) | Not described in the reviewed sources. |
| 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. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto") (Evidence: Company-reported; scope: 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. [6](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..) | 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. [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto") (Evidence: Company-reported; scope: Hired & Non-Owned Auto page "Coverage" section; actual terms depend on the carrier and policy placed..) |
| Limits and Retentions | 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. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: HNOA coverage table..) | The reviewed page does not publish HNOA limits, deductibles or premiums; amounts would appear on a quote. [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto") (Evidence: Not found in reviewed sources; scope: Hired & Non-Owned Auto page as read on 2026-09-23..) |
| Risk Services | The reviewed HNOA page does not describe driver-safety programs or fleet risk-management services for policyholders. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Not found in reviewed sources; scope: HNOA product page as read on 2026-09-23..) | Not described in the reviewed sources. |
| How to Apply | 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. [11](https://kinro.com/products/hired-non-owned-auto "Hired & Non-Owned Auto") (Evidence: Company-reported; scope: Hired & Non-Owned Auto page "Quote file" and "Reviewed with" sections..) |

## Full Comparison

- [Corgi vs Kinro](https://spot.insure/compare/corgi-vs-kinro): 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.
- [Corgi vs Kinro Business Owner’s Policy](https://spot.insure/compare/corgi-vs-kinro/business-owners-policy)
- [Corgi vs Kinro Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-kinro/commercial-auto)
- [Corgi vs Kinro Cyber Insurance](https://spot.insure/compare/corgi-vs-kinro/cyber)
- [Corgi vs Kinro D&O Insurance](https://spot.insure/compare/corgi-vs-kinro/directors-officers)
- [Corgi vs Kinro General Liability Insurance](https://spot.insure/compare/corgi-vs-kinro/general-liability)
- [Corgi vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-kinro/professional-errors-omissions)
- [Corgi vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-kinro/umbrella-excess)
- [Corgi vs Kinro Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-kinro/workers-compensation)
- [Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto)
- [Amelia Risk vs Kinro Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/hired-non-owned-auto)
- [Beazley vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-corgi/hired-non-owned-auto)
- [Beazley vs Kinro Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-kinro/hired-non-owned-auto)
- [Corgi vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-foundershield/hired-non-owned-auto)
- [Corgi vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-heffernan/hired-non-owned-auto)

## Sources

### Corgi

1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
2. [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.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
6. [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.
7. [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.

### Kinro

8. [Kinro Business Insurance](https://kinro.com/). Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
9. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
10. [Contact Kinro](https://kinro.com/contact). Kinro; Opening policy-support description; direct contact channels and message form. Accessed 2026-09-15.
11. [Hired & Non-Owned Auto](https://kinro.com/products/hired-non-owned-auto). Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23.

### Hired and Non-Owned Auto Insurance Guide

12. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.
13. [Non-Owned Auto Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
14. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). ISO; hosted by National General; I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7. Accessed 2026-09-16.

Updated 2026-09-23. 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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