What Is Corgi Insurance?
Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. 1,2,3,4,5
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 8,9
Read the Markel Insurance profile
Read the Markel Insurance Hired and Non-Owned Auto Insurance page
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. 11,12,13
Key Differences in Hired and Non-Owned Auto Insurance
Endorsement Structure and Scope
Corgi sells hired and non-owned auto only as an endorsement to its commercial general liability policy, not as a standalone product. It describes excess liability after personal auto or rental-company insurance for bodily injury and property damage when employees use personal or rented vehicles for business. Markel Insurance lists HNOA among small-business casualty options but does not publish covered-auto definitions. Corgi supplies a more specific arrangement and claims layer in its reviewed record; Markel buyers need the quoted endorsement to see comparable detail. 6 6 10 10
Retention and Aggregate
Corgi shows a $1,000 per-occurrence self-insured retention and says its HNOA sublimit shares the CGL aggregate rather than adding to it; the dollar sublimit appears in declarations. Markel's public listing does not state limits or retentions. Buyers comparing costs should check whether Corgi's shared aggregate leaves enough room for other CGL claims and obtain Markel's applicable schedule. 6 10
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
Corgi and Markel Insurance Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Corgi Review Score
Review Score
No reviews found
The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.[4][8]
Read Corgi reviewsMarkel Insurance Review Score
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsCorgi vs Markel Insurance Hired and Non-Owned Auto Insurance Compared
Corgi vs Markel Insurance: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | Corgi Hired and Non-Owned Auto (HNOA) | Markel hired and non-owned auto exposure |
|---|---|---|
| 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. 6Company-reported. HNOA product page, form CORG-HNOA-0100. | Markel lists hired and non-owned auto among casualty coverage options for small-business risks. 10Company-reported. Coverage option in small-business casualty materials; not a standalone commercial auto product. |
| 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. 6,7Not publicly disclosed. HNOA page as read on 2026-09-23, cross-checked against the CGL page's insurer statement. | Confirm in your quote. |
| 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. 2Company-reported. Homepage package contents as read on 2026-09-23. | The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. 10Company-reported. No general eligibility inference. |
| 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. 6Company-reported. HNOA coverage table, scenarios and policy notes; illustrative summary, not policy wording. | The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. 10Company-reported. Policy-level details remain unestablished. |
| 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. 6Company-reported. HNOA coverage table. | Confirm in your quote. |
| Risk Services | 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. | Confirm in your quote. |
Related Pages for Corgi vs Markel Insurance Hired and Non-Owned Auto
Hired and Non-Owned Auto Pages for Corgi and Markel Insurance
Other Coverage Lines Compared for Corgi vs Markel Insurance
Other Hired and Non-Owned Auto Insurance Provider Comparisons
Sources for Corgi vs Markel Insurance
Sources About Corgi
- Disclaimers & Licensing. 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.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. 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.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- 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.
- HNOA Insurance for Startups. 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.
- CGL Insurance for Startups. Corgi Insurance; Scenario note 1: CGL is underwritten by Technology Risk Retention Group, Inc. Accessed 2026-09-23.
Sources About Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Small Business Casualty and Property Insurance. Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. Accessed 2026-09-29.
Sources for the Hired and Non-Owned Auto Insurance Guide
- Commercial Insurance Guide. 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.
- Non-Owned Auto Liability Insurance. Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
- Business Auto Coverage Form. 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.
