Corgi vs The Hartford: How Do They Compare for Hired and Non-Owned Auto Insurance?

Corgi adds HNOA to CGL with exclusions for company-owned vehicles; The Hartford describes hired and non-owned coverage for work use and its limits.

The Hartford publishes HNOA definitions, coverage details and exclusions through an agency or Tivly; Corgi offers it only as a Custom Package CGL endorsement. ^1,⁴

What Are the Key Differences Between Corgi and The Hartford Hired and Non-Owned Auto Insurance?

Published Policy Details Versus Custom Package Restriction

The Hartford defines hired coverage for rented, leased or borrowed vehicles and non-owned coverage for employees’ personal vehicles used for business, and publishes inclusions and exclusions. Corgi offers HNOA only as an endorsement in its Custom Package, where it shares the CGL aggregate and has a $1,000 per-occurrence retention. ⁴ ¹ Choose The Hartford if you want published policy detail through an agency; choose Corgi if you meet its Custom Package eligibility.

Money Terms Each Publishes

Corgi shows a $1,000 per-occurrence self-insured retention and says the sublimit shares the CGL aggregate, with the dollar sublimit on the declarations. The Hartford does not publish standard liability limits; it says non-owned auto cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented. ¹ ⁴

Exclusions and How You Bind

Corgi excludes physical damage, rideshare or livery, company-owned vehicles and independent contractors’ personal vehicles. The Hartford excludes damage to the hired or non-owned vehicle itself, injuries to the business’s own staff, property theft from the vehicle, wear and tear, and personal-use accidents; its reviewed page does not list a rideshare exclusion in those terms. The Hartford does not currently sell HNOA online for small businesses and directs buyers to a local agency or Tivly. Corgi’s HNOA page does not name an issuing insurer for the endorsement. ¹ ² ⁴

What Should You Confirm in Corgi and The Hartford Hired and Non-Owned Auto Insurance Quotes?

Ask Corgi for the declarations sublimit, aggregate sharing and $1,000 retention. ¹
Ask The Hartford or Tivly for hired versus non-owned limits and the listed exclusions. ⁴
Confirm whether rideshare or livery use is excluded on each form. ¹ ⁴
Confirm Hartford HNOA cannot be bound on the small-business website. ⁴

Corgi vs The Hartford Hired and Non-Owned Auto Insurance Compared

Corgi vs The Hartford: Hired and Non-Owned Auto Insurance: documented features by provider

Criteria	Corgi Hired and Non-Owned Auto (HNOA)	The Hartford Hired and Non-Owned Auto Insurance (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.	The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. ⁴Company-reported. HNOA product page as read 2026-09-23.
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.	The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. ⁴Company-reported. HNOA product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. ⁴Company-reported. HNOA product page as read 2026-09-23.