Corgi vs The Hartford Hired and Non-Owned Auto Insurance

Corgi attaches HNOA to CGL with a $1,000 SIR; The Hartford underwrites a two-part HNOA product sold through agencies or Tivly.

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,^2,^3,^4,⁵

Read the Corgi profile

What Is The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. ^8,^9,¹⁰

Read the The Hartford profile

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,^13,¹⁴

Read the full coverage guide

Key Differences in Hired and Non-Owned Auto Insurance

CGL Rider Versus Hartford Commercial Auto

Corgi’s HNOA extends CGL as an endorsement in the Custom Package. The Hartford describes HNOA as commercial auto coverage with hired and non-owned parts, layered on the employee’s personal auto policy. ⁶ ¹¹

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. ⁶ ¹¹

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. ⁶ ⁷ ¹¹

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

Ask Corgi for the declarations sublimit, aggregate sharing and $1,000 retention. ⁶
Ask The Hartford or Tivly for hired versus non-owned limits and the listed exclusions. ¹¹
Confirm whether rideshare or livery use is excluded on each form. ⁶ ¹¹
Confirm Hartford HNOA cannot be bound on the small-business website. ¹¹

Offering Details

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)
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.	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. ¹¹Company-reported. HNOA product page as read 2026-09-23.
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.	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. ²Company-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. ¹¹Company-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. ⁶Company-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. ¹¹Company-reported. HNOA product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	The Hartford says non-owned auto coverage cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented for business; the page does not publish standard liability limits. ¹¹Not publicly disclosed. HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit.
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.	Not described in the reviewed sources.
How to Apply	Not described in the reviewed sources.	Like standard commercial auto, HNOA is not currently sold online for small businesses; The Hartford directs buyers to a local agency or its partner Tivly for a quote. ¹¹Company-reported. HNOA product page as read 2026-09-23.

Full Comparison

More Corgi vs The Hartford Comparisons

Other Hired and Non-Owned Auto Insurance Comparisons

Sources

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.

The Hartford

Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
Hired and Non-Owned Vehicle Insurance | HNOA. The Hartford; What Is Hired and Non-Owned Auto Insurance?; What Are Considered Non-Owned Vehicles?; What Is Considered a Hired Auto?; What Does Hired and Non-Owned Vehicle Insurance Cover?; What Is Not Covered; Do You Need Hired and Non-Owned Auto Coverage?; What Does Non-Owned Auto Coverage Cost? Accessed 2026-09-23.

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.