---
title: "Corgi vs The Hartford: Hired and Non-Owned Auto Insurance"
description: "The Hartford publishes HNOA definitions, coverage details and exclusions through an agency or Tivly; Corgi offers it only as a Custom Package CGL endorsement."
canonical: "https://spot.insure/compare/corgi-vs-the-hartford/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-the-hartford"
provider-a: "corgi"
provider-b: "the-hartford"
coverage-line: "hired-non-owned-auto"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-the-hartford/hired-non-owned-auto)

## Agent Guide

**What this page is:** Focused comparison of Corgi and The Hartford for Hired and Non-Owned Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Hired and Non-Owned Auto Insurance questions about Corgi versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs The Hartford for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, Corgi or The Hartford?
- What does Corgi or The Hartford publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: Corgi and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford) — all coverage lines for this pair
- [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 explains its two-part HNOA coverage and exclusions; Corgi limits HNOA to its Custom Package CGL endorsement.

## Corgi vs The Hartford Hired and Non-Owned Auto Insurance Summary

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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [4](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

## 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](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [4](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

### 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [2](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [4](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

## 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")
- Ask The Hartford or Tivly for hired versus non-owned limits and the listed exclusions. [4](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")
- Confirm whether rideshare or livery use is excluded on each form. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [4](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")
- Confirm Hartford HNOA cannot be bound on the small-business website. [4](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

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

| 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. [3](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [4](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [4](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: 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. [4](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) |

## About Corgi and The Hartford and Hired and Non-Owned Auto Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto)

## Related Pages for Corgi vs The Hartford Hired and Non-Owned Auto

- [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford): 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, but it does not cover damage to those vehicles.
- [Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/corgi/hired-non-owned-auto)
- [The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/the-hartford/hired-non-owned-auto)

## Sources for Corgi vs The Hartford Hired and Non-Owned Auto Insurance

### Sources About Corgi

1. [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.
2. [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.
3. [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.

### Sources About The Hartford

4. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). 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.

Updated 2026-09-29. 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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