Corgi Hired and Non-Owned Auto Insurance
Corgi Hired and Non-Owned Auto (HNOA)
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.
Issuing Insurer
Not publicly disclosed. 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. 1,2HNOA page as read on 2026-09-23, cross-checked against the CGL page's insurer statement.
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.
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.
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. 1Company-reported. HNOA coverage table.
Risk Services
Not found in reviewed sources. The reviewed HNOA page does not describe driver-safety programs or fleet risk-management services for policyholders. 1HNOA product page as read on 2026-09-23.
Corgi Hired and Non-Owned Auto Insurance Compared
Other Corgi Coverage Lines
Sources
- 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.
- 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.
