--- title: "Corgi Hired and Non-Owned Auto Insurance" description: "What Corgi Hired and Non-Owned Auto Insurance covers, who it’s for, and its limits and retentions, cited to Corgi Insurance’s own published sources." canonical: "https://spot.insure/insurance-providers/corgi/hired-non-owned-auto" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/corgi/hired-non-owned-auto) # 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. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [2](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Scope: HNOA 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. [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.) ## 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.) ## 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. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Scope: HNOA product page as read on 2026-09-23.) ## Corgi Hired and Non-Owned Auto Insurance Compared - [Corgi vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto) - [Corgi vs Beazley](https://spot.insure/compare/beazley-vs-corgi/hired-non-owned-auto) - [Corgi vs Founder Shield](https://spot.insure/compare/corgi-vs-foundershield/hired-non-owned-auto) - [Corgi vs Heffernan Insurance Brokers](https://spot.insure/compare/corgi-vs-heffernan/hired-non-owned-auto) - [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto) - [Corgi vs Kinro](https://spot.insure/compare/corgi-vs-kinro/hired-non-owned-auto) ## Other Corgi Coverage Lines - [Corgi Crime Insurance](https://spot.insure/insurance-providers/corgi/crime) - [Corgi Cyber Insurance](https://spot.insure/insurance-providers/corgi/cyber) - [Corgi D&O Insurance](https://spot.insure/insurance-providers/corgi/directors-officers) - [Corgi Employment Practices Liability Insurance](https://spot.insure/insurance-providers/corgi/employment-practices) - [Corgi Fiduciary Liability Insurance](https://spot.insure/insurance-providers/corgi/fiduciary) - [Corgi General Liability Insurance](https://spot.insure/insurance-providers/corgi/general-liability) - [Corgi Liquor Liability Insurance](https://spot.insure/insurance-providers/corgi/liquor-liability) - [Corgi Media Liability Insurance](https://spot.insure/insurance-providers/corgi/media) - [Corgi Medical Malpractice Insurance](https://spot.insure/insurance-providers/corgi/medical-malpractice) - [Corgi Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/corgi/professional-errors-omissions) - [Corgi Representations and Warranties Insurance](https://spot.insure/insurance-providers/corgi/representations-warranties) - [Corgi Tech E&O Insurance](https://spot.insure/insurance-providers/corgi/technology-errors-omissions) - [Corgi Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/corgi/umbrella-excess) ## Related - [Corgi Profile](https://spot.insure/insurance-providers/corgi) - [Corgi Reliability](https://spot.insure/insurance-providers/corgi/reliability) - [Corgi Alternatives](https://spot.insure/insurance-providers/corgi/alternatives) - [Coverage Guide: Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) ## Sources 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/corgi/hired-non-owned-auto.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)