--- title: "Corgi Hired and Non-Owned Auto Insurance" description: "Everything to know before buying Corgi Hired and Non-Owned Auto Insurance: what it covers, who it’s for, and its limits and retentions." canonical: "https://thegeneralaverage.com/insurance-providers/corgi/hired-non-owned-auto" page-type: "offering-page" updated-at: "2026-09-23" provider: "corgi" coverage-line: "hired-non-owned-auto" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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://thegeneralaverage.com/insurance-providers/corgi/hired-non-owned-auto) ## Agent Guide **What this page is:** What Corgi Hired and Non-Owned Auto Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Corgi Hired and Non-Owned Auto Insurance specifically. For the general coverage explainer use /coverage/hired-non-owned-auto; for the provider overall use its profile. **Questions this page answers:** - Does Corgi Hired and Non-Owned Auto Insurance offer this coverage? - What does Corgi Hired and Non-Owned Auto Insurance cover and exclude? - Who is Corgi Hired and Non-Owned Auto Insurance designed for? **Key facts:** - Provider slug `corgi`; coverage line `hired-non-owned-auto`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/corgi) — parent: provider profile # What Does Hired and Non-Owned Auto Insurance from Corgi Cover? Product: Corgi Hired and Non-Owned Auto (HNOA). Provider: Corgi. Coverage line: Hired and Non-Owned Auto Insurance. ## Quick Answer Corgi sells hired and non-owned auto coverage as an endorsement to its general liability policy, for employees driving personal or rented vehicles on company business. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") ## Corgi Hired and Non-Owned Auto Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Not publicly disclosed | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Company-reported | 1 | | Risk Services | Not found in reviewed sources | 1 | ## What Is Corgi’s Role in Hired and Non-Owned Auto Insurance? - 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.) ## Who Is Corgi Hired and Non-Owned Auto Insurance 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 of Corgi Hired and Non-Owned Auto Insurance - 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.) ## Corgi Hired and Non-Owned Auto Insurance 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.) ## What We Couldn’t Find About Corgi Hired and Non-Owned Auto Insurance The reviewed sources do not settle these. Confirm them with Corgi or a broker before relying on them. - **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.) - **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 vs Other Hired and Non-Owned Auto Insurance Providers - [Corgi vs AIG](https://thegeneralaverage.com/compare/aig-vs-corgi) - [Corgi vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-corgi) - [Corgi vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-corgi) - [Corgi vs CNA](https://thegeneralaverage.com/compare/cna-vs-corgi) - [Corgi vs Founder Shield](https://thegeneralaverage.com/compare/corgi-vs-foundershield) - [Corgi vs Foxquilt](https://thegeneralaverage.com/compare/corgi-vs-foxquilt) ## Other Coverage Lines From Corgi - [Corgi Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/corgi/business-owners-policy) - [Corgi Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/corgi/cargo-transit) - [Corgi Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/corgi/commercial-auto) - [Corgi Crime Insurance](https://thegeneralaverage.com/insurance-providers/corgi/crime) - [Corgi Cyber Insurance](https://thegeneralaverage.com/insurance-providers/corgi/cyber) - [Corgi D&O Insurance](https://thegeneralaverage.com/insurance-providers/corgi/directors-officers) - [Corgi Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/corgi/employment-practices) - [Corgi Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/corgi/fiduciary) - [Corgi General Liability Insurance](https://thegeneralaverage.com/insurance-providers/corgi/general-liability) - [Corgi Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/corgi/kidnap-ransom) - [Corgi Liquor Liability Insurance](https://thegeneralaverage.com/insurance-providers/corgi/liquor-liability) - [Corgi Media Liability Insurance](https://thegeneralaverage.com/insurance-providers/corgi/media) - [Corgi Medical Malpractice Insurance](https://thegeneralaverage.com/insurance-providers/corgi/medical-malpractice) - [Corgi Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/corgi/professional-errors-omissions) - [Corgi Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/corgi/representations-warranties) - [Corgi Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/corgi/technology-errors-omissions) - [Corgi Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/corgi/umbrella-excess) - [Corgi Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/corgi/workers-compensation) ## Related Reading - [Corgi Profile](https://thegeneralaverage.com/insurance-providers/corgi) - [Corgi Reliability](https://thegeneralaverage.com/insurance-providers/corgi/reliability) - [Corgi Alternatives](https://thegeneralaverage.com/insurance-providers/corgi/alternatives) - [Coverage Guide: Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto) ## Sources for Corgi Hired and Non-Owned Auto Insurance 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. ## How to Cite This Page Corgi Hired and Non-Owned Auto Insurance: Coverage, Eligibility & Limits (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/corgi/hired-non-owned-auto. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/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://thegeneralaverage.com/llms.txt)