AIG vs Corgi: Hired and Non-Owned Auto Insurance

AIG lists HNOA as a component of its manufactured-housing program; Corgi adds it to commercial general liability with a $1,000 per-occurrence retention.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

AIG’s HNOA evidence is limited to manufactured housing; Corgi describes a CGL endorsement for employee use of personal or rented vehicles, with a $1,000 retention and shared aggregate.

What Are the Key Differences Between AIG and Corgi Hired and Non-Owned Auto Insurance?

Program coverage versus CGL endorsement

AIG lists HNOA in its Manufactured Housing Program for manufactured-home communities, selected RV parks and dealers. Corgi sells it as an endorsement to CGL, rather than as a standalone policy, for employees using personal or rented vehicles on business. A startup buyer therefore needs to distinguish AIG’s program eligibility from Corgi’s endorsement route and confirm whether its CGL package qualifies. [1] [5] [4]

Limits and underlying policies

Corgi describes HNOA as excess liability after personal-auto or rental-company coverage, excluding physical damage to the vehicle and certain uses such as rideshare. AIG’s listing does not define triggers or exclusions. Ask Corgi how its endorsement applies when primary insurance responds, and obtain the AIG form before assuming the same order of coverage. [5] [1]

Shared aggregate and retention

Corgi states its HNOA sublimit shares the CGL aggregate and shows a $1,000 per-occurrence self-insured retention; the dollar sublimit appears on declarations. AIG publishes no HNOA limit in its directory. Compare the Corgi declarations with the actual AIG quote, including whether auto claims reduce other GL protection. [5] [1]

What Should You Confirm in AIG and Corgi Hired and Non-Owned Auto Insurance Quotes?

  • Which AIG program form defines covered autos and limits, and is HNOA part of your quoted package?
  • What Corgi sublimit appears on declarations, and how does its shared CGL aggregate affect other claims?

Coverage topics

AIG

  • role: AIG’s public directory supports HNOA only as a listed component of its Manufactured Housing Program; it does not establish a broad standalone HNOA policy. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG lists hired and non-owned auto only in its Manufactured Housing Program for manufactured-home communities, certain RV parks/destination resorts, retail manufactured-housing dealers and recreational-unit dealers (excluding RV dealers). This is not general HNOA eligibility. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: AIG lists Hired and Non-Owned Auto as a coverage component of the named Manufactured Housing Program. The directory does not define covered drivers, vehicles, use, limits or exclusions. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG describes Program Administrator support, underwriting, claims and loss-control resources for its programs. The page does not state account-level HNOA claims handling or services beyond those program-wide descriptions. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: No HNOA limit, deductible or covered-auto schedule appears in the directory. Confirm these in the program quote and issued form. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

Corgi

  • role: 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. HNOA product page, form CORG-HNOA-0100.company-reportedSource ↗
  • 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. HNOA page as read on 2026-09-23, cross-checked against the CGL page's insurer statement.not-disclosedSource ↗Source ↗
  • coverage: 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. HNOA coverage table, scenarios and policy notes; illustrative summary, not policy wording.company-reportedSource ↗
  • limits: 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. HNOA coverage table.company-reportedSource ↗
  • eligibility: 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. Homepage package contents as read on 2026-09-23.company-reportedSource ↗
  • services: The reviewed HNOA page does not describe driver-safety programs or fleet risk-management services for policyholders. HNOA product page as read on 2026-09-23.not-foundSource ↗

Source material

  1. 01
    AIG Programs Insurance

    AIG · Official AIG program directory, lines 510–525: Manufactured Housing audience, Hired and Non-Owned Auto coverage listing, and Nationwide program location; lines 242–284 describe program administration and services; policy terms caveat at line 680. · accessed 2026-09-30

  2. 02
    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

  3. 03
    CGL Insurance for Startups

    Corgi Insurance · Scenario note 1: CGL is underwritten by Technology Risk Retention Group, Inc. · accessed 2026-09-23

  4. 04
    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

  5. 05
    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

  6. 06
    Non-Owned Auto Liability Insurance

    Hiscox · What is covered?; Who is covered; What the policy does not cover · accessed 2026-09-16

  7. 07
    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

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