Amelia Risk vs Corgi: Hired and Non-Owned Auto Insurance

Amelia Risk arranges HNOA for employees' personal or rental cars; Corgi adds excess liability to its CGL policy and excludes physical damage to the vehicle.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-29

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

Custom Package Endorsement Versus GL or Monoline Placement

Corgi sells hired and non-owned auto only as a CGL endorsement inside Custom Package, not Pre-Seed & Seed, Series A, or Growth Stage, and the sublimit shares the CGL aggregate with a $1,000 per-occurrence retention. Amelia Risk can put the same line on general liability or place a monoline policy when a GL attachment will not work. Choose Corgi if you already fit Custom Package and want the endorsement on that CGL; choose Amelia Risk if you need standalone hired and non-owned auto or sit outside Corgi's Custom stage. [7] [6] [1]

Excess Pay-Out and the Figures Each Page Publishes

Both describe this coverage as paying after other auto insurance. Amelia Risk says a personal auto policy will not defend the company if it is named in a claim, and that non-owned auto can drop down excess after personal limits run out. Corgi says the endorsement is excess over an employee's personal auto or a rental company's policy for bodily injury and property damage, with sublimits shown as see-declarations rather than a published dollar figure, sharing the CGL aggregate rather than adding a tower, and a $1,000 per-occurrence self-insured retention. Amelia Risk's reviewed pages do not publish a dollar retention. [2] [7]

What Each Keeps Outside the Grant

Corgi excludes physical damage to the vehicle, rideshare or livery use, company-owned vehicles, and independent contractors' personal vehicles. Amelia Risk's reviewed pages do not list those rideshare, livery, or independent-contractor exclusions; they describe hired auto as liability for business rentals and say hired auto can let you decline the rental company's own coverage at the counter. [7] [1] [2]

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

  • Ask Corgi whether hired and non-owned auto is on the Custom Package quote, what the declarations sublimit is, and whether it shares the CGL aggregate. [7]
  • Ask Amelia Risk whether the placement is a general-liability endorsement or monoline, and which carrier issues it. [1]
  • Confirm the self-insured retention: Corgi publishes $1,000 per occurrence; Amelia Risk does not publish one. [7] [1]
  • Ask Corgi whether rideshare, livery, or independent contractors are excluded on your form, and ask Amelia Risk whether hired auto on the quote supports declining rental-counter coverage. [7] [2]

Corgi attaches hired and non-owned auto only to Custom Package CGL, sharing that aggregate with a $1,000 retention. Amelia Risk can add it to general liability or place a standalone policy.

Source material

  1. 01
    General Liability

    Amelia Risk Insurance Brokers · Hired & non-owned auto liability paragraph: liability coverage for rental vehicles and employees' business use of personal vehicles; standalone/monoline availability note · accessed 2026-09-23

  2. 02
    Insurance for CPG Companies

    Amelia Risk Insurance Brokers · FAQ 5, "We don't have any cars - why do I need auto insurance?": hired auto liability, non-owned auto liability, personal auto policy interaction, excess drop-down explanation · accessed 2026-09-23

  3. 03
    Our Specialties

    Amelia Risk Insurance Brokers · OUR PROCESS: understand your business, explain insurance, read the policies we offer, negotiate coverage and pricing, advocate during claims; four numbered steps ending in the client deciding how to proceed · accessed 2026-09-23

  4. 04
    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

  5. 05
    CGL Insurance for Startups

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

  6. 06
    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

  7. 07
    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

  8. 08
    Non-Owned Auto Liability Insurance

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

  9. 09
    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

Coverage topics

Amelia Risk

  • role: Amelia Risk arranges hired and non-owned auto (HNOA) liability as a brokerage, either bundled onto a general liability policy or, when that isn't feasible, placed as a standalone (monoline) policy. General Liability page's HNOA paragraph, which the firm calls something it "loves to see" attached to a general liability policy. Does not name the issuing insurer for either arrangement.company-reportedSource ↗
  • coverage: Amelia Risk describes HNOA as liability coverage for rental vehicles used on company business and for employees' use of their own personal vehicles for company business, distinct from owning company vehicles outright. General Liability page's HNOA description; a general explanation of the coverage's purpose, not a specimen policy form.company-reportedSource ↗
  • eligibility: Amelia Risk tells clients they need HNOA even if the company owns no vehicles at all, because employees driving personal cars on company business, or the company renting cars, can create liability for the company. CPG page FAQ 5, framed for consumer-packaged-goods clients but describing the general rationale for the coverage.company-reportedSource ↗
  • coverage: Amelia Risk explains that if an employee causes an accident in a personal vehicle while the company is named in a claim, the employee's personal auto policy will not defend the company; HNOA is the policy that responds in that situation. CPG page FAQ 5's explanation of the coverage gap; describes the coverage's purpose rather than a specific policy's wording.company-reportedSource ↗
  • coverage: Amelia Risk says that if an employee's personal auto policy does respond to a claim but its limits are exhausted, the client's non-owned auto liability coverage drops down and sits excess over the personal policy. CPG page FAQ 5; a general description of how the coverage layers with an employee's personal auto insurance.company-reportedSource ↗
  • coverage: Amelia Risk says hired auto liability lets a client decline the rental company's own damage/liability coverage at the rental counter, because the client's HNOA policy already covers business-related rentals. CPG page FAQ 5's hired-auto explanation.company-reportedSource ↗
  • application: Amelia Risk's stated process for arranging coverage, including HNOA, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. Specialties page's four numbered steps; describes the firm's general placement workflow, not an HNOA-specific application form.company-reportedSource ↗

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 ↗

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