What Are the Key Differences Between Beazley and Corgi Hired and Non-Owned Auto Insurance?
Package Eligibility and Shared Limits
Beazley includes hired and non-owned auto only as an added coverage in BeazleyOne Environmental for environmental businesses. Corgi offers it only as a CGL endorsement in its Custom Package; it shares the CGL aggregate and has a $1,000 per-occurrence retention. [1] [5] Choose Beazley if you are buying BeazleyOne Environmental; choose Corgi if your company qualifies for the Custom Package and accepts the shared CGL aggregate and retention.
Who Can Buy It
Beazley’s HNOA availability follows engineering, consulting, project management, and contracting or remediation firms that provide environmental services. Corgi does not limit the endorsement to environmental contractors; it sits beside CGL and other Custom Package lines. If you are not an environmental-services firm, Beazley’s reviewed page does not present a path to this coverage. [1] [5]
What a Quote Can Show Today
Corgi tells you the endorsement is excess after personal auto or a rental policy, that the sublimit shares the CGL aggregate, and that there is a $1,000 per-occurrence self-insured retention, with the dollar sublimit on the declarations. Beazley’s page lists hired and non-owned auto as included but does not describe the insuring agreement, covered vehicles, exclusions, limits or deductibles. You would have to get those terms from the BeazleyOne Environmental quote itself. [5] [1]
Neither HNOA page names the issuing insurer. Corgi’s CGL page names Technology Risk Retention Group for CGL without confirming the same entity for the endorsement. Beazley uses one environmental-package application rather than a separate HNOA form. [3] [5] [1]
What Should You Confirm in Beazley and Corgi Hired and Non-Owned Auto Insurance Quotes?
- Ask Beazley for the HNOA wording inside the environmental package, including whose vehicles are covered. [1]
- Ask Corgi for the declarations sublimit, the $1,000 retention, and whether the sublimit shares the CGL aggregate. [5]
- Confirm whether rideshare, livery or independent contractors are excluded on Corgi’s form. [5]
- Get the issuing insurer from both; neither HNOA page names one. [1] [5]