CNA vs Corgi: Hired and Non-Owned Auto Insurance

CNA describes business-use liability for personal or rental cars; Corgi adds HNOA to CGL as excess cover, with a $1,000 per-occurrence retention.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-10-01

CNA describes commercial auto liability for business-use hired and non-owned vehicles and requests personal-auto limits and loss history. Corgi sells HNOA as a CGL endorsement, excess over personal or rental coverage, with a $1,000 retention and shared CGL aggregate.

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

Policy Structure and Layer of Coverage

CNA describes HNOA liability in its commercial auto offering for bodily injury and property damage caused by hired or non-owned vehicles used for business. Corgi attaches HNOA as an endorsement to CGL and describes it as excess over an employee’s personal auto or a rental company’s policy. Corgi lists a $1,000 per-occurrence self-insured retention, with its sublimit shown on declarations and sharing the CGL aggregate. Buyers should check how the underlying policy and this layer interact. [2] [7]

Covered Use and Underwriting Questions

CNA defines hired vehicles as business rentals and non-owned vehicles as employees’ personal cars used for work; its application asks personal-auto limits, rental history, prior HNOA, and five years of losses. Corgi describes bodily injury and property damage but excludes physical damage to vehicles, rideshare, company-owned autos, and independent contractors’ cars. These exclusions make driver and vehicle status material at quote time. [4] [3] [7]

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

  • Ask Corgi for declarations showing the HNOA sublimit and its relationship to the CGL aggregate. [7]
  • Ask CNA which personal-auto and rental exposures its quote includes. [3]

Coverage topics

CNA

  • coverage: CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions.company-reportedSource ↗
  • eligibility: CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. The guide explains the exposure and is not itself policy language or an eligibility rule.company-reportedSource ↗
  • application: A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today.company-reportedSource ↗
  • services: CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. These are commercial-auto program services, not proof of a particular account’s enrollment or outcome.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 ↗

Source material

  1. 01
    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

  2. 02
    Commercial Auto Insurance for Businesses

    CNA · Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30. · accessed 2026-09-30

  3. 03
    Hired / Non-Owned Auto Supplemental Application

    CNA · PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30. · accessed 2026-09-30

  4. 04
    Hired and Non-Owned Auto Exposures

    CNA · Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30. · accessed 2026-09-30

  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

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