Corgi vs Foundershield: Hired and Non-Owned Auto Insurance

Corgi adds excess HNOA liability to its CGL policy; Founder Shield brokers a separate liability policy through third-party carriers for mobile businesses.

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

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

Custom Package Endorsement Versus Brokered Liability-Only Cover

Corgi sells hired and non-owned auto as an endorsement to its CGL, not as its own policy, and only inside the Custom Package—not Pre-Seed & Seed, Series A, or Growth Stage. Founder Shield is a retail brokerage that places a liability-only HNOA product with third-party carriers rather than issuing the policy itself. Choose Corgi if you already fit Custom Package and want HNOA sitting on that CGL; choose Founder Shield if you need a brokered liability-only placement for mobile staff, rentals, or volunteers. [4] [3] [5] [6]

Published Retention Versus Quote-Set Limits

Corgi lists non-owned and hired auto sublimits as "see declarations," says the sublimit shares the CGL aggregate instead of adding a separate tower, and shows a $1,000 per-occurrence self-insured retention. Founder Shield's reviewed HNOA pages do not publish overall limits or retentions; those figures are set on the quote. Corgi's HNOA page also does not name an issuing insurer, while Founder Shield says it places only with carriers rated A- or better by AM Best, matched by industry appetite. [4] [6] [7]

Who Is Covered and What Stays Out

Both describe liability after personal auto denies or limits a business-use claim, and both keep physical damage to the hired or non-owned vehicle outside that liability grant. Corgi also excludes rideshare or livery use, company-owned vehicles, and independent contractors' personal vehicles. Founder Shield additionally excludes injuries to the employee driver, pointing those to workers' compensation, and markets the product to salespeople, delivery drivers, rental users, volunteer organizations, and small businesses without a fleet. Neither reviewed HNOA page describes a driver-safety or fleet-risk program. [4] [6]

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

  • Ask Corgi for the declarations sublimit, whether it shares the CGL aggregate, and the $1,000 retention. [4]
  • Ask Founder Shield which A- or better carrier will issue the policy. [7]
  • Confirm rideshare, livery, and independent-contractor exclusions on Corgi's endorsement. [4]
  • Ask Founder Shield whether volunteer drivers are included if that is your exposure. [6]

Coverage topics

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 ↗

Founder Shield

  • role: Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Hired and Non-Owned Auto Insurance with third-party carriers rather than underwriting the policy itself. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.company-reportedSource ↗
  • eligibility: Founder Shield markets HNOA to businesses with mobile employees such as salespeople or delivery drivers, companies that rent vehicles, organizations that rely on volunteers, and small businesses without a company fleet. HNOA product page.company-reportedSource ↗
  • coverage: Founder Shield says HNOA is a liability-only policy covering third-party bodily injury, third-party property damage and legal defense costs when an employee uses a personal or rented vehicle for business and their personal auto policy denies or limits the claim. Product page; the issued policy and declarations control actual coverage.company-reportedSource ↗
  • coverage: Founder Shield notes HNOA does not cover physical damage to the hired or non-owned vehicle itself, accidents involving company-owned vehicles, or injuries to the employee driving (covered instead by workers' compensation). HNOA product page.company-reportedSource ↗
  • insurer: Founder Shield says it places policies, including Founder Shield Hired and Non-Owned Auto Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. General carrier-selection FAQ, not specific to this line's placements.company-reportedSource ↗
  • application: You request Founder Shield Hired and Non-Owned Auto Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.company-reportedSource ↗Source ↗

Corgi attaches hired and non-owned auto only to Custom Package CGL, sharing that aggregate with a $1,000 retention. Founder Shield brokers a liability-only policy for mobile employees, rentals, and volunteers through A- or better carriers.

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
    CGL Insurance for Startups

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

  3. 03
    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

  4. 04
    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

  5. 05
    About Us

    Founder Shield · “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission · accessed 2026-09-23

  6. 06
    Hired and Non-Owned Auto Insurance

    Founder Shield · What Is Hired and Non-Owned Auto Insurance?; Who Needs Hired and Non-Owned Auto Insurance Coverage?; What Does Hired and Non-Owned Auto Insurance Cover? · accessed 2026-09-23

  7. 07
    How Do You Decide Which Carriers to Approach?

    Founder Shield · FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite · 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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