Corgi vs Foxquilt: Hired and Non-Owned Auto Insurance

Corgi spells out HNOA exclusions and a $1,000 retention; Foxquilt lists the feature under Commercial Auto but does not state its limits or triggers.

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

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 ↗

Foxquilt

  • role: Foxquilt lists Hired & non-owned beneath its Commercial Auto card; the source does not establish a separate HNOA policy. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The source identifies hired and non-owned vehicles as a feature of its Commercial Auto marketing; it does not establish the feature’s definitions, triggers or limits. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: Foxquilt directs buyers to the Commercial Auto product page for a quote; no separate HNOA quote or application path is documented. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

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

Excess Liability and Sublimits

Corgi describes HNOA as excess coverage after an employee’s personal auto policy or a rental company policy, covering bodily injury and property damage but not vehicle damage itself. Its page says limits are shown in declarations, the sublimit shares the CGL aggregate, and a $1,000 per-occurrence retention applies. Foxquilt lists HNOA under Commercial Auto without published triggers or limits, so ask for the comparable schedule before comparing the protection. [4] [5]

Standalone Feature or CGL Endorsement

Corgi sells this coverage as a CGL endorsement, not as a standalone product, and excludes company-owned autos, rideshare use and independent contractors’ personal vehicles. Foxquilt’s page points buyers to Commercial Auto but does not establish whether the HNOA feature is an endorsement or how it treats those uses. If contractors or delivery work are involved, ask each provider for written treatment of those drivers and vehicle uses. [4] [5]

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

  • Ask Corgi for the declarations showing HNOA’s sublimit, shared aggregate and retention, and confirm whether any drivers are excluded. [4] [5]

  • Ask Foxquilt for its HNOA form and confirm whether rented vehicles, employee-owned autos, contractors and physical vehicle damage are treated as Corgi describes. [4] [5]

Corgi describes HNOA as excess bodily-injury and property-damage liability with a $1,000 retention and shared CGL aggregate; Foxquilt’s listing does not give terms.

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
    Other Coverages

    Foxquilt · Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70. · accessed 2026-09-29

  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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