Corgi vs Heffernan: Hired and Non-Owned Auto Insurance

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

Caregiver Auto Program Versus Startup Package Eligibility

Heffernan includes hired and non-owned auto liability in its home-care, home-health and hospice program for caregivers visiting clients. Corgi offers HNOA only as an endorsement in its Custom Package, shares the CGL aggregate and applies a $1,000 per-occurrence retention. [5] [4] Choose Heffernan if you need HNOA within a caregiver insurance program; choose Corgi if your startup qualifies for Custom and accepts the shared aggregate and retention.

Who Each Page Speaks To

Corgi does not confine HNOA to a healthcare vertical; it is an add-on beside CGL and other Custom Package lines. Heffernan markets the bundled auto coverage to home health, in-home care, hospice, staffing-agency, infusion-therapy and home-health-aide businesses in all states and agency sizes. [4] [5]

Terms Each Publishes

Corgi describes excess coverage after personal auto or a rental policy, a “see declarations” sublimit that shares the CGL aggregate, a $1,000 per-occurrence self-insured retention, and exclusions for physical damage, rideshare or livery, company-owned vehicles and independent contractors’ cars. Heffernan lists Non-owned and Hired Auto separately from Business/Owned Auto for caregiver trips, does not publish limits or deductibles, asks agencies to apply at least 30 days before serving clients, and pairs specialists with CAHSAH and the Home Care Association of America. Corgi’s HNOA page does not name an issuing insurer. [4] [2] [5]

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

Ask Corgi for the declarations sublimit, aggregate sharing and $1,000 retention. [4]
Ask Heffernan whether non-owned and hired auto is on the home care package and how it differs from owned auto. [5]
Confirm Heffernan’s 30-day lead time if you are opening a care agency. [5]
Get issuing insurers from both quotes. [4] [5]

Heffernan includes HNOA in its home-care and hospice program for caregiver visits; Corgi offers it only as a Custom Package CGL endorsement with a $1,000 retention.

Source material

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
02
CGL Insurance for Startups
Corgi Insurance · Scenario note 1: CGL is underwritten by Technology Risk Retention Group, Inc. · accessed 2026-09-23
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
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
05
Home Care Business Insurance
Heffernan Insurance Brokers · We offer comprehensive coverage for: Workers' Compensation Insurance, General and Professional Liability, Employment Practice Liability, Business/Owned Auto, Non-owned and Hired Auto, Sexual Abuse, Crime, Employee Dishonesty Bond, Cyber & Identity Theft, Medical Billing E&O, Property Coverage and more; covering all states and agency sizes · accessed 2026-09-23
06
Non-Owned Auto Liability Insurance
Hiscox · What is covered?; Who is covered; What the policy does not cover · accessed 2026-09-16
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

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 ↗

Heffernan Insurance Brokers

role: Heffernan places hired and non-owned auto liability as part of its home care, home health, and hospice insurance program, alongside owned-auto and other package coverages, rather than underwriting the coverage itself. Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line.company-reportedSource ↗
eligibility: Heffernan markets this bundled auto coverage to home health, in-home care, hospice, staffing-agency, infusion-therapy, and home-health-aide businesses, and says its home care programs cover all states and agency sizes. Home Care Business Insurance page as read on 2026-09-23; 'all states' is a company marketing statement, not a state-by-state availability table.company-reportedSource ↗
coverage: The home care package lists Non-owned and Hired Auto alongside Business/Owned Auto, so caregivers driving personal or rented vehicles for client visits are covered under a separate insuring agreement from the agency's own fleet. Home Care Business Insurance page as read on 2026-09-23; the page does not detail limits, exclusions, or whether hired/non-owned auto is sold on a stand-alone basis outside the home care package.company-reportedSource ↗
limits: The reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. Home Care Business Insurance page as read on 2026-09-23.not-disclosedSource ↗
application: Heffernan tells home care businesses to start the insurance application process at least 30 days before working with clients and to contact the firm for a free rate quote, since rates vary by state. Home Care Business Insurance page as read on 2026-09-23; applies to the home care package generally, not solely to auto coverage.company-reportedSource ↗
services: Heffernan says its home care insurance specialists walk clients through coverage and premium questions, including how to minimize costs and risks, and that it partners with CAHSAH and the Home Care Association of America. Home Care Business Insurance page as read on 2026-09-23; described for the home care program generally, not exclusively for the auto coverage.company-reportedSource ↗