Corgi vs Hub International: Hired and Non-Owned Auto Insurance

Corgi provides excess liability as a CGL add-on; HUB International usually adds HNOA to an existing auto or general-liability policy.

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 HUB International Hired and Non-Owned Auto Insurance?

Physical-Damage Option Versus Package Restriction

HUB attaches HNOA to commercial auto or GL and can add theft or physical-damage options. Corgi offers it only as a CGL endorsement in the Custom Package, where it shares the CGL aggregate and has a $1,000 per-occurrence retention. [7] [6] [4] Choose HUB if you need optional physical-damage cover; choose Corgi if you qualify for its Custom Package and want HNOA attached to CGL.

Physical Damage and Sector Reach

Corgi’s HNOA excludes physical damage to the vehicle. HUB says additional protection can be available for theft or physical damage to non-owned vehicles used for business. HUB also names transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors, including employees or contractors; Corgi excludes independent contractors’ personal vehicles and rideshare or livery use. [4] [7]

Numbers and Tools

Corgi publishes a $1,000 per-occurrence self-insured retention and says the sublimit shares the CGL aggregate, with the dollar sublimit on the declarations. HUB’s reviewed pages do not publish HNOA limits, sublimits or retentions, and they do not name the issuing insurer. HUB recommends fleet-management tools such as automated documentation, real-time insurance data, driver monitoring and usage-based insurance; Corgi’s reviewed HNOA page does not describe driver-safety or fleet programs. [4] [6] [7]

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

  • Ask Corgi for the declarations sublimit, aggregate sharing and $1,000 retention. [4]
  • Ask HUB whether the rider sits on commercial auto or GL and whether physical damage or theft is included. [7]
  • Confirm how each form treats contractors, rideshare and livery. [4] [7]
  • Get the issuing carrier from both; HUB’s reviewed pages leave it unnamed. [6] [4]

HUB can add theft or physical-damage options to HNOA on auto or GL; Corgi limits the coverage to its Custom Package CGL endorsement and $1,000 retention.

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
    Non-Owned Auto Liability Insurance

    Hiscox · What is covered?; Who is covered; What the policy does not cover · accessed 2026-09-16

  6. 06
    Commercial Auto Insurance Broker Policy & Coverage

    HUB International · Coverage types list including hired and non-owned exposures, long and short-haul transportation, uninsured/underinsured motorists; Post-Accident Checklist · accessed 2026-09-23

  7. 07
    Make & Brake: Protect your business financially with hired and non-owned auto insurance

    HUB International · What HNOA covers; who needs it (transportation, hospitality, education, healthcare, nonprofit, gig/shared-economy sectors); coverage structure as a rider or endorsement; technology-driven fleet management recommendations · accessed 2026-09-23

  8. 08
    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 ↗

HUB International

  • role: HUB brokers hired and non-owned auto (HNOA) liability coverage as part of its commercial auto practice, arranging it as an endorsement or rider on a client's commercial auto or general liability policy rather than underwriting it directly. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.company-reportedSource ↗Source ↗
  • eligibility: HUB says HNOA exposure applies to organizations across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. HNOA blog post sector list; not an underwriting appetite statement.company-reportedSource ↗
  • coverage: HUB describes HNOA coverage as protecting a business when it rents or leases a vehicle, and when an employee's personal vehicle is used for work and the personal auto policy excludes or limits business use, leaving the business exposed if a claim exceeds the employee's own limits. HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim.company-reportedSource ↗
  • coverage: HUB says HNOA liability is typically added as a rider or endorsement to an existing commercial auto or general liability policy, with additional protection available for theft or physical damage to non-owned vehicles used for business. HNOA blog post coverage-structure section.company-reportedSource ↗
  • services: HUB says it recommends technology-driven fleet management tools for HNOA programs, including automated documentation, real-time insurance-data access, driver monitoring and usage-based insurance, to help clients manage compliance and cost. HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product.company-reportedSource ↗
  • insurer: Neither the commercial auto product page nor the HNOA blog post names the insurer that issues an HNOA endorsement; the carrier depends on the underlying commercial auto or general liability placement. Checked both pages on 2026-09-23.not-foundSource ↗Source ↗
  • limits: Published HNOA limits, sublimits or retentions were not found on the reviewed pages. Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations.not-disclosedSource ↗Source ↗

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