What Are the Key Differences Between Corgi and Kinro Hired and Non-Owned Auto Insurance?
Small-Business Class Matching Versus Custom-Stage Eligibility
Kinro names restaurants, cleaning companies, consultants and retail businesses as HNOA prospects, often pairing the coverage with a BOP or GL. Corgi limits HNOA to an endorsement within its Custom Package, sharing the CGL aggregate and applying a $1,000 per-occurrence retention. [7] [4] Choose Kinro if you run one of its named small-business types; choose Corgi if you qualify for Custom and accept its shared aggregate and retention.
Where Each Product Typically Sits
Corgi’s HNOA shares the CGL aggregate rather than adding a separate limit tower. Kinro describes HNOA as a common companion to a BOP or general liability policy when the business owns no commercial vehicles. Kinro names restaurants, cleaning businesses, consultants and retail; Corgi does not list those trades on the HNOA page. [4] [7]
Published Retention Versus Quote-Only Pricing
Corgi shows a $1,000 per-occurrence self-insured retention, sublimits as “see declarations,” and exclusions for physical damage, rideshare or livery, company-owned vehicles and independent contractors’ cars. Kinro’s reviewed page does not publish limits, deductibles or premiums; amounts would appear on a quote. To quote, Kinro asks who drives and how often, whether staff deliver, make sales visits or rent, and about driver policies and MVRs. Corgi’s HNOA page does not name an issuing insurer. [4] [2] [7]
What Should You Confirm in Corgi and Kinro Hired and Non-Owned Auto Insurance Quotes?
- Ask Corgi for the declarations sublimit, CGL aggregate sharing and $1,000 retention. [4]
- Ask Kinro which carrier’s appetite fit your trade and whether HNOA sits with a BOP or GL. [7]
- Bring Kinro driver-frequency and MVR information. [7]
- Confirm rideshare and independent-contractor exclusions on Corgi’s form. [4]