What Are the Key Differences Between Corgi and Markel Insurance Hired and Non-Owned Auto Insurance?
Endorsement Structure and Scope
Corgi sells hired and non-owned auto only as an endorsement to its commercial general liability policy, not as a standalone product. It describes excess liability after personal auto or rental-company insurance for bodily injury and property damage when employees use personal or rented vehicles for business. Markel Insurance lists HNOA among small-business casualty options but does not publish covered-auto definitions. Corgi supplies a more specific arrangement and claims layer in its reviewed record; Markel buyers need the quoted endorsement to see comparable detail. [4] [4] [7] [7]
Retention and Aggregate
Corgi shows a $1,000 per-occurrence self-insured retention and says its HNOA sublimit shares the CGL aggregate rather than adding to it; the dollar sublimit appears in declarations. Markel's public listing does not state limits or retentions. Buyers comparing costs should check whether Corgi's shared aggregate leaves enough room for other CGL claims and obtain Markel's applicable schedule. [4] [7]