What Are the Key Differences Between Corgi and The Hartford Hired and Non-Owned Auto Insurance?
Published Policy Details Versus Custom Package Restriction
The Hartford defines hired coverage for rented, leased or borrowed vehicles and non-owned coverage for employees’ personal vehicles used for business, and publishes inclusions and exclusions. Corgi offers HNOA only as an endorsement in its Custom Package, where it shares the CGL aggregate and has a $1,000 per-occurrence retention. [7] [4] Choose The Hartford if you want published policy detail through an agency; choose Corgi if you meet its Custom Package eligibility.
Money Terms Each Publishes
Corgi shows a $1,000 per-occurrence self-insured retention and says the sublimit shares the CGL aggregate, with the dollar sublimit on the declarations. The Hartford does not publish standard liability limits; it says non-owned auto cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented. [4] [7]
Exclusions and How You Bind
Corgi excludes physical damage, rideshare or livery, company-owned vehicles and independent contractors’ personal vehicles. The Hartford excludes damage to the hired or non-owned vehicle itself, injuries to the business’s own staff, property theft from the vehicle, wear and tear, and personal-use accidents; its reviewed page does not list a rideshare exclusion in those terms. The Hartford does not currently sell HNOA online for small businesses and directs buyers to a local agency or Tivly. Corgi’s HNOA page does not name an issuing insurer for the endorsement. [4] [2] [7]
What Should You Confirm in Corgi and The Hartford Hired and Non-Owned Auto Insurance Quotes?
- Ask Corgi for the declarations sublimit, aggregate sharing and $1,000 retention. [4]
- Ask The Hartford or Tivly for hired versus non-owned limits and the listed exclusions. [7]
- Confirm whether rideshare or livery use is excluded on each form. [4] [7]
- Confirm Hartford HNOA cannot be bound on the small-business website. [7]