Corporate coverage
Hired & Non-Owned Auto Liability
Auto liability when your independent contractors (ICs) drive their own vehicles.
Corporate hired and non-owned auto (HNO) liability that covers your company when your ICs drive their own vehicles for your business. Company-owned vehicles aren't covered. Offered through Parallax Insurance Services and placed with Corgi Insurance. Subject to underwriting.
What your company gets
Placed with Corgi Insurance.
Underwritten by Technology Risk Retention Group.
$1M liability limit.
Bodily injury and property damage to others.
Hired autos covered.
Vehicles your business rents or borrows.
Non-owned autos covered.
Your ICs' own vehicles, used for your business.
Sits over personal auto.
Responds after the driver's own policy pays.
Low retentions.
Choose $300 to $2,000 per occurrence.
Maximize your HNO limits
Raise your limit from $1M up to $10M per occurrence as your driver base grows.
Standard
$1M per occurrence.
Higher limits
Up to $10M per occurrence.
Retention
From $300 to $2,000.
Why you need it
Your company is the insured.
Protects your company, sitting behind your drivers' own coverage.
Claims are handled for you.
Corgi's in-house team handles covered claims.
It's your company's policy.
Held by the business, separate from the coverage your contractors carry.
How it works
- 1
Apply
Complete the application with your business details. Most quotes return in a few days.
- 2
Sign
Sign the application by DocuSign as soon as you submit, so it's ready when your pricing comes back.
- 3
Bind
Once your pricing is confirmed, pay through the secure payment link your specialist sends and your policy binds. No recurring reporting is needed.
- 4
Claims
Submit the claim to GigSafe. Report right away.
Filing a claim: Have the date, location and any photos ready.
Underwriting criteria
Common questions
When does HNO respond?
After the driver's personal auto policy, or the rental company's policy, pays first.
Who is covered?
Your company, plus its employees, partners and officers. Contractor-driven vehicles are included.
What isn't covered?
Company-owned vehicles, rideshare or livery use, damage to the rental vehicle itself, and injuries to your own employees.
Does this cover our company vehicles?
No. It only applies when your ICs drive their own vehicles for your business.
Is this for my company or my contractors?
Your company. It protects the business and its leadership, on top of any coverage your contractors carry.
Notes
- 1 Underwritten by Technology Risk Retention Group, Inc. or a partner carrier, through Corgi.
- 2 Includes contractor-driven vehicles under GigSafe's HNO program. Responds after the driver's own coverage.
This page is a summary, not a policy. Coverage is subject to underwriting and to the terms, conditions and exclusions of the policy issued.
Ready to get Hired & Non-Owned Auto Liability?
A Parallax specialist reviews every application and follows up with your quote.