AIG vs biBERK: Commercial Auto Insurance

biBerk offers an online quote and phone help for cars, food trucks, buses, tow trucks and more, covering only listed vehicles; AIG is limited to for-hire trucking fleets reached through select brokers.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

AIG specifies trucks over 26,000 pounds, 11–250 power units, and driver and tenure criteria. biBerk lists many commercial vehicle types, illustrates liability and medical coverages, and says only scheduled vehicles are covered.

Source material

  1. 01
    Truck Insurance Group

    AIG · Official AIG Truck Insurance Group page: admitted auto liability and physical-damage products; stated heavy-vehicle, fleet-size, driver and operating-experience criteria; select-broker channel, underwriting platform and risk services. · accessed 2026-09-30

  2. 02
    Commercial Auto Insurance From biBerk | Get Coverage Online

    biBerk · Vehicle eligibility, coverage, exclusions and FAQs · accessed 2026-09-28

  3. 03
    Commercial Insurance Guide

    California Department of Insurance · Commercial Automobile: Coverage, Classification and Limits · accessed 2026-09-16

  4. 04
    Business Vehicle Insurance

    Insurance Information Institute · Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy · accessed 2026-09-16

  5. 05
    Business Auto Coverage Form

    Insurance Services Office, Inc.; hosted by National General · I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6 · accessed 2026-09-16

  6. 06
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

What Are the Key Differences Between AIG and biBerk Commercial Auto Insurance?

Heavy Truck Appetite and Vehicle Selection

AIG’s offer is designed for established for-hire trucking firms: trucks above 26,000 pounds, 11–250 power units, mostly Class A/B CDL drivers, and at least four operating years. biBerk lists cars, pickups, vans, trucks, food trucks, buses, motorcycles, tow trucks, and trailers as vehicles to explore. A mixed small-business fleet may start with biBerk’s broader vehicle list; larger trucking firms should test AIG’s exact underwriting criteria. [1] [2]

Scheduled Autos and Coverage Examples

biBerk says only vehicles listed on the policy are covered, with limited temporary-rental and replacement-vehicle exceptions; hired and non-owned autos may be added through a GL/BOP. AIG lists liability and physical-damage products but does not publish a buyer’s schedule or endorsements. Ask both providers to address borrowed, replacement, and newly acquired vehicles in their forms. [1] [2]

What Should You Confirm in AIG and biBerk Commercial Auto Insurance Quotes?

  • Confirm AIG’s truck weight, power-unit, CDL, and experience rules before submitting. [1] [2]
  • Ask biBerk how vehicle changes are reported and whether hired/non-owned coverage is in your quote. [1] [2]
  • Compare liability, physical damage, deductibles, and any temporary-auto provisions. [1] [2]

Coverage topics

AIG

  • role: AIG describes itself as providing admitted automobile liability and physical-damage insurance to a specifically scoped for-hire trucking segment; the page does not identify the insurer subsidiary for a particular quote. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG scopes this commercial-auto offer to small and midsize for-hire trucking companies with heavy vehicles above 26,000 pounds, fleets of 11–250 power units, predominantly Class A/B CDL drivers and at least four years of operating experience. AIG says access is through select brokers. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: AIG lists admitted automobile liability and physical-damage products for the stated for-hire truck segment. It does not publish a buyer’s vehicle schedule, covered causes, territory, or policy endorsements on this page. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG describes a broker-facing appetite platform, trucking risk-control consulting, fleet-safety and DOT-compliance support, and a 24/7 incident-management hotline. These services do not expand policy coverage. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: AIG says liability deductibles may be offered up to $50,000. This is a stated underwriting option, not a standard deductible or limit for a specific policy. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

biBerk

  • eligibility: biBerk lists cars, pickups, vans, trucks, food trucks, buses, motorcycles, tow trucks, trailers and other business vehicles as eligible vehicle types to explore. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business business-use auto. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • coverage: The page describes bodily-injury/property-damage liability, medical-payments/no-fault and uninsured-motorist coverage examples. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: commercial auto liability. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • coverage: biBerk says only vehicles listed on the policy are covered; its page describes limited temporary-rental and replacement-vehicle exceptions, while hired/non-owned vehicles may be added through GL/BOP. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: commercial auto vs HNOA. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; the stated exceptions are page-specific summaries and exact issued terms govern.company-reportedSource ↗
  • application: biBerk provides an online quote path and phone help for commercial auto. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: commercial auto. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗

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