AIG vs CNA: Commercial Auto Insurance

CNA covers owned, hired and non-owned vehicles for business use, with an optional executive Drive Other Car endorsement; AIG restricts its offer to for-hire trucking with fleets of 11 to 250 power units.

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

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

For-Hire Heavy Trucks and Broader Vehicle Use

AIG’s described appetite is for for-hire trucking fleets with vehicles above 26,000 pounds, 11–250 power units, mostly Class A/B CDL drivers, and four or more years in business. CNA says its commercial-auto liability covers owned, hired, and non-owned vehicles used for business. Firms with employees using rentals or personal cars should ask CNA how those exposures are scheduled and whether the vehicle profile fits AIG’s narrower trucking program. [1] [3]

Coverage Extensions and Fleet Support

AIG offers trucking risk-control consulting, fleet-safety and DOT-compliance help, and a 24/7 incident-management hotline. CNA lists physical damage and an optional Drive Other Car endorsement for executives, along with driver-distraction and cargo-securement programs. Compare those account services and endorsements against your drivers’ actual work rather than treating program names as equivalent. [1] [3]

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

  • Ask CNA how hired and non-owned auto limits apply to employees using personal vehicles. [1] [3]
  • Ask AIG to confirm fleet size, truck weight, driver qualifications, and hotline access. [1] [3]
  • Request the CNA Drive Other Car terms and compare physical-damage schedules and deductibles. [1] [3]

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 ↗

CNA

  • coverage: CNA commercial auto covers business-use owned, hired and non-owned vehicles for bodily injury/property damage. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA lists automobile liability and physical damage, and an optional Drive Other Car endorsement for executives. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA names Driver Distractions/Cargo Securement programs and claims support. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

AIG specifies heavy-truck fleet and driver criteria and offers trucking risk services. CNA describes auto liability for owned, hired, and non-owned vehicles, physical damage, and an optional Drive Other Car endorsement.

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 Insurance Guide

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

  3. 03
    Commercial Auto Insurance for Businesses | CNA Insurance

    CNA · Coverages, endorsements, risk control, claims · accessed 2026-09-28

  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

Share your transportation and logistics needs with Embarcadero Risk to discuss next steps.

Contact Embarcadero Risk