AIG vs Corgi: Commercial Auto Insurance

Both focus on trucking: AIG serves midsize for-hire fleets of 11 to 250 power units through select brokers, while Corgi advertises liability limits up to $1 million, with a federal motor-carrier filing, on a separate trucking site.

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 Corgi Commercial Auto Insurance?

Underwriting Criteria and Liability Limits

AIG targets trucking firms with heavy vehicles above 26,000 pounds, 11–250 power units, predominantly Class A/B CDL drivers, and at least four years of operating history. Corgi advertises trucking auto-liability limits up to $1 million with self-insured retention options. A fleet should compare the stated limit and retention with AIG’s eligibility rules, then ask for the actual limit alternatives and deductible structure in each quote. [1] [4]

Physical Damage and Filing Requirements

AIG describes both automobile liability and physical-damage products for its segment. Corgi’s published product description focuses on liability, includes an MCS-90 financial-responsibility endorsement, and says required state filings are issued at bind. If trucks need collision or comprehensive coverage, ask Corgi whether another policy is required and ask AIG to schedule physical damage separately. [1] [4]

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

  • Ask Corgi which SIR options and state filings apply and when evidence is available. [1] [4]
  • Ask AIG whether the fleet meets its truck-weight, unit-count, driver, and tenure thresholds. [1] [4]
  • Compare liability limits, retention/deductibles, physical damage, and insurer identity. [1] [4]

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 ↗

Corgi

  • role: Corgi's commercial auto liability product for trucking operators is hosted on a separate site, trucking.corgi.insure, distinct from the startup-insurance product pages on corgi.insure that carry CGL, D&O, Cyber and the other startup modules. Site structure as observed on 2026-09-23. The trucking site is a JavaScript-rendered application; the reviewed pages returned only page metadata (title and description) without executing client-side rendering, so no further page content was reviewed.company-reportedSource ↗Source ↗
  • coverage: Corgi describes the product as commercial auto liability insurance for trucking operators that includes an MCS-90 endorsement (a federal financial-responsibility filing for motor carriers) and handles required state filings issued at bind. Page metadata for trucking.corgi.insure/insurance/auto-liability; the underlying policy form, named insured requirements and exclusions were not accessible in the reviewed page content.company-reportedSource ↗
  • limits: Corgi advertises commercial auto liability limits up to $1 million, with self-insured retention (SIR) options. Page metadata only; the specific limit tiers, minimum/maximum SIR amounts and how they vary by fleet were not accessible in the reviewed page content.company-reportedSource ↗
  • insurer: The reviewed page content does not name the insurer or underwriting entity for commercial auto liability; the trucking site's disclosures were not reachable without executing its client-side application. trucking.corgi.insure/insurance/auto-liability as fetched on 2026-09-23. Corgi's main-site disclaimers page names Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as underwriters for its startup product lines, but nothing in the reviewed sources ties that disclosure to the separately branded trucking product.not-disclosedSource ↗

AIG specifies fleet size, truck weight, driver qualifications, and years in operation for its trucking offer. Corgi describes auto liability for trucking operators with MCS-90, state filings, and limits up to $1 million.

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
    Corgi Insurance: Startup Insurance, Quoted in Minutes

    Corgi Insurance · Site-wide navigation link to trucking.corgi.insure, the separate trucking-insurance property that hosts the Auto Liability and Per-Load Cargo product pages · accessed 2026-09-23

  4. 04
    Commercial Auto Liability | Corgi Trucking Insurance

    Corgi Trucking (trucking.corgi.insure) · Page title and meta/OpenGraph description: 'Commercial auto liability insurance for trucking operators, with limits up to $1M, SIR options, MCS-90, and required state filings issued at bind.' · accessed 2026-09-23

  5. 05
    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

  6. 06
    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

  7. 07
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

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