What Are the Key Differences Between AIG and Embroker Commercial Auto Insurance?
Commercial Trucking and General Business Autos
AIG targets heavy for-hire fleets with trucks above 26,000 pounds, 11–250 power units, predominantly Class A/B CDL drivers, and four years of operating experience. Embroker addresses businesses that own, lease, or hire vehicles for work, including cars, vans, pickups, SUVs, and larger commercial vehicles. Small fleets and mixed vehicle schedules should check Embroker’s fit; established carriers should verify AIG’s thresholds before investing in a submission. [1] [3]
Base Cover and Endorsement Choices
Embroker lists liability, medical payments, and collision as base coverages and says comprehensive, uninsured motorist, hired/non-owned auto, and roadside assistance are common endorsements. AIG describes liability and physical-damage products but does not publish quote-specific schedules. Ask each provider to itemize required state limits and endorsements for your vehicles and operating territory. [1] [3]
What Should You Confirm in AIG and Embroker Commercial Auto Insurance Quotes?
- Ask Embroker which state or federal minimums apply based on vehicle weight, passenger capacity, and cargo. [1] [3]
- Ask AIG whether your fleet meets its CDL, unit-count, vehicle-weight, and experience criteria. [1] [3]
- Compare hired/non-owned, uninsured motorist, collision, and comprehensive terms in the actual forms. [1] [3]