AIG vs Harper: Commercial Auto Insurance

Both serve trucking: Harper is a broker taking one application and quickly sending proof of insurance for federal operating-authority rules, while AIG underwrites for-hire fleets of 11 to 250 power units through select brokers.

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

AIG specifies heavy-truck, fleet-size, driver, and tenure criteria. Harper Insurance targets freight and passenger transport operators and describes a single application submitted to markets that write commercial auto.

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

Trucking Criteria and Transportation Operations

AIG targets for-hire fleets with trucks over 26,000 pounds, 11–250 power units, predominantly Class A/B CDL drivers, and four years in operation. Harper Insurance names freight carriers, trucking companies, passenger transport, and specialized operators. Harper describes commercial auto liability separately from collision and comprehensive vehicle damage, so an operator should request both parts and check whether its fleet fits AIG’s narrower criteria. [1] [4]

Market Access and Proof of Insurance

AIG says access is through select brokers and describes a 24/7 incident-management hotline. Harper says it submits one application to insurers writing transportation risks and can provide proof-of-insurance documents for FMCSA operating-authority requirements. A carrier facing a filing deadline should ask Harper which proof can be issued after binding and confirm AIG’s broker process and incident contact. [1] [3]

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

  • Ask AIG to confirm weight, fleet-size, CDL, and operating-history eligibility. [1] [4]
  • Ask Harper how quickly proof of insurance can be issued and which liability and vehicle-damage parts are quoted. [1] [3]
  • Confirm insurer identity, FMCSA filing needs, limits, and incident reporting process. [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 ↗

Harper

  • role: Harper describes itself as taking one application for a transportation business and calling the insurance companies that write commercial auto for that kind of operation, rather than underwriting the policy itself. Transportation industry page 'Why Harper' section and homepage coverage-list introduction.company-reportedSource ↗Source ↗
  • eligibility: Harper says its transportation practice, which includes commercial auto liability, covers freight carriers, trucking companies, passenger transport services and specialized transportation operators. Transportation industry page 'Who this is for' section; general small-business intake elsewhere on the site does not repeat this list.company-reportedSource ↗
  • coverage: Harper describes commercial auto liability as coverage for vehicle accidents and third-party injuries during transportation operations, alongside a separate physical-damage coverage for collision and comprehensive damage to the vehicles themselves. Transportation industry page coverage callouts; the homepage separately describes commercial auto with 'coverage limits your contracts accept' rather than published limit amounts.company-reportedSource ↗Source ↗
  • services: Harper says it delivers proof-of-insurance documents quickly to support FMCSA operating-authority requirements, and describes explaining commercial auto, cargo coverage and FMCSA requirements in plain terms. Transportation industry page 'Why Harper' section.company-reportedSource ↗
  • application: You can request a commercial auto quote through Harper's online intake by selecting the 'Work vehicles (commercial auto)' checkbox, or by using the transportation-specific intake form, along with the business's state and estimated annual revenue. Homepage and transportation industry page quote-intake forms.company-reportedSource ↗Source ↗
  • insurer: The reviewed pages do not name the insurer or insurers that would issue a commercial auto policy Harper places; the transportation page describes 'every market' generally without listing carriers. Checked the transportation industry page and homepage insurer-logo panel on 2026-09-23; no carrier names found for commercial auto specifically.not-disclosedSource ↗Source ↗
  • limits: Harper's reviewed pages do not publish commercial auto liability or physical-damage limits and deductibles; the homepage says only that coverage comes with 'limits your contracts accept,' meaning the buyer's own contracts, not a published Harper figure, set the target. Checked the homepage and transportation industry page on 2026-09-23.not-disclosedSource ↗Source ↗

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
    Harper Homepage

    Harper · What we cover: 'Commercial auto insurance — One work truck or a full fleet, with coverage limits your contracts accept.'; quote-intake checkbox 'Work vehicles (commercial auto)' · accessed 2026-09-23

  4. 04
    Transportation Insurance

    Harper · Know your coverage: What is Transportation insurance?; Commercial Auto Liability, Cargo Protection, Physical Damage, Certificates callouts; Who this is for; Why Harper (Transportation Expertise, Fast Proof for Authority, Clear Simple Guidance) · 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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