What Are the Key Differences Between Alliance Risk and Corgi Commercial Auto Insurance?
Fleet Brokerage vs. Trucking Liability
Corgi’s product is trucking liability, not the broader fleet mix Alliance Risk describes: it lists auto liability, physical damage, UM/UIM, MedPay or PIP, and optional hired and non-owned coverage for multiple industries. [5] [2]
Filings and Limits
Alliance Risk’s reviewed pages give premium ranges ($1,200–$2,400 per vehicle for small businesses, $3,000–$10,000+ for larger fleets) but do not publish liability limits or deductibles. Corgi advertises commercial auto liability limits up to $1 million with self-insured retention options, and says the product includes an MCS-90 endorsement and required state filings issued at bind. [2] [5]
Services Beside the Policy
Alliance Risk describes fleet and usage analysis, driver safety programs, telematics and GPS integrations, and claims advisors for accident scenarios. Corgi’s reviewed trucking pages, as captured, do not describe comparable fleet-safety or claims-advisor services; both sets of reviewed pages leave the issuing insurer unnamed. [2] [5]
What Should You Confirm in Alliance Risk and Corgi Commercial Auto Insurance Quotes?
- Ask Corgi whether the quote is the trucking liability product with MCS-90 and state filings, and which insurer issues it. [5]
- Ask Alliance Risk which carrier it would use for a trucking or mixed fleet and whether MCS-90 filings are in scope. [2]
- Compare Corgi’s $1 million liability cap and SIR options with Alliance Risk’s unpublished limits and published premium ranges. [5] [2]
- Confirm physical damage and hired/non-owned auto: Alliance Risk lists them; Corgi’s reviewed trucking description is liability-focused. [2] [5]