What Are the Key Differences Between Corgi and Embroker Commercial Auto Insurance?
Trucking Liability vs. Broad Business Vehicle Use
Embroker’s product covers businesses that own, lease or hire passenger vehicles, vans, pickups, SUVs and larger commercial vehicles, and can be purchased alone or alongside a BOP. It also lists contractual, employer’s liability, intended-injury and pollution exclusions. [3] [4]
Advertised Amounts vs. Legal Minimums
Corgi advertises commercial auto liability limits up to $1 million, with self-insured retention options; the reviewed pages do not name the issuing insurer. Embroker’s reviewed pages do not publish a dollar cap like that; they say required coverage amounts are set by state or federal law and vary with vehicle weight, passenger capacity, and hazardous materials. Those are two different public statements about how a limit is described—not proof of what either quote will bind. [3] [4]
What Each Coverage List Includes
Corgi describes the product as commercial auto liability for trucking operators, with MCS-90 and state filings at bind. Embroker lists property and bodily injury liability, medical payments, and collision as base coverages, with common endorsements including comprehensive, uninsured motorist, hired and non-owned auto, and roadside assistance, and separately lists exclusions such as contractual liability, employer’s liability, intended injury, fellow-employee injury, and pollution. Corgi’s reviewed pages do not describe that endorsement or exclusion list, so those terms have to come from a quote. [3] [4]
What Should You Confirm in Corgi and Embroker Commercial Auto Insurance Quotes?
- Ask Corgi for the issuing insurer, MCS-90, state filings, the $1 million advertised maximum, and any SIR. [3]
- Ask Embroker whether the quote is standalone or on a BOP, and which listed exclusions apply. [4]
- Compare Corgi’s advertised liability maximum with the state- or federal-required amounts Embroker says apply to your vehicle weight and cargo. [3] [4]
- Ask both quotes which physical-damage and hired or borrowed-driver terms attach; Embroker lists those as base coverages or endorsements, and Corgi’s reviewed pages describe liability and filings. [4] [3]