Corgi vs Hub International: Commercial Auto Insurance

HUB International brokers for fleets and transportation providers, with long- and short-haul options and no online quote flow described; Corgi publishes trucking auto liability limits up to $1 million.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-29

Corgi focuses on trucking liability with MCS-90 and limits up to $1 million; HUB serves fleets with long- and short-haul options, hired/non-owned auto and safety analytics.

Source material

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Commercial Automobile: Coverage, Classification and Limits · accessed 2026-09-16

  2. 02
    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

  3. 03
    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

  4. 04
    Commercial Auto Insurance Broker Policy & Coverage

    HUB International · Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker · 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

What Are the Key Differences Between Corgi and HUB International Commercial Auto Insurance?

Trucking Filings vs. Fleet and Haul Options

HUB lists long- and short-haul options, hired and non-owned auto, towing and lease gap, plus fleet analytics. Corgi’s listed product focuses on trucking liability and state filings at bind. Choose Corgi if MCS-90 and trucking filings are your main needs; choose HUB if you need broader fleet services and haul options. [3] [4]

Filings and Coverages Named

Corgi describes MCS-90 and required state filings issued at bind, with advertised liability up to $1 million and SIR options. HUB lists long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, and lease gap, plus property damage and bodily injury. HUB’s reviewed page does not mention MCS-90; Corgi’s metadata does not list towing or lease gap. [3] [4]

Risk Tools and Access

HUB says it uses complex risk and analytics to benchmark programs and reduce total cost of risk, and it cross-promotes Fleet Risk Management and Workplace Safety Management. Corgi’s reviewed trucking pages do not describe those analytics or safety programs. HUB starts with contacting a broker; Corgi presents the line on a dedicated trucking auto-liability page. [4] [3]

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

  • Ask both who issues the policy, since neither reviewed page names the insurer. [3] [4]
  • Match Corgi’s $1 million / SIR figures against HUB’s unpublished limits and any SIR or deductible on the quote. [3] [4]
  • If you haul, ask HUB whether long-haul or short-haul wording applies, and ask Corgi whether MCS-90 and state filings are on the form at bind. [4] [3]
  • Ask HUB which fleet-risk services are included, and whether Corgi’s placement includes any comparable safety work. [4] [3]

Coverage topics

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 ↗

HUB International

  • role: HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. Product-page coverage list; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. Product-page description; not a published underwriting appetite by fleet size or vehicle class.company-reportedSource ↗
  • services: HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. Product-page service description; a company-reported capability, not an independently assessed outcome.company-reportedSource ↗
  • insurer: The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • application: HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. Product-page call to action as read 2026-09-23.company-reportedSource ↗

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