What Are the Key Differences Between Corgi and Travelers Commercial Auto Insurance?
Standalone Small-Business Auto vs. Trucking Liability
Travelers sells commercial auto as a separate policy through an independent agent and lists optional CoveragePlus and Risk Control services. Choose Travelers if you need commercial auto for a non-trucking fleet; choose Corgi if your motor-carrier operation needs MCS-90 and filings at bind. [7] [3]
Shared Headline Limit, Different Filings
Both companies advertise liability related to $1 million: Corgi as limits up to $1 million with SIR options, Travelers as liability coverage limits of up to $1 million for bodily injury and property damage to others. Corgi also describes MCS-90 and required state filings at bind. Travelers lists liability, physical damage to owned, leased, hired, or borrowed vehicles, collision, comprehensive, and uninsured/underinsured drivers, plus industry versions for public sector, oil and gas, and trucking through Northland. [3] [7]
Add-Ons and Risk Control
Travelers offers optional Select Auto CoveragePlus items such as auto lease gap, employee hired auto, and blanket additional insured, plus hired and non-owned auto, more than 600 Risk Control consultants, a dedicated Claim team, and roadside assistance. Corgi’s reviewed metadata does not list those enhancements or consultant counts. [7] [3]
What Should You Confirm in Corgi and Travelers Commercial Auto Insurance Quotes?
- Confirm the issuer: Travelers underwrites its form; Corgi’s trucking pages do not name the carrier. [7] [3]
- Compare how each $1 million figure is structured, including Corgi’s SIR and Travelers’ deductibles. [3] [7]
- Ask Corgi about MCS-90 and state filings, and ask Travelers whether a Northland trucking form or CoveragePlus endorsements apply. [3] [7]
- Ask Travelers which Risk Control and roadside services attach, which Corgi’s reviewed pages do not describe. [7] [3]