What Are the Key Differences Between Corgi and Zurich U.S. Commercial Auto Insurance?
Trucking liability and rental fleets
Corgi’s separate trucking product describes commercial auto liability for trucking operators, including an MCS-90 endorsement and required state filings issued at bind; it advertises limits up to $1 million with self-insured retention options. Zurich’s published auto program addresses rental fleets, with financial-responsibility liability and uninsured or underinsured motorist and no-fault options. A motor carrier should check Corgi’s filing and retention terms, while a rental operator should ask Zurich how each liability option is selected. [3] [7]
Physical damage and quote scope
Corgi’s reviewed product description is limited to trucking liability and does not describe physical-damage coverage in the cited claim. Zurich lists specified-peril, comprehensive and collision options for rental fleets, while noting limitations on its catastrophic option and conversion losses. Buyers should not assume Corgi’s advertised liability limit covers damage to their own trucks; ask for a separate physical-damage proposal and compare it with Zurich’s scheduled vehicle options if the business rents vehicles. [3] [7]