AIG vs Hub International: Trucking Insurance

HUB International brokers for operations with one or more power units, from owner-operators to hazmat haulers, while AIG names for-hire fleets of 11–250 heavy power units with at least four years' operating experience.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

What Are the Key Differences Between AIG and HUB International Trucking Insurance?

Appetite and fleet size

HUB describes a broad transportation practice for one or more power units, from long-haul carriers and owner-operators to last-mile, electric, hazmat, and specialized freight. AIG targets a narrower published segment: small and midsize for-hire fleets with 11–250 heavy power units and four years of operating history. Buyers outside AIG’s stated segment can ask HUB how its broader fleet scope translates to carrier appetite. [1] [2]

Risk support and submission

HUB lists motor truck cargo, non-trucking liability, occupational accident, pollution, and umbrella among its placements, plus claims advocacy, safety training, and FMCSA/DOT support. AIG names auto liability, physical damage, general liability, and trucking-specific incident services. Compare which lines and compliance supports the fleet needs under one transportation program. [1] [2]

What Should You Confirm in AIG and HUB International Trucking Insurance Quotes?

  • Ask AIG how its fleet and driver thresholds apply and which coverages are included in the proposed program. [1]
  • Ask HUB International which specialist, carrier, and trucking services apply to your operation. [2]

Coverage topics

AIG

  • role: AIG markets a trucking-focused insurance group rather than a universal trucking package. It names automobile liability, physical damage and general liability products for the described segment. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG names small and midsize for-hire trucking businesses with fleets of 11–250 heavy power units, predominantly Class A/B CDL drivers and at least four years’ operating experience; the page says products are available through select brokers. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: AIG lists admitted auto liability, physical damage and general liability products for this trucking segment. The page does not state that every coverage is included in every account’s program or describe a buyer’s policy wording. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG describes trucking-focused underwriting, fleet safety and DOT-compliance consulting, claims professionals and a 24/7 incident hotline. These are services and do not guarantee claim payment. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: AIG says liability deductibles up to $50,000 may be available. The page gives no standard policy limit or account-specific deductible. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

HUB International

  • role: HUB brokers commercial truck insurance through a dedicated transportation practice rather than underwriting the coverage itself. Commercial truck insurance product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • eligibility: HUB says it serves trucking operations with one or more power units, including long-haul and regional carriers, last-mile and delivery operations, independent owner-operators, contract motor carriers, and specialized freight or hazmat haulers, across truck types from semi-trucks to electric trucks. Product-page eligibility and target-market list; not a published underwriting appetite by loss history or safety score.company-reportedSource ↗
  • coverage: HUB lists trucking-specific coverages it arranges including commercial auto liability and physical damage, motor truck cargo insurance, non-trucking liability and occupational accident insurance for owner-operators, environmental and pollution liability, and excess or umbrella coverage, alongside general business lines such as property, crime, cyber, EPL and workers' compensation. Product-page coverage list; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • services: HUB says its trucking practice provides claims advocacy and support, fleet risk management programs with driver safety training, regulatory compliance support for FMCSA and DOT requirements, mock DOT/OSHA audits, and a cross-border strategy for U.S., Canada and Mexico operations. Product-page service description; a company-reported set of capabilities, not an independently assessed outcome.company-reportedSource ↗
  • application: HUB says underwriters for this line typically require a transportation-specific application, IFTA fuel-tax statements, an equipment list, a driver roster, three to five years of loss runs, and information about the carrier's safety program and culture. Product-page application-requirements list as read 2026-09-23.company-reportedSource ↗
  • insurer: The commercial truck insurance page does not name an issuing insurer; HUB places trucking business with carriers that vary by placement. Checked the commercial truck insurance page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗

HUB lists cargo, non-trucking liability, occupational accident, cross-border planning, claims advocacy, and regulatory support; AIG names auto, physical damage, and general liability products.

Source material

  1. 01
    Truck Insurance Group

    AIG · Official AIG Truck Insurance Group page: for-hire trucking target, auto liability/physical damage/general liability, selection criteria, risk consulting and incident-management support. · accessed 2026-09-30

  2. 02
    Commercial Truck Insurance Brokerage Services

    HUB International · Business insurance list for trucking: commercial auto liability/physical damage, commercial property, crime, cyber, EPL, motor truck cargo, non-trucking liability, occupational accident, environmental and pollution liability, workers' compensation, excess/umbrella; eligibility for 1+ power units; services: claims advocacy, fleet risk management, regulatory compliance support, mock DOT/OSHA audits; application requirements; Contact a HUB broker · accessed 2026-09-23

  3. 03
    Business Vehicle Insurance

    Insurance Information Institute · Opening: cars, trucks, vans; BACF autos defined to include cars, trucks, trailers, vans; Does a Business Umbrella Cover Autos?; owned, hired and non-owned autos; Do I Need a Business Auto Policy?; What Vehicles Are Covered?; Be Sure the Right Insured Is on the Policy · accessed 2026-09-16

  4. 04
    Products

    Kinro · 05 Trucking Insurance: auto liability, cargo, physical damage, filings; when to review: hauling, cargo, filings, radius, contracts · accessed 2026-09-16

  5. 05
    49 CFR 387.9 Financial responsibility, minimum levels

    Legal Information Institute (eCFR text) · Table 1 to § 387.9 Schedule of Limits—Public Liability: type of carriage, commodity, GVWR · accessed 2026-09-16

  6. 06
    Commercial Auto Biennial Report

    Texas Department of Insurance · p.7 Policies: Business auto vs Motor carrier (can include cargo); Truckers vs non-truckers; FMCSA interstate minimums mentioned without amounts · accessed 2026-09-16

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