What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is biBerk Insurance?
biBerk focuses on small businesses and describes a direct online path to answer business questions, choose coverage and pay, with an insurance expert available to help. Before you plan around online checkout, confirm that your state and the insurance you need are supported; biBerk says availability depends on both. 4,5
What Is Commercial Auto Insurance?
Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. 7,8,9,10
Key Differences in Commercial Auto Insurance
Heavy Truck Appetite and Vehicle Selection
AIG’s offer is designed for established for-hire trucking firms: trucks above 26,000 pounds, 11–250 power units, mostly Class A/B CDL drivers, and at least four operating years. biBerk lists cars, pickups, vans, trucks, food trucks, buses, motorcycles, tow trucks, and trailers as vehicles to explore. A mixed small-business fleet may start with biBerk’s broader vehicle list; larger trucking firms should test AIG’s exact underwriting criteria. 3 6
Scheduled Autos and Coverage Examples
biBerk says only vehicles listed on the policy are covered, with limited temporary-rental and replacement-vehicle exceptions; hired and non-owned autos may be added through a GL/BOP. AIG lists liability and physical-damage products but does not publish a buyer’s schedule or endorsements. Ask both providers to address borrowed, replacement, and newly acquired vehicles in their forms. 3 6
What to Confirm in Commercial Auto Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsbiBerk
Review Score
3 rated sources
Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.[4][1]
Read biBerk reviewsOffering Details
AIG vs biBerk: Commercial Auto Insurance: documented features by provider
| Criteria | AIG Truck Insurance Group Commercial Auto | biBerk Commercial Auto |
|---|---|---|
| Role in This Line | AIG describes itself as providing admitted automobile liability and physical-damage insurance to a specifically scoped for-hire trucking segment; the page does not identify the insurer subsidiary for a particular quote. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Confirm in your quote. |
| Who It’s For | AIG scopes this commercial-auto offer to small and midsize for-hire trucking companies with heavy vehicles above 26,000 pounds, fleets of 11–250 power units, predominantly Class A/B CDL drivers and at least four years of operating experience. AIG says access is through select brokers. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | biBerk lists cars, pickups, vans, trucks, food trucks, buses, motorcycles, tow trucks, trailers and other business vehicles as eligible vehicle types to explore. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business business-use auto. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
| Coverage Features | AIG lists admitted automobile liability and physical-damage products for the stated for-hire truck segment. It does not publish a buyer’s vehicle schedule, covered causes, territory, or policy endorsements on this page. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | The page describes bodily-injury/property-damage liability, medical-payments/no-fault and uninsured-motorist coverage examples. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: commercial auto liability. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk says only vehicles listed on the policy are covered; its page describes limited temporary-rental and replacement-vehicle exceptions, while hired/non-owned vehicles may be added through GL/BOP. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: commercial auto vs HNOA. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; the stated exceptions are page-specific summaries and exact issued terms govern. |
| Limits and Retentions | AIG says liability deductibles may be offered up to $50,000. This is a stated underwriting option, not a standard deductible or limit for a specific policy. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Confirm in your quote. |
| Risk Services | AIG describes a broker-facing appetite platform, trucking risk-control consulting, fleet-safety and DOT-compliance support, and a 24/7 incident-management hotline. These services do not expand policy coverage. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | biBerk provides an online quote path and phone help for commercial auto. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: commercial auto. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
Full Comparison
More AIG vs biBerk Comparisons
Other Commercial Auto Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Truck Insurance Group. AIG; Official AIG Truck Insurance Group page: admitted auto liability and physical-damage products; stated heavy-vehicle, fleet-size, driver and operating-experience criteria; select-broker channel, underwriting platform and risk services. Accessed 2026-09-30.
biBerk
- Small Business Insurance From biBerk | Get A Quote Online. biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
- About biBerk | Making Small Business Insurance Simple. biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
- Commercial Auto Insurance From biBerk | Get Coverage Online. biBerk; Vehicle eligibility, coverage, exclusions and FAQs. Accessed 2026-09-28.
Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
- Auto Insurance. NAIC; Coverages. Accessed 2026-09-16.
- 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.
- 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.
