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 Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 4,5,6,7,8
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. 10,11,12,13
Key Differences in Commercial Auto Insurance
Truck Fleet Appetite and Vehicle Ownership
AIG limits its stated offer to for-hire truck fleets above 26,000 pounds, with 11–250 power units, mostly Class A/B CDL drivers, and at least four years in business. Gallagher recommends coverage for businesses using owned, hired, non-owned, rented, leased, or employee-owned vehicles for work. Companies with mixed vehicle ownership should ask Gallagher to map each category; trucking operators should verify AIG’s narrower underwriting criteria. 3 9
Claims Cost Pressures and Quote Access
Gallagher says commercial auto claims costs face pressure from social inflation, vehicle electronics and repair costs, and supply delays. AIG offers a 24/7 incident-management hotline for its target fleets. Gallagher provides an online quote form, advisor phone line, and callback request. Ask both providers who will respond after an accident and how the quoted program handles employee-owned delivery vehicles. 3 9
What to Confirm in Commercial Auto Insurance Quotes
- Ask Gallagher to show where personal auto ends and commercial coverage begins for employees driving on business. 3 9
- Ask AIG to confirm its truck weight, fleet size, driver, and operating-history requirements. 3 9
- Compare incident response, bodily-injury limits, physical damage, and the insurer handling claims. 3 9
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 reviewsGallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsOffering Details
AIG vs Gallagher: Commercial Auto Insurance: documented features by provider
| Criteria | AIG Truck Insurance Group Commercial Auto | Gallagher Small Business Commercial Auto Insurance |
|---|---|---|
| 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. | Gallagher Small Business arranges commercial auto coverage with partner carriers rather than underwriting the policy itself. 9Company-reported. Gallagher Small Business's direct-to-small-business commercial auto product page. |
| Issuing Insurer | Confirm in your quote. | The commercial auto product page does not name the insurer that would issue a given business's policy. 9Not publicly disclosed. Checked the commercial auto product page on 2026-09-23. |
| 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. | Gallagher recommends this coverage for businesses that use vehicles for business purposes, including owned, hired and non-owned autos, rented or leased vehicles, and employees who drive their own cars for work. 9Company-reported. Product page "Recommended for businesses that" list; actual acceptance depends on underwriting. |
| 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. | Gallagher describes commercial auto as covering bodily injury and property damage to third parties, accidents caused by uninsured or underinsured drivers, physical damage to owned, rented, hired or employee vehicles, and medical costs for the business owner, employees and passengers, plus theft and damage. 9Company-reported. Product page coverage list; the issued policy and its exclusions control. Gallagher's small-business team says the commercial auto market remains challenging because of social inflation and the long-tail nature of auto liability claims, and that rising repair costs from added vehicle electronics and safety features, plus supply-chain delays, are increasing claim costs. 9Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business. Gallagher illustrates the coverage gap when a personal vehicle is used for business: it describes a bakery owner whose personal auto insurer refused to pay a delivery-related accident claim because she lacked commercial auto insurance. 9Company-reported. Product page hypothetical claim scenario; illustrative example, not a report of an actual claim outcome. |
| 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. | The commercial auto product page does not publish liability limits, deductibles or premiums; it directs prospective buyers to request a quote instead. 9Not publicly disclosed. Checked the commercial auto product page on 2026-09-23. |
| 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. | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a commercial auto quote. 9Company-reported. Product page "Get Covered Now" section. |
Full Comparison
More AIG vs Gallagher 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.
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Commercial Auto Insurance. Gallagher Small Business; Commercial Auto Insurance Overview; Do you need Commercial Auto insurance?; Recommended for businesses that:; Small business auto market trends; Consider this claim scenario; Get Covered Now. Accessed 2026-09-23.
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.
