Chubb vs 
Corgi Commercial Auto Insurance
Chubb underwrites ISO commercial auto with a Broad Form endorsement; Corgi’s reviewed product is trucking liability with MCS-90 up to $1 million.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
What Is Corgi Insurance?
Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. 6,7,8,9,10
What Is Commercial Auto Insurance?
Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. 12
Key Differences in Commercial Auto Insurance
Underwritten Auto vs. Trucking Liability
Chubb underwrites commercial auto directly, sold standalone or as an add-on within its Total Account Solution alongside a Chubb BOP, using ISO’s revised multi-state forms and a Commercial Auto Broad Form Endorsement. Corgi’s commercial auto liability product for trucking operators sits on a separate trucking site from its startup modules, and the reviewed description is liability for trucking operators rather than Chubb’s ISO Broad Form package. 4 5 11 7
Endorsements, Filings and Limits
Chubb’s Broad Form includes broad form insured, fellow employee coverage where allowed, rented-auto coverage for employees, and auto loan/lease gap, plus a High Value Vehicle endorsement for agreed value; when bundled in the small-business Total Account Solution, commercial auto includes PIP and UM/UIM limits up to $1 million. Corgi advertises commercial auto liability limits up to $1 million with self-insured retention options, and says the product includes an MCS-90 endorsement and required state filings issued at bind. Corgi’s reviewed pages do not name the issuing insurer. 4 5 11
Who Each Names
Chubb lists manufacturing, climate tech, natural resources, financial and professional services, technology, life sciences, media, federal contractors, oil and gas, and wholesalers, and connects clients to GL Plus Risk Consulting and fleet-safety materials. Corgi’s reviewed product is framed for trucking operators; the captured pages do not describe a comparable risk-consulting program. 4 11
What to Confirm in Commercial Auto Insurance Quotes
- Ask Corgi whether MCS-90 and state filings are on the bound policy and which insurer issues it. 11
- Ask Chubb whether the quote is standalone or Total Account Solution, and whether Broad Form, High Value Vehicle, and MCS-90 (if you are a motor carrier) apply. 4 5
- Compare Chubb’s bundled PIP and UM/UIM up to $1 million with Corgi’s $1 million liability cap and SIR options. 5 11
- Confirm physical damage and high-value private passenger vehicles on Chubb versus Corgi’s liability-focused trucking description. 4 11
Offering Details
Chubb vs Corgi Commercial Auto Insurance: documented features by provider
| Criteria | Chubb Commercial Auto Insurance | Corgi Trucking Commercial Auto Liability |
|---|---|---|
| Role in This Line | Chubb underwrites commercial auto insurance directly, sold standalone or as an add-on within its Total Account Solution alongside a Chubb BOP. 4,5Company-reported. Commercial Auto product page and workers'-compensation Total Account Solution section. | Corgi's commercial auto liability product for trucking operators is hosted on a separate site, trucking.corgi.insure, distinct from the startup-insurance product pages on corgi.insure that carry CGL, D&O, Cyber and the other startup modules. 11,7Company-reported. Site structure as observed on 2026-09-23. The trucking site is a JavaScript-rendered application; the reviewed pages returned only page metadata (title and description) without executing client-side rendering, so no further page content was reviewed. |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page content does not name the insurer or underwriting entity for commercial auto liability; the trucking site's disclosures were not reachable without executing its client-side application. 11Not publicly disclosed. trucking.corgi.insure/insurance/auto-liability as fetched on 2026-09-23. Corgi's main-site disclaimers page names Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as underwriters for its startup product lines, but nothing in the reviewed sources ties that disclosure to the separately branded trucking product. |
| Who It’s For | Chubb lists the industries it serves for commercial auto, including manufacturing, climate tech, natural resources, financial services, professional services, technology, life sciences, media and entertainment, federal contractors, oil and gas, and wholesalers/distributors. 4Company-reported. Commercial Auto "Who we serve" list. | Not described in the reviewed sources. |
| Coverage Features | Chubb uses ISO's revised multi-state forms and offers a Commercial Auto Broad Form Endorsement with enhancements such as broad form insured, fellow employee coverage where allowed, rented-auto coverage for employees, and auto loan/lease gap coverage. A High Value Vehicle endorsement provides agreed value for highly valued private passenger vehicles. 4Company-reported. Commercial Auto product page coverage-highlights list; availability depends on the issued policy and state. | Corgi describes the product as commercial auto liability insurance for trucking operators that includes an MCS-90 endorsement (a federal financial-responsibility filing for motor carriers) and handles required state filings issued at bind. 11Company-reported. Page metadata for trucking.corgi.insure/insurance/auto-liability; the underlying policy form, named insured requirements and exclusions were not accessible in the reviewed page content. |
| Limits and Retentions | When bundled through Chubb's small-business Total Account Solution, commercial auto includes personal injury protection and uninsured/underinsured motorist limits up to $1 million. The standalone commercial auto page does not publish its own limit figures. 5Company-reported. Workers'-compensation Total Account Solution section for the bundled small-business version; the dedicated commercial-auto page does not repeat these limits. | Corgi advertises commercial auto liability limits up to $1 million, with self-insured retention (SIR) options. 11Company-reported. Page metadata only; the specific limit tiers, minimum/maximum SIR amounts and how they vary by fleet were not accessible in the reviewed page content. |
| Risk Services | Chubb's GL Plus Risk Consulting connects commercial auto clients with outside risk-management experts, and Chubb publishes fleet-safety materials for transportation risks. 4Company-reported. Commercial Auto product page Risk Consulting section. | Not described in the reviewed sources. |
| How to Apply | You can request a business insurance quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. 4Company-reported. Commercial Auto product page quote call-to-action. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs Corgi Comparisons
Other Commercial Auto Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Commercial Auto Insurance. Chubb; Coverage highlights: ISO multi-state forms, Commercial Auto Broad Form Endorsement, High Value Vehicle endorsement; Who we serve industry list; Chubb Risk Consulting. Accessed 2026-09-23.
- Workers' Compensation Insurance for Small Business. Chubb; Total Account Solution section: commercial auto with personal injury protection and uninsured/underinsured motorist limits up to $1M. Accessed 2026-09-23.
Corgi
- Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Site-wide navigation link to trucking.corgi.insure, the separate trucking-insurance property that hosts the Auto Liability and Per-Load Cargo product pages. Accessed 2026-09-23.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
- Commercial Auto Liability | Corgi Trucking Insurance. Corgi Trucking (trucking.corgi.insure); Page title and meta/OpenGraph description: 'Commercial auto liability insurance for trucking operators, with limits up to $1M, SIR options, MCS-90, and required state filings issued at bind.'. 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.
