Corgi vs Embroker Commercial Auto Insurance

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. ^6,2Company-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.

Embroker sells commercial auto as a standalone policy that can also be added onto a Business Owners Policy, covering the business, its employees, and other hired or borrowed drivers. ¹⁰Company-reported. Product-page description; not a statement about the issuing insurer.

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. ⁶Not 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.

Not described in the reviewed sources.

Not described in the reviewed sources.

Embroker says the coverage is for businesses that own, lease or hire vehicles for work purposes, including passenger cars, vans, pickups, SUVs and larger commercial vehicles, and notes personal auto policies typically exclude business use. ¹⁰Company-reported. Product-page 'Who Is It For?' and vehicle-type sections; not a guarantee of coverage for a particular fleet.

Embroker says required coverage amounts are set by state or federal law and vary based on vehicle weight, passenger capacity, and whether the vehicle carries hazardous materials. ¹⁰Company-reported. Product-page 'Commercial Auto Insurance Requirements By State' section; specific state requirements were not independently verified.

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. ⁶Company-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.

Embroker lists property and bodily injury liability, medical payments, and collision coverage as base commercial auto coverages, with common endorsements including comprehensive, uninsured motorist, hired and non-owned auto, and roadside assistance. ¹⁰Company-reported. Product-page 'What Does Business Auto Insurance Cover?' section; the issued policy and declarations control.

Embroker says the policy excludes contractual liability assumed under a business contract, employer's liability claims (covered by EPLI), expected or intended injury, fellow-employee injury claims, and pollution-related injuries. ¹⁰Company-reported. Product-page What's Not Covered section.

Corgi advertises commercial auto liability limits up to $1 million, with self-insured retention (SIR) options. ⁶Company-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.

Not described in the reviewed sources.

Not described in the reviewed sources.

Embroker says applicants can sign up on its platform, select coverage, and get a commercial auto quote in a few minutes. ¹⁰Company-reported. Product-page 'Who Is It For?' quote call to action; no quote was requested during this research.