Corgi vs 
Embroker: How Do They Compare for Commercial Auto Insurance?
Embroker sells commercial auto for passenger cars, vans and larger vehicles, with quotes in minutes; Corgi covers trucking operators with limits up to $1 million and an MCS-90 endorsement (a federal filing for motor carriers).
Corgi targets truckers with MCS-90 and limits up to $1 million; Embroker quotes business auto online in minutes and covers owned, leased and hired vehicles, alone or with a BOP. 1,3
What Are the Key Differences Between Corgi and Embroker Commercial Auto Insurance?
Trucking Liability vs. Broad Business Vehicle Use
Embroker’s product covers businesses that own, lease or hire passenger vehicles, vans, pickups, SUVs and larger commercial vehicles, and can be purchased alone or alongside a BOP. It also lists contractual, employer’s liability, intended-injury and pollution exclusions. 1 3
Advertised Amounts vs. Legal Minimums
Corgi advertises commercial auto liability limits up to $1 million, with self-insured retention options; the reviewed pages do not name the issuing insurer. Embroker’s reviewed pages do not publish a dollar cap like that; they say required coverage amounts are set by state or federal law and vary with vehicle weight, passenger capacity, and hazardous materials. Those are two different public statements about how a limit is described—not proof of what either quote will bind. 1 3
What Each Coverage List Includes
Corgi describes the product as commercial auto liability for trucking operators, with MCS-90 and state filings at bind. Embroker lists property and bodily injury liability, medical payments, and collision as base coverages, with common endorsements including comprehensive, uninsured motorist, hired and non-owned auto, and roadside assistance, and separately lists exclusions such as contractual liability, employer’s liability, intended injury, fellow-employee injury, and pollution. Corgi’s reviewed pages do not describe that endorsement or exclusion list, so those terms have to come from a quote. 1 3
What Should You Confirm in Corgi and Embroker Commercial Auto Insurance Quotes?
- Ask Corgi for the issuing insurer, MCS-90, state filings, the $1 million advertised maximum, and any SIR. 1
- Ask Embroker whether the quote is standalone or on a BOP, and which listed exclusions apply. 3
- Compare Corgi’s advertised liability maximum with the state- or federal-required amounts Embroker says apply to your vehicle weight and cargo. 1 3
- Ask both quotes which physical-damage and hired or borrowed-driver terms attach; Embroker lists those as base coverages or endorsements, and Corgi’s reviewed pages describe liability and filings. 3 1
Corgi vs Embroker Commercial Auto Insurance Compared
Corgi vs Embroker: Commercial Auto Insurance: documented features by provider
| Criteria | Corgi Trucking Commercial Auto Liability | Embroker Commercial Auto Insurance |
|---|---|---|
| Coverage Features | 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. 1Company-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. 3Company-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. 3Company-reported. Product-page What's Not Covered section. |
| Role in This Line | 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. 1,2Company-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. 3Company-reported. Product-page description; not a statement about the issuing insurer. |
