Corgi vs 
Harper: How Do They Compare for Commercial Auto Insurance?
Corgi sells trucking liability up to $1 million with an MCS-90 endorsement, a federal filing for motor carriers; Harper is a broker for freight, trucking and passenger transport that supplies insurance proof quickly for federal operating authority.
Corgi offers trucking liability with MCS-90, state filings at bind and up to $1 million limits; Harper shops across freight, trucking, passenger and specialized transport and handles FMCSA proof. 1,3,4
What Are the Key Differences Between Corgi and Harper Commercial Auto Insurance?
Trucking Liability vs. Wider Transportation Coverage
Harper takes one transportation application for freight carriers, trucking companies, passenger transport services and specialized operators, including physical-damage coverage and FMCSA proof-of-insurance documents. Ask Corgi which insurer would issue the trucking policy before comparing forms. 1 3 4
Motor-Carrier Filings Versus Physical Damage
Corgi’s metadata says the trucking form includes an MCS-90 endorsement and required state filings issued at bind. Harper lists commercial auto liability for accidents and third-party injuries in transportation work, plus a separate physical-damage coverage for collision and comprehensive on the units themselves. Harper’s reviewed pages do not describe MCS-90 or bind-time state filings. 1 3
Who the Line Is Built For
Corgi frames the product for trucking operators. Harper’s transportation practice names freight carriers, trucking companies, passenger transport, and specialized operators, and it says it can turn around proof of insurance quickly for FMCSA operating-authority needs. Corgi advertises liability limits up to $1 million with SIR options; Harper publishes no dollar limits and says only that coverage should meet limits your contracts accept. 1 3 4
What Should You Confirm in Corgi and Harper Commercial Auto Insurance Quotes?
- Get the issuing insurer from both: Corgi’s trucking pages do not name one, and Harper describes markets generally without a carrier list. 1 3
- Ask Corgi which limit tier and SIR apply, and ask Harper what physical-damage deductibles sit beside liability. 1 4
- Confirm whether MCS-90 and state filings are included at bind on a Corgi quote, and whether Harper’s placement includes the same motor-carrier filings. 1 3
- Ask Harper how quickly it can produce FMCSA proof for your authority filing, and whether Corgi’s bind-time filings cover the same certificates. 3 1
Corgi vs Harper Commercial Auto Insurance Compared
Corgi vs Harper: Commercial Auto Insurance: documented features by provider
| Criteria | Corgi Trucking Commercial Auto Liability | Harper 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. | Harper describes commercial auto liability as coverage for vehicle accidents and third-party injuries during transportation operations, alongside a separate physical-damage coverage for collision and comprehensive damage to the vehicles themselves. 3,4Company-reported. Transportation industry page coverage callouts; the homepage separately describes commercial auto with 'coverage limits your contracts accept' rather than published limit amounts. |
| 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. | Harper describes itself as taking one application for a transportation business and calling the insurance companies that write commercial auto for that kind of operation, rather than underwriting the policy itself. 3,4Company-reported. Transportation industry page 'Why Harper' section and homepage coverage-list introduction. |
