--- title: "Corgi vs HUB International Commercial Auto Insurance" description: "Corgi’s trucking liability cites MCS-90 and $1M limits; HUB brokers fleet auto with haul, hired-auto, and analytics services." canonical: "https://spot.insure/compare/corgi-vs-hub-international/commercial-auto" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/corgi-vs-hub-international/commercial-auto) # Corgi vs HUB International Commercial Auto Insurance Corgi’s trucking liability cites MCS-90 and $1M limits; HUB brokers fleet auto with haul, hired-auto, and analytics services. ## Research Scope and Use Use this comparison to evaluate Corgi and HUB International for Commercial Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Corgi advertises trucking commercial auto liability with MCS-90, bind-time state filings, limits up to $1 million, and SIR options. HUB brokers the line for fleets and transportation businesses, listing long- and short-haul, hired and non-owned auto, towing, lease gap, and fleet-risk analytics. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") ## 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. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups") [Corgi profile](https://spot.insure/insurance-providers/corgi) ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [7](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is Commercial Auto Insurance? Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") ## Key Differences in Commercial Auto Insurance ### Trucking Form Versus Brokered Fleet Menu Corgi sells a trucking-branded commercial auto liability product. HUB brokers commercial auto for fleets and transportation businesses instead of underwriting it. Corgi’s reviewed content does not name an issuer; HUB’s product page also does not name the carrier for a given placement. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") ### Filings and Coverages Named Corgi describes MCS-90 and required state filings issued at bind, with advertised liability up to $1 million and SIR options. HUB lists long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, and lease gap, plus property damage and bodily injury. HUB’s reviewed page does not mention MCS-90; Corgi’s metadata does not list towing or lease gap. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") ### Risk Tools and Access HUB says it uses complex risk and analytics to benchmark programs and reduce total cost of risk, and it cross-promotes Fleet Risk Management and Workplace Safety Management. Corgi’s reviewed trucking pages do not describe those analytics or safety programs. HUB starts with contacting a broker; Corgi presents the line on a dedicated trucking auto-liability page. [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") ## What to Confirm in Commercial Auto Insurance Quotes - Ask both who issues the policy, since neither reviewed page names the insurer. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") - Match Corgi’s $1 million / SIR figures against HUB’s unpublished limits and any SIR or deductible on the quote. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") - If you haul, ask HUB whether long-haul or short-haul wording applies, and ask Corgi whether MCS-90 and state filings are on the form at bind. [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") - Ask HUB which fleet-risk services are included, and whether Corgi’s placement includes any comparable safety work. [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") ## Offering Details | Criteria | Corgi Trucking Commercial Auto Liability | HUB International Commercial Auto Insurance Brokerage | | --- | --- | --- | | 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. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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..) | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer..) | | 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. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") (Evidence: Not publicly disclosed; scope: 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..) | The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Not found in reviewed sources; scope: Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there..) | | Who It’s For | Not described in the reviewed sources. | HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page description; not a published underwriting appetite by fleet size or vehicle class..) | | 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. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") (Evidence: Company-reported; scope: 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..) | HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..) | | Limits and Retentions | Corgi advertises commercial auto liability limits up to $1 million, with self-insured retention (SIR) options. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") (Evidence: Company-reported; scope: 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. | | Risk Services | Not described in the reviewed sources. | HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability, not an independently assessed outcome..) | | How to Apply | Not described in the reviewed sources. | HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | ## Full Comparison - [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto insurance can cover your business's liability on the road and damage to the vehicles you insure. - [Corgi vs HUB International Business Owner’s Policy](https://spot.insure/compare/corgi-vs-hub-international/business-owners-policy) - [Corgi vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-hub-international/cargo-transit) - [Corgi vs HUB International Crime Insurance](https://spot.insure/compare/corgi-vs-hub-international/crime) - [Corgi vs HUB International Cyber Insurance](https://spot.insure/compare/corgi-vs-hub-international/cyber) - [Corgi vs HUB International D&O Insurance](https://spot.insure/compare/corgi-vs-hub-international/directors-officers) - [Corgi vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/employment-practices) - [Corgi vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/fiduciary) - [Corgi vs HUB International General Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/general-liability) - [Corgi vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto) - [Corgi vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-hub-international/medical-malpractice) - [Corgi vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-hub-international/professional-errors-omissions) - [Corgi vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-hub-international/representations-warranties) - [Corgi vs HUB International Tech E&O Insurance](https://spot.insure/compare/corgi-vs-hub-international/technology-errors-omissions) - [Corgi vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/umbrella-excess) - [Corgi vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-hub-international/workers-compensation) - [Alliance Risk vs Corgi Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/commercial-auto) - [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto) - [Chubb vs Corgi Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-corgi/commercial-auto) - [Chubb vs HUB International Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-auto) - [Corgi vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-coverdash/commercial-auto) - [Corgi vs Embroker Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-embroker/commercial-auto) ## Sources ### Corgi 1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). 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. 2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). 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. 3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15. 4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15. 5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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. 6. [Commercial Auto Liability | Corgi Trucking Insurance](https://trucking.corgi.insure/insurance/auto-liability). 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. ### HUB International 7. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 9. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16. 10. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker. Accessed 2026-09-23. ### Commercial Auto Insurance Guide 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/corgi-vs-hub-international/commercial-auto.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)