---
title: "Corgi vs TechInsurance Commercial Auto Insurance"
description: "Corgi lists MCS-90 and $1M trucking limits; TechInsurance describes BI/PD, MedPay or PIP, UM, and a $245 median monthly premium."
canonical: "https://spot.insure/compare/corgi-vs-techinsurance/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-techinsurance/commercial-auto)

# Corgi vs TechInsurance Commercial Auto Insurance

Corgi lists MCS-90 and $1M trucking limits; TechInsurance describes BI/PD, MedPay or PIP, UM, and a $245 median monthly premium.

## Research Scope and Use

Use this comparison to evaluate Corgi and TechInsurance 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’s trucking commercial auto liability includes MCS-90, bind-time state filings, limits up to $1 million, and SIR options. TechInsurance describes bodily-injury and property-damage liability, MedPay or PIP where required, uninsured-motorist coverage, optional collision and comprehensive, and a company-reported median premium of $245 a month. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business")

## 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [7](https://www.techinsurance.com/about-us "About TechInsurance") [8](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Commercial Auto Insurance?

Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Commercial Auto Insurance

### Motor-Carrier Filings Versus Small-Business Policy Menu

Corgi describes commercial auto liability for trucking operators with MCS-90 and required state filings at bind. TechInsurance arranges commercial auto for businesses that own vehicles and lists bodily injury and property damage liability, medical payments or PIP where required, uninsured-motorist coverage, and optional collision and comprehensive. TechInsurance’s reviewed page does not mention MCS-90. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business")

### Liability Limits Each Page Discloses

Corgi advertises commercial auto liability limits up to $1 million with SIR options. TechInsurance’s reviewed page does not publish liability-limit amounts; it reports a median premium of $245 a month and says the exact premium depends on vehicles, driving records, coverage options, claims history, deductible, and limits. Neither reviewed page names the issuing insurer. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business")

### Vehicles TechInsurance Says Sit Outside the Form

TechInsurance says commercial auto does not cover personal, leased, or rented vehicles used for work (those need hired and non-owned auto), a newly purchased vehicle not yet added, or damage to a customer’s vehicle in the business’s care (garage keepers). Corgi’s reviewed metadata does not list those exclusions. Corgi’s pages also do not describe hired-and-non-owned auto as a separate coverage. [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [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; neither reviewed page names the insurer. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business")
- Compare Corgi’s limit and SIR with TechInsurance’s deductible, limits, and how your premium sits versus the $245 median. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business")
- Confirm MCS-90 and state filings on Corgi if you need motor-carrier documents; ask TechInsurance whether those filings are available. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business")
- If you use hired, rented, or customer vehicles, ask TechInsurance about hired/non-owned auto and garage keepers, which Corgi’s metadata does not address. [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance")

## Offering Details

| Criteria | Corgi Trucking Commercial Auto Liability | TechInsurance Commercial Auto Insurance |
| --- | --- | --- |
| 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..) | TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page..) |
| 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 reviewed page does not name the issuing insurer for a commercial auto policy. [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Not publicly disclosed; scope: Commercial auto product page as read on 2026-09-23..) |
| Who It’s For | Not described in the reviewed sources. | TechInsurance says all states except New Hampshire require commercial auto insurance for vehicles registered to a business, with most states also setting minimum liability, and in some cases uninsured/underinsured motorist, coverage amounts. [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page, Are you required by law to purchase commercial auto insurance? section..) |
| 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..) | TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page; general policy description, not a specific policy form..)<br><br>TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page, What isn't covered section..) |
| 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..) | TechInsurance says its commercial auto customers pay a median of $245 per month, with the exact premium depending on number and type of vehicles, employee driving records and demographics, coverage options selected, claims history, and policy deductible and limits. [9](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |

## Full Comparison

- [Corgi vs TechInsurance](https://spot.insure/compare/corgi-vs-techinsurance): 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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/corgi-vs-techinsurance/business-owners-policy)
- [Corgi vs TechInsurance Cyber Insurance](https://spot.insure/compare/corgi-vs-techinsurance/cyber)
- [Corgi vs TechInsurance D&O Insurance](https://spot.insure/compare/corgi-vs-techinsurance/directors-officers)
- [Corgi vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-techinsurance/employment-practices)
- [Corgi vs TechInsurance General Liability Insurance](https://spot.insure/compare/corgi-vs-techinsurance/general-liability)
- [Corgi vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-techinsurance/professional-errors-omissions)
- [Corgi vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/corgi-vs-techinsurance/technology-errors-omissions)
- [Corgi vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-techinsurance/umbrella-excess)
- [Corgi vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Corgi Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/commercial-auto)
- [Alliance Risk vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/commercial-auto)
- [Chubb vs Corgi Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-corgi/commercial-auto)
- [Chubb vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-techinsurance/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.

### TechInsurance

7. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
8. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
9. [Commercial Auto Insurance Coverage for a Small Business](https://www.techinsurance.com/commercial-auto-insurance). TechInsurance; What does commercial auto liability insurance cover? (bodily injury/property damage liability, medical payments/PIP, uninsured motorists, collision/comprehensive); How much does commercial auto insurance cost?; Are you required by law to purchase commercial auto insurance?; Who does a commercial auto policy insure?. Accessed 2026-09-23.

### Commercial Auto Insurance Guide

10. [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-techinsurance/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)