Corgi vs 
The Hartford: How Do They Compare for Commercial Auto Insurance?
The Hartford sends small businesses to a local agency or Tivly and reports average costs near $574 a month; Corgi advertises trucking auto liability limits up to $1 million with an MCS-90 endorsement (a federal filing for motor carriers).
Corgi lists trucking liability with MCS-90 and up to $1 million limits; The Hartford describes small-business auto options including executive drive-other-car, but sells through agencies or Tivly. 1,3
What Are the Key Differences Between Corgi and The Hartford Commercial Auto Insurance?
Small-Business Coverage Menu vs. Trucking Filings
The Hartford lists bodily-injury and property-damage liability, drive-other-car, collision, comprehensive, medical payments and uninsured/underinsured motorist. Its small-business auto is not sold online. Choose The Hartford if your company needs those broader options; choose Corgi if you need MCS-90 and trucking state filings at bind. 1 3
Who It Targets and How You Buy
Corgi targets trucking operators. The Hartford names industries such as beauty shops, consulting, photography, retail, technology, and restaurants, and vehicle types including cars, cargo vans, trucks, pickups, box trucks, and service utility trucks. The Hartford does not currently sell this coverage online for small businesses and points you to a local agency or partner Tivly; Corgi presents a dedicated trucking auto-liability page. 1 3
Limit Figure Versus Average Cost
Corgi advertises liability up to $1 million with SIR options. The Hartford reports average commercial auto costs of about $574 a month ($6,884 a year) for its customers and does not publish standard liability limits, which it says depend on business type, vehicles, driving records, cargo, and location. 1 3
What Should You Confirm in Corgi and The Hartford Commercial Auto Insurance Quotes?
- Ask Corgi who issues the trucking policy, and confirm on a Hartford quote that The Hartford is the insurer for your vehicles and state. 1 3
- Match Corgi’s limit and SIR against Hartford’s unpublished limits and how your premium compares with the $574 monthly average. 1 3
- Confirm MCS-90 and state filings on Corgi if you are a motor carrier; ask Hartford whether those filings are available through the agency or Tivly path. 1 3
- Ask Hartford whether drive-other-car and rental-car coverage are included; Corgi’s metadata does not list those options. 3 1
Corgi vs The Hartford Commercial Auto Insurance Compared
Corgi vs The Hartford: Commercial Auto Insurance: documented features by provider
| Criteria | Corgi Trucking Commercial Auto Liability | The Hartford Commercial Auto Insurance |
|---|---|---|
| Limits and Retentions | Corgi advertises commercial auto liability limits up to $1 million, with self-insured retention (SIR) options. 1Company-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. | The Hartford reports average commercial auto costs of about $574 a month ($6,884 a year) for its customers; the page does not publish standard liability limits, which it says depend on business type, vehicle type, driving records, cargo and location. 3Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit. |
| 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. | The Hartford lists common commercial auto coverage options: bodily injury liability, property damage liability, drive-other-car coverage for executives, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental car coverage. It excludes unrelated medical expenses, contents inside the vehicle, accidents in an employee's personal vehicle for personal reasons, and rental-vehicle repair costs while a company vehicle is being fixed. 3Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. | The Hartford's commercial auto insurance helps cover property damage and medical expenses when a business or its employees cause an accident using company vehicles. 3Company-reported. Commercial auto product page as read 2026-09-23. |
