---
title: "Corgi vs The Hartford Commercial Auto Insurance"
description: "Corgi cites MCS-90 and $1M trucking limits; The Hartford lists small-business auto options and sells only through agencies or Tivly, not online."
canonical: "https://spot.insure/compare/corgi-vs-the-hartford/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Corgi vs The Hartford Commercial Auto Insurance

Corgi cites MCS-90 and $1M trucking limits; The Hartford lists small-business auto options and sells only through agencies or Tivly, not online.

## Research Scope and Use

Use this comparison to evaluate Corgi and The Hartford 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, state filings at bind, limits up to $1 million, and SIR options. The Hartford describes bodily-injury and property-damage liability plus drive-other-car, collision, comprehensive, and related options, and says it does not currently sell commercial auto online for small businesses. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [7](https://www.thehartford.com/legal-notice "Legal Notice") [8](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [9](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## 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 Filings Versus Named Coverage Options

Corgi describes commercial auto liability for trucking operators, including MCS-90 and required state filings at bind. The Hartford lists bodily injury liability, property damage liability, drive-other-car coverage for executives, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental car coverage, and it names exclusions such as unrelated medical expenses and contents inside the vehicle. The Hartford’s reviewed page does not mention MCS-90. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

### 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. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

### 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. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## What to Confirm in 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. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- Match Corgi’s limit and SIR against Hartford’s unpublished limits and how your premium compares with the $574 monthly average. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- 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. [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- Ask Hartford whether drive-other-car and rental-car coverage are included; Corgi’s metadata does not list those options. [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [6](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance")

## Offering Details

| Criteria | Corgi Trucking Commercial Auto Liability | The Hartford 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..) | 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. [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |
| 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..) | Not described in the reviewed sources. |
| Who It’s For | Not described in the reviewed sources. | The Hartford says coverage requirements vary by state, and names industries it targets: beauty shops, consulting, photography, retail, technology and restaurants; covered vehicle types include cars, commercial cargo vans, commercial trucks, pickup trucks, box trucks and service utility trucks. [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |
| 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..) | 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. [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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..) | 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. [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit..) |
| How to Apply | Not described in the reviewed sources. | The Hartford does not currently sell commercial auto coverage online for small businesses; it directs buyers to a local agency or to its partner Tivly for a quote instead of a self-serve online flow. [10](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |

## Full Comparison

- [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford): 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 The Hartford Business Owner’s Policy](https://spot.insure/compare/corgi-vs-the-hartford/business-owners-policy)
- [Corgi vs The Hartford Crime Insurance](https://spot.insure/compare/corgi-vs-the-hartford/crime)
- [Corgi vs The Hartford Cyber Insurance](https://spot.insure/compare/corgi-vs-the-hartford/cyber)
- [Corgi vs The Hartford D&O Insurance](https://spot.insure/compare/corgi-vs-the-hartford/directors-officers)
- [Corgi vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-the-hartford/employment-practices)
- [Corgi vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-the-hartford/fiduciary)
- [Corgi vs The Hartford General Liability Insurance](https://spot.insure/compare/corgi-vs-the-hartford/general-liability)
- [Corgi vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-the-hartford/hired-non-owned-auto)
- [Corgi vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-the-hartford/professional-errors-omissions)
- [Corgi vs The Hartford Tech E&O Insurance](https://spot.insure/compare/corgi-vs-the-hartford/technology-errors-omissions)
- [Corgi vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Corgi Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/commercial-auto)
- [Alliance Risk vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-auto)
- [Chubb vs Corgi Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-corgi/commercial-auto)
- [Chubb vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-the-hartford/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.

### The Hartford

7. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
8. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
9. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
10. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Banner: The Hartford does not currently offer this coverage online for small businesses; What Does Commercial Auto Insurance Cover?; What Is Not Covered?; What Types of Vehicles Are Covered?; Do I Need Commercial Auto Insurance?; How Much Does Commercial Auto Insurance Cost?. 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.

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