---
title: "Corgi vs The Hartford: Commercial Auto Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-the-hartford/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-the-hartford"
provider-a: "corgi"
provider-b: "the-hartford"
coverage-line: "commercial-auto"
---

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and The Hartford for Commercial Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Auto Insurance questions about Corgi versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs The Hartford for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, Corgi or The Hartford?
- What does Corgi or The Hartford publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: Corgi and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford) — all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 targets trucking with MCS-90; The Hartford offers a broader small-business coverage menu through agencies or Tivly.

## Corgi vs The Hartford Commercial Auto Insurance Summary

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](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## 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](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](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. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](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. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## 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](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](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. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](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. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](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. [3](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance")

## Corgi vs The Hartford Commercial Auto Insurance Compared

| 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. [1](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. [3](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..) |
| 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. [1](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. [3](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..) |
| 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](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. [3](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |

## About Corgi and The Hartford and Commercial Auto Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto)

## Related Pages for Corgi vs The Hartford Commercial Auto Insurance

- [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 covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [Corgi Commercial Auto Insurance](https://spot.insure/insurance-providers/corgi/commercial-auto)
- [The Hartford Commercial Auto Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-auto)

## Sources for Corgi vs The Hartford Commercial Auto Insurance

### Sources About Corgi

1. [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.
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.

### Sources About The Hartford

3. [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.

Updated 2026-09-29. 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-the-hartford/commercial-auto.md)
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- [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)