Corgi vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance?

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. ^6,2Company-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.

THREE presents Business Auto as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. ⁹Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.

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. ⁶Not publicly disclosed. 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 linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁸Company-reported. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy.

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The reviewed product page does not state separate eligibility rules for Business Auto; the general quote and advisor route is not proof that a particular business qualifies for it. ^9,7Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

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. ⁶Company-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.

THREE's Business Owners Policy page lists Business Auto among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. ^9,8Company-reported. Official THREE package marketing for Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

Corgi advertises commercial auto liability limits up to $1 million, with self-insured retention (SIR) options. ⁶Company-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 reviewed public product page does not state a separate limit or deductible for Business Auto; THREE says the quote-specific insurance summary lists limits and deductibles. ^9,8Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

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THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁷Company-reported. This is the route for the overall THREE product. It does not show whether Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy.