What Are the Key Differences Between Alliance Risk and Chubb Commercial Auto Insurance?
Fleet Help vs. a Bundled Chubb Policy
With Alliance Risk you get a broker who analyses how your vehicles are used and can wire in telematics, GPS tracking and driver-safety programs, which matters most if you run trucks for contracting, logistics or delivery. With Chubb the insurer is known up front, and you can add auto to a Chubb business owner's policy instead of buying it separately. Choose Alliance Risk if you run a working fleet and want safety programs; choose Chubb if you already carry, or want, a Chubb package. [2] [4]
Published Prices vs. Published Limits
Alliance Risk is the only one of the two to publish prices: typically $1,200–$2,400 per vehicle a year for small businesses and $3,000–$10,000+ for larger fleets, but no limits. Chubb publishes no price; bundled through its Total Account Solution, auto includes personal injury protection and uninsured/underinsured motorist limits up to $1 million. [2] [5]
Built-In Extras
Chubb's Broad Form endorsement adds fellow-employee coverage where allowed, rented-auto coverage for employees and loan/lease gap; its High Value Vehicle endorsement pays agreed value on expensive cars. Alliance Risk lists hired and non-owned auto as optional and offers claims advisors after an accident. [4] [2]
What Should You Confirm in Alliance Risk and Chubb Commercial Auto Insurance Quotes?
- Ask Alliance Risk which insurer issues your policy; its page doesn't say. [2]
- Ask whether telematics or a driver-safety program is a condition of Alliance Risk's price. [2]
- Ask Chubb whether your quote is standalone or part of the Total Account Solution, since the published $1 million PIP and UM/UIM limits come from the bundle. [5]
- Check that both quotes include hired and non-owned auto if staff drive their own or rented cars. [2] [4]