Chubb vs CNA: Commercial Auto Insurance

Chubb underwrites commercial auto standalone or with a business owner's policy across named industries, with broad-form enhancements; CNA covers owned, hired and non-owned vehicles with driver-distraction programs.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-10-01

What Are the Key Differences Between Chubb and CNA Commercial Auto Insurance?

Endorsements and vehicle financing

Chubb describes revised multi-state forms and a Commercial Auto Broad Form Endorsement with rented-auto and fellow-employee enhancements where allowed, plus auto loan/lease gap coverage. CNA lists automobile liability and physical damage, with an optional Drive Other Car endorsement for executives. Ask which specific endorsements and limits are included on the quote and how leased vehicles are treated. [2] [4]

Risk services and buying route

Chubb connects clients with outside risk-management experts through GL Plus Risk Consulting and offers online quote access or an appointed agent/broker route. CNA names Driver Distractions and Cargo Securement programs and claims support. Compare the fleet services available to your operation and confirm whether Chubb’s risk resources or CNA’s programs are included with the proposed commercial-auto policy. [2] [4]

What Should You Confirm in Chubb and CNA Commercial Auto Insurance Quotes?

  • Does the Chubb form include rented-auto, lease-gap, or fellow-employee protections for your fleet? [2] [4]
  • Which driver-safety and cargo-securement services are available with each quote? [2] [4]

Coverage topics

Chubb

  • role: Chubb underwrites commercial auto insurance directly, sold standalone or as an add-on within its Total Account Solution alongside a Chubb BOP. Commercial Auto product page and workers'-compensation Total Account Solution section.company-reportedSource ↗Source ↗
  • eligibility: Chubb lists the industries it serves for commercial auto, including manufacturing, climate tech, natural resources, financial services, professional services, technology, life sciences, media and entertainment, federal contractors, oil and gas, and wholesalers/distributors. Commercial Auto "Who we serve" list.company-reportedSource ↗
  • coverage: Chubb uses ISO's revised multi-state forms and offers a Commercial Auto Broad Form Endorsement with enhancements such as broad form insured, fellow employee coverage where allowed, rented-auto coverage for employees, and auto loan/lease gap coverage. A High Value Vehicle endorsement provides agreed value for highly valued private passenger vehicles. Commercial Auto product page coverage-highlights list; availability depends on the issued policy and state.company-reportedSource ↗
  • limits: When bundled through Chubb's small-business Total Account Solution, commercial auto includes personal injury protection and uninsured/underinsured motorist limits up to $1 million. The standalone commercial auto page does not publish its own limit figures. Workers'-compensation Total Account Solution section for the bundled small-business version; the dedicated commercial-auto page does not repeat these limits.company-reportedSource ↗
  • services: Chubb's GL Plus Risk Consulting connects commercial auto clients with outside risk-management experts, and Chubb publishes fleet-safety materials for transportation risks. Commercial Auto product page Risk Consulting section.company-reportedSource ↗
  • application: You can request a business insurance quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. Commercial Auto product page quote call-to-action.company-reportedSource ↗

CNA

  • coverage: CNA commercial auto covers business-use owned, hired and non-owned vehicles for bodily injury/property damage. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA lists automobile liability and physical damage, and an optional Drive Other Car endorsement for executives. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA names Driver Distractions/Cargo Securement programs and claims support. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

Chubb lists broad-form insured, fellow-employee, rented-auto, and auto loan/lease-gap enhancements; CNA lists liability and physical damage with optional Drive Other Car.

Source material

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Commercial Automobile: Coverage, Classification and Limits · accessed 2026-09-16

  2. 02
    Commercial Auto Insurance

    Chubb · Coverage highlights: ISO multi-state forms, Commercial Auto Broad Form Endorsement, High Value Vehicle endorsement; Who we serve industry list; Chubb Risk Consulting · accessed 2026-09-23

  3. 03
    Workers' Compensation Insurance for Small Business

    Chubb · Total Account Solution section: commercial auto with personal injury protection and uninsured/underinsured motorist limits up to $1M · accessed 2026-09-23

  4. 04
    Commercial Auto Insurance for Businesses | CNA Insurance

    CNA · Coverages, endorsements, risk control, claims · accessed 2026-09-28

  5. 05
    Business Vehicle Insurance

    Insurance Information Institute · Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy · accessed 2026-09-16

  6. 06
    Business Auto Coverage Form

    Insurance Services Office, Inc.; hosted by National General · I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6 · accessed 2026-09-16

  7. 07
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

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