CNA vs The Hartford: Commercial Auto Insurance

The Hartford sends small businesses to a local agency or Tivly for quotes; CNA lists liability, physical damage and an executive Drive Other Car endorsement, which The Hartford also lists alongside rental car cover.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

CNA describes owned, hired and non-owned vehicle liability with physical damage and driver programs. The Hartford lists liability, collision, comprehensive, rental-car and executive-drive-other-car options for several vehicle types.

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 for Businesses | CNA Insurance

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

  3. 03
    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

  4. 04
    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

  5. 05
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

  6. 06
    Commercial Auto Insurance Coverage

    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

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

Coverage Menu and Vehicle Fit

CNA identifies liability for owned, hired and non-owned business autos, physical damage and an optional Drive Other Car endorsement. The Hartford lists bodily injury and property damage liability, collision, comprehensive, medical payments, uninsured/underinsured motorist and rental-car coverage; it names vans, trucks, pickups and service utility vehicles among eligible vehicle types. Its listed exclusions include accidents in an employee's personal car for personal reasons. If staff use personal vehicles on work trips, ask how the Hartford policy and any separate hired/non-owned cover respond. [2] [6] [6]

Fleet Support and Quote Route

CNA names Driver Distractions/Cargo Securement programs. The Hartford says its small-business commercial-auto product is not sold online and routes buyers to a local agency or Tivly partner. The buyer gets an agent-assisted route rather than self-serve purchase, alongside CNA's named prevention resources. [2] [6]

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

  • Ask The Hartford which insurer, limits and deductibles apply to your vehicle mix. [6]
  • Ask CNA to confirm rental vehicles, employee autos and endorsement scope. [2]

Coverage topics

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 ↗

The Hartford

  • role: 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. Commercial auto product page as read 2026-09-23.company-reportedSource ↗
  • coverage: 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. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls.company-reportedSource ↗
  • eligibility: 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. Commercial auto product page as read 2026-09-23.company-reportedSource ↗
  • application: 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. Commercial auto product page as read 2026-09-23.company-reportedSource ↗
  • limits: 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. Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit.company-reportedSource ↗

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