Hub International vs Techinsurance: Commercial Auto Insurance

HUB International targets fleets and transportation providers and asks you to contact a broker; TechInsurance reports a median of $245 a month and lists exclusions like rented vehicles.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-25

HUB lists haul, hired/non-owned and fleet options; TechInsurance describes auto for business-registered vehicles, reports a $245 monthly median and flags hired/non-owned needs.

What Are the Key Differences Between HUB International and TechInsurance Commercial Auto Insurance?

Fleet Haul Options vs. Owned-Vehicle Price Benchmark

TechInsurance says almost every state requires commercial auto for business-registered vehicles and reports a median premium of $245 per month. Choose TechInsurance if you own registered business vehicles and want a price benchmark; choose HUB if you operate a fleet needing long- or short-haul options and analytics. [2] [6]

Hired and Non-Owned Auto on Each Page

HUB lists hired and non-owned auto among commercial auto coverage options, along with uninsured motorists, medical payments, towing and lease gap. TechInsurance treats personal, leased or rented work vehicles as outside commercial auto and says they need hired and non-owned auto insurance, and also excludes a newly purchased unscheduled vehicle and garage-keepers exposures. HUB presents hired and non-owned as part of the auto conversation; TechInsurance presents it as a different product. [2] [6]

What Each Page Says About Price

TechInsurance says its commercial auto customers pay a median of $245 per month, with the figure depending on vehicle count and type, driving records, options, claims history, deductibles and limits. HUB’s commercial auto page does not publish premiums, deductibles or liability amounts. Treat the $245 figure as TechInsurance’s own book median, not a rate HUB has disclosed. [6] [2]

What Should You Confirm in HUB International and TechInsurance Commercial Auto Insurance Quotes?

  • Ask whether hired and non-owned auto is included, endorsed or quoted as its own policy on each side. [2] [6]
  • Treat TechInsurance’s $245 median as its book figure; ask HUB for a comparable premium at the same limits. [6] [2]
  • If you run long haul, confirm HUB’s markets and whether TechInsurance’s owned-vehicle product applies. [2] [6]
  • Get the issuing insurer from both quotes. [2] [6]

Coverage topics

HUB International

  • role: HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. Product-page coverage list; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. Product-page description; not a published underwriting appetite by fleet size or vehicle class.company-reportedSource ↗
  • services: HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. Product-page service description; a company-reported capability, not an independently assessed outcome.company-reportedSource ↗
  • insurer: The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • application: HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. Product-page call to action as read 2026-09-23.company-reportedSource ↗

TechInsurance

  • role: TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. Commercial auto product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a commercial auto policy. Commercial auto product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. Commercial auto product page; general policy description, not a specific policy form.company-reportedSource ↗
  • coverage: TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). Commercial auto product page, What isn't covered section.company-reportedSource ↗
  • eligibility: TechInsurance says all states except New Hampshire require commercial auto insurance for vehicles registered to a business, with most states also setting minimum liability, and in some cases uninsured/underinsured motorist, coverage amounts. Commercial auto product page, Are you required by law to purchase commercial auto insurance? section.company-reportedSource ↗
  • limits: TechInsurance says its commercial auto customers pay a median of $245 per month, with the exact premium depending on number and type of vehicles, employee driving records and demographics, coverage options selected, claims history, and policy deductible and limits. Commercial auto product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗

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 Broker Policy & Coverage

    HUB International · Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker · accessed 2026-09-23

  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 for a Small Business

    TechInsurance · What does commercial auto liability insurance cover? (bodily injury/property damage liability, medical payments/PIP, uninsured motorists, collision/comprehensive); How much does commercial auto insurance cost?; Are you required by law to purchase commercial auto insurance?; Who does a commercial auto policy insure? · accessed 2026-09-23

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