Hub International vs The Hartford: Commercial Auto Insurance

HUB International brokers fleets and transportation providers and describes no online quote flow; The Hartford does not sell commercial auto online to small businesses, directing them to a local agency or Tivly.

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

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 ↗

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 ↗

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

Small-Business Options vs. Fleet Services

The Hartford lists liability, medical, physical-damage, rental and executive drive-other-car coverage and reports about $574 average monthly cost; it does not sell this line online to small businesses. Choose The Hartford if those coverage options fit and agency buying works; choose HUB if your fleet needs towing, lease-gap or haul options. [6] [2]

Haul Options Versus Drive-Other-Car

HUB lists long- and short-haul transportation, hired and non-owned auto, uninsured motorists, medical payments, towing and lease gap. The Hartford lists bodily injury and property damage liability, drive-other-car for executives, collision, comprehensive, medical payments, uninsured motorists and rental car coverage, and excludes unrelated medical bills, vehicle contents and personal-reason accidents in an employee’s personal car. Towing and lease gap appear on HUB’s list; drive-other-car appears on The Hartford’s. [2] [6]

Who Each Page Names

HUB speaks to fleet and transportation providers and offers analytics plus Fleet Risk Management. The Hartford names beauty shops, consulting, photography, retail, technology and restaurants, plus cargo vans, box trucks and service utility trucks, and reports about $574 a month as a customer average. HUB publishes no average premium. [2] [6]

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

  • Confirm The Hartford path (agency versus Tivly) and HUB’s selected insurer. [6] [2]
  • Ask for drive-other-car on The Hartford quote and towing or lease gap on HUB’s. [6] [2]
  • Do not treat $574 a month as your Hartford rate; HUB has no published average. [6]
  • If you haul for hire, confirm HUB’s long-haul markets; The Hartford’s named trades are retail and service, not motor carrier. [2] [6]

HUB serves fleets with haul, towing and lease-gap options; The Hartford lists drive-other-car and a broader auto menu, with small-business sales through agencies or Tivly.

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

    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

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