Hub International vs Travelers: Commercial Auto Insurance

Both support fleets: HUB International brokers long- and short-haul options through a broker conversation, while Travelers sells standalone commercial auto through independent agents with limits up to $1 million.

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

HUB lists long/short-haul, hired/non-owned and fleet analytics; Travelers offers standalone auto up to $1 million with CoveragePlus and roadside assistance.

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 | Get A Quote | Travelers Insurance

    Travelers · What is commercial auto insurance?; What does commercial auto insurance cover?; Protect your business on the road (liability, physical damage, collision, comprehensive); Additional coverage options (Select Auto CoveragePlus); commercial auto FAQ · accessed 2026-09-23

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

Published Limit vs. Fleet Coverage Menu

Travelers sells commercial auto through independent agents and offers CoveragePlus and roadside assistance. Choose Travelers if the published $1 million limit and standalone policy fit; choose HUB if you need fleet options such as long/short-haul, towing or lease gap. [6] [2]

Coverage Options on Each List

Travelers covers liability, physical damage to owned, leased, hired or borrowed vehicles, collision, comprehensive and uninsured drivers, and sells Select Auto CoveragePlus items such as lease gap, employee hired auto and blanket additional insured, plus hired and non-owned auto. HUB lists long- and short-haul transportation, hired and non-owned auto, uninsured motorists, medical payments, towing and lease gap. Lease gap and hired auto appear on both menus; Travelers names CoveragePlus endorsements, HUB names haul length and towing. [6] [2]

Risk Control and Related Services

Travelers says commercial auto customers can draw on more than 600 Risk Control consultants, a dedicated Claim team and Travelers Roadside Assistance Coverage. HUB says it applies risk and analytics tools to benchmark programs and reduce total cost of risk, and points commercial auto clients to Fleet Risk Management and Workplace Safety Management. Both describe extra services around the placement, not the same named tools. [6] [2]

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

  • Compare Travelers’ quoted limit with HUB’s market, including the advertised $1 million figure. [6] [2]
  • Ask whether HUB would place Travelers or another carrier, and which CoveragePlus items apply. [2] [6]
  • If you truck for hire, ask Travelers about Northland and HUB about long-haul markets. [6] [2]
  • Clarify roadside assistance (Travelers) versus fleet analytics (HUB) as separate services. [6] [2]

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 ↗

Travelers

  • role: Travelers underwrites commercial auto insurance as a standalone policy; it is not included in a Travelers Business Owner's Policy and must be purchased separately. Commercial auto product page.company-reportedSource ↗
  • coverage: Travelers says the policy covers liability for bodily injury and property damage, physical damage to owned, leased, hired or borrowed vehicles, collision, comprehensive, and damages caused by uninsured or underinsured drivers. Product page "What does commercial auto insurance cover?" and "Protect your business on the road" sections; exclusions and state variation apply.company-reportedSource ↗
  • limits: Travelers advertises liability coverage limits of up to $1 million for bodily injury and property damage to others; other limits and deductibles are not published and depend on the quote. Product page "Protect your business on the road" section.company-reportedSource ↗
  • eligibility: Travelers covers passenger vehicles, vans, light and heavy trucks, truck trailers, vehicle fleets and specialty vehicles, and offers industry-specific versions for the public sector, oil and gas, and trucking (through its Northland division). Product page FAQ and industry-specific coverage sections.company-reportedSource ↗
  • coverage: Travelers offers optional Select Auto CoveragePlus enhancements, including auto lease gap coverage, employee hired auto coverage and blanket additional insured coverage, plus separate hired and non-owned auto coverage for rented or employee-owned vehicles used for work. Product page "Additional coverage options" and "Hired and non-owned auto coverage" sections.company-reportedSource ↗
  • application: You buy commercial auto insurance through a Travelers independent agent, who reviews business operations and vehicles to select coverage. Product page "How do I purchase commercial auto insurance?" FAQ.company-reportedSource ↗
  • services: Travelers says commercial auto customers can draw on more than 600 Risk Control consultants and a dedicated Claim team, plus Travelers Roadside Assistance Coverage. Product page Risk Control, Claim and Roadside Assistance sections.company-reportedSource ↗

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