What Are the Key Differences Between The Hartford and Travelers Commercial Auto Insurance?
Published Limits and Service Options
The Hartford directs small businesses to a local agency or Tivly and lists drive-other-car for executives and rental coverage. Travelers also sells through independent agents, lists CoveragePlus and roadside assistance, and publishes liability up to $1 million. [5] [6]
Published Limits Versus Average Premium
Travelers advertises liability coverage of up to $1 million for bodily injury and property damage to others. The Hartford does not publish standard liability limits and instead reports average commercial auto costs of about $574 a month ($6,884 a year) for its customers, with limits depending on business type, vehicles, driving records, cargo and location. [5] [6]
Optional Coverages Each Carrier Names
Both list liability, collision, comprehensive and uninsured or underinsured motorist cover. Travelers adds Select Auto CoveragePlus (auto lease gap, employee hired auto, blanket additional insured) and separate hired and non-owned auto. The Hartford lists drive-other-car coverage for executives and rental car coverage, and it excludes unrelated medical expenses, contents in the vehicle and personal use of an employee’s personal vehicle. [5] [6]
Industries, Vehicles and Risk Control
The Hartford names beauty shops, consulting, photography, retail, technology and restaurants, and vehicles from cars to box trucks. Travelers names passenger vehicles, vans, light and heavy trucks, trailers, fleets and specialty vehicles, plus public-sector, oil and gas, and Northland trucking versions. Travelers also says commercial auto customers can use more than 600 Risk Control consultants, a dedicated Claim team and Roadside Assistance Coverage; The Hartford’s reviewed auto page does not describe those services. [5] [6]
What Should You Confirm in The Hartford and Travelers Commercial Auto Insurance Quotes?
- Ask Travelers whether the quote uses the advertised $1 million liability limit and which CoveragePlus and hired/non-owned auto options apply. [6]
- Ask The Hartford for the actual liability limits and whether drive-other-car and rental coverage are included. [5]
- Confirm the buying path: independent Travelers agent versus Hartford agency or Tivly. [5] [6]
- Compare deductibles, fleet eligibility (including Northland trucking) and roadside assistance. [6] [5]