Chubb vs Embroker Commercial Auto Insurance

Chubb underwrites commercial auto insurance directly, sold standalone or as an add-on within its Total Account Solution alongside a Chubb BOP. ^4,5Company-reported. Commercial Auto product page and workers'-compensation Total Account Solution section.

Embroker sells commercial auto as a standalone policy that can also be added onto a Business Owners Policy, covering the business, its employees, and other hired or borrowed drivers. ⁹Company-reported. Product-page description; not a statement about the issuing insurer.

Chubb lists the industries it serves for commercial auto, including manufacturing, climate tech, natural resources, financial services, professional services, technology, life sciences, media and entertainment, federal contractors, oil and gas, and wholesalers/distributors. ⁴Company-reported. Commercial Auto "Who we serve" list.

Embroker says the coverage is for businesses that own, lease or hire vehicles for work purposes, including passenger cars, vans, pickups, SUVs and larger commercial vehicles, and notes personal auto policies typically exclude business use. ⁹Company-reported. Product-page 'Who Is It For?' and vehicle-type sections; not a guarantee of coverage for a particular fleet.

Embroker says required coverage amounts are set by state or federal law and vary based on vehicle weight, passenger capacity, and whether the vehicle carries hazardous materials. ⁹Company-reported. Product-page 'Commercial Auto Insurance Requirements By State' section; specific state requirements were not independently verified.

Chubb uses ISO's revised multi-state forms and offers a Commercial Auto Broad Form Endorsement with enhancements such as broad form insured, fellow employee coverage where allowed, rented-auto coverage for employees, and auto loan/lease gap coverage. A High Value Vehicle endorsement provides agreed value for highly valued private passenger vehicles. ⁴Company-reported. Commercial Auto product page coverage-highlights list; availability depends on the issued policy and state.

Embroker lists property and bodily injury liability, medical payments, and collision coverage as base commercial auto coverages, with common endorsements including comprehensive, uninsured motorist, hired and non-owned auto, and roadside assistance. ⁹Company-reported. Product-page 'What Does Business Auto Insurance Cover?' section; the issued policy and declarations control.

Embroker says the policy excludes contractual liability assumed under a business contract, employer's liability claims (covered by EPLI), expected or intended injury, fellow-employee injury claims, and pollution-related injuries. ⁹Company-reported. Product-page What's Not Covered section.

When bundled through Chubb's small-business Total Account Solution, commercial auto includes personal injury protection and uninsured/underinsured motorist limits up to $1 million. The standalone commercial auto page does not publish its own limit figures. ⁵Company-reported. Workers'-compensation Total Account Solution section for the bundled small-business version; the dedicated commercial-auto page does not repeat these limits.

Not described in the reviewed sources.

Chubb's GL Plus Risk Consulting connects commercial auto clients with outside risk-management experts, and Chubb publishes fleet-safety materials for transportation risks. ⁴Company-reported. Commercial Auto product page Risk Consulting section.

Not described in the reviewed sources.

You can request a business insurance quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. ⁴Company-reported. Commercial Auto product page quote call-to-action.

Embroker says applicants can sign up on its platform, select coverage, and get a commercial auto quote in a few minutes. ⁹Company-reported. Product-page 'Who Is It For?' quote call to action; no quote was requested during this research.