Chubb vs Gallagher 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.

Gallagher Small Business arranges commercial auto coverage with partner carriers rather than underwriting the policy itself. ¹¹Company-reported. Gallagher Small Business's direct-to-small-business commercial auto product page.

Not described in the reviewed sources.

The commercial auto product page does not name the insurer that would issue a given business's policy. ¹¹Not publicly disclosed. Checked the commercial auto product page on 2026-09-23.

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.

Gallagher recommends this coverage for businesses that use vehicles for business purposes, including owned, hired and non-owned autos, rented or leased vehicles, and employees who drive their own cars for work. ¹¹Company-reported. Product page "Recommended for businesses that" list; actual acceptance depends on underwriting.

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.

Gallagher describes commercial auto as covering bodily injury and property damage to third parties, accidents caused by uninsured or underinsured drivers, physical damage to owned, rented, hired or employee vehicles, and medical costs for the business owner, employees and passengers, plus theft and damage. ¹¹Company-reported. Product page coverage list; the issued policy and its exclusions control.

Gallagher's small-business team says the commercial auto market remains challenging because of social inflation and the long-tail nature of auto liability claims, and that rising repair costs from added vehicle electronics and safety features, plus supply-chain delays, are increasing claim costs. ¹¹Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.

Gallagher illustrates the coverage gap when a personal vehicle is used for business: it describes a bakery owner whose personal auto insurer refused to pay a delivery-related accident claim because she lacked commercial auto insurance. ¹¹Company-reported. Product page hypothetical claim scenario; illustrative example, not a report of an actual claim outcome.

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.

The commercial auto product page does not publish liability limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ¹¹Not publicly disclosed. Checked the commercial auto product page on 2026-09-23.

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.

Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a commercial auto quote. ¹¹Company-reported. Product page "Get Covered Now" section.