Chubb vs Harper 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.

Harper describes itself as taking one application for a transportation business and calling the insurance companies that write commercial auto for that kind of operation, rather than underwriting the policy itself. ^8,9Company-reported. Transportation industry page 'Why Harper' section and homepage coverage-list introduction.

Not described in the reviewed sources.

The reviewed pages do not name the insurer or insurers that would issue a commercial auto policy Harper places; the transportation page describes 'every market' generally without listing carriers. ^8,9Not publicly disclosed. Checked the transportation industry page and homepage insurer-logo panel on 2026-09-23; no carrier names found for commercial auto specifically.

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.

Harper says its transportation practice, which includes commercial auto liability, covers freight carriers, trucking companies, passenger transport services and specialized transportation operators. ⁸Company-reported. Transportation industry page 'Who this is for' section; general small-business intake elsewhere on the site does not repeat this list.

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.

Harper describes commercial auto liability as coverage for vehicle accidents and third-party injuries during transportation operations, alongside a separate physical-damage coverage for collision and comprehensive damage to the vehicles themselves. ^8,9Company-reported. Transportation industry page coverage callouts; the homepage separately describes commercial auto with 'coverage limits your contracts accept' rather than published limit amounts.

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.

Harper's reviewed pages do not publish commercial auto liability or physical-damage limits and deductibles; the homepage says only that coverage comes with 'limits your contracts accept,' meaning the buyer's own contracts, not a published Harper figure, set the target. ^9,8Not publicly disclosed. Checked the homepage and transportation industry 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.

Harper says it delivers proof-of-insurance documents quickly to support FMCSA operating-authority requirements, and describes explaining commercial auto, cargo coverage and FMCSA requirements in plain terms. ⁸Company-reported. Transportation industry page 'Why Harper' section.

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.

You can request a commercial auto quote through Harper's online intake by selecting the 'Work vehicles (commercial auto)' checkbox, or by using the transportation-specific intake form, along with the business's state and estimated annual revenue. ^9,8Company-reported. Homepage and transportation industry page quote-intake forms.