Chubb vs 
TechInsurance: How Do They Compare for Commercial Auto Insurance?
TechInsurance reports a median of $245 a month for commercial auto and lists exclusions; Chubb underwrites directly and publishes enhancements, with bundled uninsured-motorist limits up to $1 million.
Chubb offers a Broad Form endorsement and, in its small-business package, PIP and UM/UIM up to $1 million; TechInsurance reports a $245 monthly median and flags hired/non-owned auto and garage keepers as separate needs. 2,3
What Are the Key Differences Between Chubb and TechInsurance Commercial Auto Insurance?
Published Limits and Additional Coverage Needs
TechInsurance says commercial auto is for business-registered vehicles and reports a median customer cost of $245 per month. Hired/non-owned auto and garage keepers may need separate policies; Chubb lists PIP and UM/UIM limits up to $1 million in its small-business package. 3 1
Rented and Non-Owned Vehicles
Chubb’s Commercial Auto Broad Form Endorsement includes rented-auto coverage for employees where the endorsement applies, along with other Broad Form grants such as auto loan/lease gap. TechInsurance says commercial auto does not cover personal, leased or rented vehicles used for work, which it says need hired and non-owned auto insurance, and also excludes a newly purchased vehicle not yet added and a customer’s vehicle in the business’s care. If employees rent or drive personal cars for work, that gap is the coverage question on both quotes. 1 3
What Each Publishes in Dollars
Chubb’s reviewed standalone commercial auto page does not publish its own limit figures; when the line is bundled through the small-business Total Account Solution, it includes PIP and uninsured/underinsured motorist limits up to $1 million. TechInsurance does not publish those limit figures either; it reports a median customer cost of $245 a month, which varies with vehicles, driving records, options, claims history, deductible and limits. Neither number is a quote for your fleet. 2 1 3
What Should You Confirm in Chubb and TechInsurance Commercial Auto Insurance Quotes?
- Ask TechInsurance which insurer issues the policy; a Chubb quote is Chubb paper. 3 1
- Confirm hired/non-owned auto and garage keepers: TechInsurance treats those as outside commercial auto; Chubb’s Broad Form includes rented-auto coverage for employees where it applies. 3 1
- Compare Chubb’s bundled PIP and UM/UIM up to $1 million with TechInsurance’s $245 monthly median and state minimums. 2 3
- Ask Chubb whether High Value Vehicle agreed value applies; ask TechInsurance how newly purchased vehicles get added. 1 3
Chubb vs TechInsurance Commercial Auto Insurance Compared
Chubb vs TechInsurance: Commercial Auto Insurance: documented features by provider
| Criteria | Chubb Commercial Auto Insurance | TechInsurance Commercial Auto Insurance |
|---|---|---|
| Limits and Retentions | 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. 2Company-reported. Workers'-compensation Total Account Solution section for the bundled small-business version; the dedicated commercial-auto page does not repeat these limits. | TechInsurance says its commercial auto customers pay a median of $245 per month, with the exact premium depending on number and type of vehicles, employee driving records and demographics, coverage options selected, claims history, and policy deductible and limits. 3Company-reported. Commercial auto product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| Who It’s For | 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. 1Company-reported. Commercial Auto "Who we serve" list. | TechInsurance says all states except New Hampshire require commercial auto insurance for vehicles registered to a business, with most states also setting minimum liability, and in some cases uninsured/underinsured motorist, coverage amounts. 3Company-reported. Commercial auto product page, Are you required by law to purchase commercial auto insurance? section. |
| Coverage Features | 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. 1Company-reported. Commercial Auto product page coverage-highlights list; availability depends on the issued policy and state. | TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. 3Company-reported. Commercial auto product page; general policy description, not a specific policy form. TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). 3Company-reported. Commercial auto product page, What isn't covered section. |
| Role in This Line | Chubb underwrites commercial auto insurance directly, sold standalone or as an add-on within its Total Account Solution alongside a Chubb BOP. 1,2Company-reported. Commercial Auto product page and workers'-compensation Total Account Solution section. | TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. 3Company-reported. Commercial auto product page. |
