Chubb vs 
The Hartford: How Do They Compare for Commercial Auto Insurance?
The Hartford sends small businesses to a local agency or Tivly rather than selling commercial auto online; Chubb lets you request a quote online or work with an appointed agent.
Chubb lets small businesses request a quote online or through an agent; The Hartford offers drive-other-car for executives and reports about $574 monthly average cost but does not sell its auto policy online. 1,3
What Are the Key Differences Between Chubb and The Hartford Commercial Auto Insurance?
Quote Access and Executive Coverage
The Hartford routes small-business buyers to an agency or Tivly, rather than online purchase, and includes drive-other-car protection for executives. Chubb also works through appointed agents but describes an online quote request. 1 3
Employee and Rental Vehicle Terms
Chubb’s Broad Form Endorsement includes rented-auto coverage for employees where allowed, plus auto loan/lease gap and fellow employee coverage where allowed. The Hartford lists drive-other-car coverage for executives and rental car coverage, and excludes accidents in an employee’s personal vehicle for personal reasons and rental-vehicle repair costs while a company vehicle is being fixed. Those terms decide whether an executive in a rental or an employee in a personal car is on the commercial auto form. 1 3
Who Each Names as Buyers
Chubb lists manufacturing, climate tech, natural resources, financial and professional services, technology, life sciences, media, federal contractors, oil and gas, and wholesalers. The Hartford names beauty shops, consulting, photography, retail, technology and restaurants, and vehicle types from cars to box trucks. Overlap exists in technology; the rest of the lists point to different typical accounts. 1 3
What Should You Confirm in Chubb and The Hartford Commercial Auto Insurance Quotes?
- Ask whether a Chubb quote is online or agent-placed, and whether a Hartford quote goes through an agency or Tivly. 1 3
- Compare Chubb’s bundled PIP and UM/UIM up to $1 million with The Hartford’s $574 monthly average and unpublished limits. 2 3
- Confirm drive-other-car and rental car coverage on The Hartford against Chubb’s Broad Form rented-auto and loan/lease gap grants. 3 1
- Ask how each treats employee personal vehicles: Hartford excludes personal-reason use; Chubb’s Broad Form addresses rented autos for employees where allowed. 3 1
Chubb vs The Hartford Commercial Auto Insurance Compared
Chubb vs The Hartford: Commercial Auto Insurance: documented features by provider
| Criteria | Chubb Commercial Auto Insurance | The Hartford 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. | The Hartford reports average commercial auto costs of about $574 a month ($6,884 a year) for its customers; the page does not publish standard liability limits, which it says depend on business type, vehicle type, driving records, cargo and location. 3Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit. |
| 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. | The Hartford says coverage requirements vary by state, and names industries it targets: beauty shops, consulting, photography, retail, technology and restaurants; covered vehicle types include cars, commercial cargo vans, commercial trucks, pickup trucks, box trucks and service utility trucks. 3Company-reported. Commercial auto product page as read 2026-09-23. |
| How to Apply | You can request a business insurance quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. 1Company-reported. Commercial Auto product page quote call-to-action. | The Hartford does not currently sell commercial auto coverage online for small businesses; it directs buyers to a local agency or to its partner Tivly for a quote instead of a self-serve online flow. 3Company-reported. Commercial auto product page as read 2026-09-23. |
| 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. | The Hartford lists common commercial auto coverage options: bodily injury liability, property damage liability, drive-other-car coverage for executives, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental car coverage. It excludes unrelated medical expenses, contents inside the vehicle, accidents in an employee's personal vehicle for personal reasons, and rental-vehicle repair costs while a company vehicle is being fixed. 3Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. | The Hartford's commercial auto insurance helps cover property damage and medical expenses when a business or its employees cause an accident using company vehicles. 3Company-reported. Commercial auto product page as read 2026-09-23. |
