---
title: "Chubb vs The Hartford Commercial Auto Insurance"
description: "Chubb underwrites ISO Broad Form commercial auto; The Hartford lists drive-other-car and sells small-business auto through agencies or Tivly."
canonical: "https://spot.insure/compare/chubb-vs-the-hartford/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Chubb vs The Hartford Commercial Auto Insurance

Chubb underwrites ISO Broad Form commercial auto; The Hartford lists drive-other-car and sells small-business auto through agencies or Tivly.

## Research Scope and Use

Use this comparison to evaluate Chubb and The Hartford for Commercial Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites commercial auto on ISO forms with a Broad Form endorsement, quoted online or through an appointed agent. The Hartford lists options such as drive-other-car coverage for executives, reports average customer costs of about $574 a month, and does not currently sell commercial auto online for small businesses. [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [6](https://www.thehartford.com/legal-notice "Legal Notice") [7](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Commercial Auto Insurance?

Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Commercial Auto Insurance

### How You Buy From Each Carrier

Chubb lets you request a business insurance quote online, or an appointed independent agent or broker can place the policy. The Hartford does not currently sell commercial auto online for small businesses; it directs buyers to a local agency or to its partner Tivly. Both are carrier products, but only Chubb’s reviewed sources describe a self-serve request for this line. [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

### 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

### 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## What to Confirm in 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- Compare Chubb’s bundled PIP and UM/UIM up to $1 million with The Hartford’s $574 monthly average and unpublished limits. [5](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- Confirm drive-other-car and rental car coverage on The Hartford against Chubb’s Broad Form rented-auto and loan/lease gap grants. [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance")
- Ask how each treats employee personal vehicles: Hartford excludes personal-reason use; Chubb’s Broad Form addresses rented autos for employees where allowed. [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance")

## Offering Details

| Criteria | Chubb Commercial Auto Insurance | The Hartford Commercial Auto Insurance |
| --- | --- | --- |
| 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [5](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |
| 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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. [5](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit..) |
| Risk Services | Chubb's GL Plus Risk Consulting connects commercial auto clients with outside risk-management experts, and Chubb publishes fleet-safety materials for transportation risks. [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") (Evidence: Company-reported; scope: Commercial Auto product page Risk Consulting section..) | Not described in the reviewed sources. |
| 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |

## Full Comparison

- [Chubb vs The Hartford](https://spot.insure/compare/chubb-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto insurance can cover your business's liability on the road and damage to the vehicles you insure.
- [Chubb vs The Hartford Business Owner’s Policy](https://spot.insure/compare/chubb-vs-the-hartford/business-owners-policy)
- [Chubb vs The Hartford Commercial Property Insurance](https://spot.insure/compare/chubb-vs-the-hartford/commercial-property)
- [Chubb vs The Hartford Crime Insurance](https://spot.insure/compare/chubb-vs-the-hartford/crime)
- [Chubb vs The Hartford Cyber Insurance](https://spot.insure/compare/chubb-vs-the-hartford/cyber)
- [Chubb vs The Hartford D&O Insurance](https://spot.insure/compare/chubb-vs-the-hartford/directors-officers)
- [Chubb vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-the-hartford/employment-practices)
- [Chubb vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-the-hartford/fiduciary)
- [Chubb vs The Hartford General Liability Insurance](https://spot.insure/compare/chubb-vs-the-hartford/general-liability)
- [Chubb vs The Hartford Inland Marine Insurance](https://spot.insure/compare/chubb-vs-the-hartford/inland-marine)
- [Chubb vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-the-hartford/kidnap-ransom)
- [Chubb vs The Hartford Management Liability Insurance](https://spot.insure/compare/chubb-vs-the-hartford/management-liability)
- [Chubb vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-the-hartford/professional-errors-omissions)
- [Chubb vs The Hartford Tech E&O Insurance](https://spot.insure/compare/chubb-vs-the-hartford/technology-errors-omissions)
- [Chubb vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Chubb Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/commercial-auto)
- [Alliance Risk vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-auto)
- [Chubb vs Corgi Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-corgi/commercial-auto)
- [Chubb vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-coverdash/commercial-auto)
- [Chubb vs Embroker Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-embroker/commercial-auto)
- [Chubb vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-gallagher/commercial-auto)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [Commercial Auto Insurance](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html). Chubb; Coverage highlights: ISO multi-state forms, Commercial Auto Broad Form Endorsement, High Value Vehicle endorsement; Who we serve industry list; Chubb Risk Consulting. Accessed 2026-09-23.
5. [Workers' Compensation Insurance for Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Total Account Solution section: commercial auto with personal injury protection and uninsured/underinsured motorist limits up to $1M. Accessed 2026-09-23.

### The Hartford

6. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
7. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
8. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
9. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Banner: The Hartford does not currently offer this coverage online for small businesses; What Does Commercial Auto Insurance Cover?; What Is Not Covered?; What Types of Vehicles Are Covered?; Do I Need Commercial Auto Insurance?; How Much Does Commercial Auto Insurance Cost?. Accessed 2026-09-23.

### Commercial Auto Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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