---
title: "Chubb vs The Hartford: Commercial Auto Insurance"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-the-hartford/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-the-hartford"
provider-a: "chubb"
provider-b: "the-hartford"
coverage-line: "commercial-auto"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-the-hartford/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of Chubb and The Hartford for Commercial Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Auto Insurance questions about Chubb versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs The Hartford for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, Chubb or The Hartford?
- What does Chubb or The Hartford publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: Chubb and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Chubb vs The Hartford](https://spot.insure/compare/chubb-vs-the-hartford) — all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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.

The Hartford lists drive-other-car and an average cost of about $574 per month; Chubb offers online quote requests for commercial auto.

## Chubb vs The Hartford Commercial Auto Insurance Summary

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](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [3](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## 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](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [3](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. [1](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [3](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. [1](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [3](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## 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](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [3](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. [2](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") [3](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. [3](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](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. [3](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance")

## Chubb vs The Hartford Commercial Auto Insurance Compared

| 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. [2](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. [3](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..) |
| 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. [1](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. [3](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](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. [3](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. [1](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. [3](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..) |
| 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](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [2](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. [3](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |

## About Chubb and The Hartford and Commercial Auto Insurance

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto)

## Related Pages for Chubb vs The Hartford Commercial Auto Insurance

- [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 covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [Chubb Commercial Auto Insurance](https://spot.insure/insurance-providers/chubb/commercial-auto)
- [The Hartford Commercial Auto Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-auto)

## Sources for Chubb vs The Hartford Commercial Auto Insurance

### Sources About Chubb

1. [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.
2. [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.

### Sources About The Hartford

3. [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.

Updated 2026-09-25. 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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