---
title: "CNA vs HUB International: Commercial Auto Insurance"
description: "CNA lists an executive auto endorsement and driver programs, while HUB describes options for transportation fleets including towing, lease gap and hired or non-owned auto."
canonical: "https://spot.insure/compare/cna-vs-hub-international/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cna-vs-hub-international"
provider-a: "cna"
provider-b: "hub-international"
coverage-line: "commercial-auto"
---

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[Human-readable page](https://spot.insure/compare/cna-vs-hub-international/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of CNA and HUB International 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 CNA versus HUB International. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CNA vs HUB International for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, CNA or HUB International?
- What does CNA or HUB International publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Auto Insurance from CNA or HUB International?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: CNA and HUB International.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs HUB International](https://spot.insure/compare/cna-vs-hub-international) — parent: all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [CNA vs HUB International Commercial Property Insurance](https://spot.insure/compare/cna-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Surety Bonds](https://spot.insure/compare/cna-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Tech E&O Insurance](https://spot.insure/compare/cna-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Commercial Auto Insurance](https://spot.insure/compare/aig-vs-cna/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Chubb vs HUB International Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)

# CNA vs HUB International: How Do They Compare for Commercial Auto Insurance?

CNA lists an executive auto endorsement and driver programs, while HUB describes options for transportation fleets including towing, lease gap and hired or non-owned auto.

## Research Scope and Use

Use this comparison to evaluate CNA and HUB International 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

CNA describes liability, physical damage and an executive Drive Other Car endorsement. HUB lists a wider set of fleet and transportation options, including long- and short-haul exposures, towing and lease gap. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What Is HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [11](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [12](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Commercial Auto Insurance

### Fleet Options and Executive Vehicles

CNA's list includes automobile liability, physical damage and an optional Drive Other Car endorsement for executives. HUB, a broker for fleets and transportation businesses, names long- and short-haul risks, hired and non-owned vehicles, uninsured/underinsured motorists, medical payments, towing and lease gap. A fleet with leased units or towing needs should ask HUB to show those options in the placement; an executive using a personal auto should ask CNA about its distinct endorsement. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")

### Safety Programs and Program Review

CNA identifies Driver Distractions and Cargo Securement programs. HUB describes benchmarking with analytics and points to separate Fleet Risk Management and Workplace Safety Management services. The records describe different supports: CNA names auto programs, while HUB describes fleet-wide risk review. Ask for the specific service scope and whether it is included in the proposed placement. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")

## What to Confirm in Commercial Auto Insurance Quotes

- Ask HUB to identify the insurer and whether towing, lease gap and non-owned vehicles are included. [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")
- Ask CNA for the executive endorsement wording and fleet service availability. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance")

## Offering Details

| Criteria | CNA Commercial Auto | HUB International Commercial Auto Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer..) |
| Issuing Insurer | Confirm in your quote. | The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Not found in reviewed sources; scope: Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there..) |
| Who It’s For | Confirm in your quote. | HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page description; not a published underwriting appetite by fleet size or vehicle class..) |
| Coverage Features | CNA commercial auto covers business-use owned, hired and non-owned vehicles for bodily injury/property damage. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA lists automobile liability and physical damage, and an optional Drive Other Car endorsement for executives. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..) |
| Risk Services | CNA names Driver Distractions/Cargo Securement programs and claims support. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability, not an independently assessed outcome..) |
| How to Apply | Confirm in your quote. | HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. [8](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |

## Full Comparison

- [CNA vs HUB International](https://spot.insure/compare/cna-vs-hub-international): 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.
- [CNA vs HUB International Commercial Property Insurance](https://spot.insure/compare/cna-vs-hub-international/commercial-property)
- [CNA vs HUB International Surety Bonds](https://spot.insure/compare/cna-vs-hub-international/surety-bonds)
- [CNA vs HUB International Tech E&O Insurance](https://spot.insure/compare/cna-vs-hub-international/technology-errors-omissions)
- [AIG vs CNA Commercial Auto Insurance](https://spot.insure/compare/aig-vs-cna/commercial-auto)
- [AIG vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-auto)
- [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto)
- [The Baldwin Group vs CNA Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-auto)
- [The Baldwin Group vs HUB International Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-auto)
- [Chubb vs HUB International Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-auto)

## Sources

### CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.
4. [Commercial Auto Insurance for Businesses | CNA Insurance](https://www.cna.com/products/commercial-auto). CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28.

### HUB International

5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
8. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker. Accessed 2026-09-23.

### Commercial Auto Insurance Guide

9. [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.
10. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16.
11. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
12. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## CNA Reviews

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

## HUB International Reviews

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Agent and Developer Resources

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