---
title: "CNA vs The Hartford: Commercial Auto Insurance"
description: "CNA names driver/cargo safety programs, while The Hartford lists multiple auto options including rental-car coverage and directs small businesses to an agent or partner quote."
canonical: "https://spot.insure/compare/cna-vs-the-hartford/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cna-vs-the-hartford"
provider-a: "cna"
provider-b: "the-hartford"
coverage-line: "commercial-auto"
---

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

## Agent Guide

**What this page is:** Focused comparison of CNA 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 CNA versus The Hartford. 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 The Hartford for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, CNA or The Hartford?
- What does CNA or The Hartford publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Auto Insurance from CNA or The Hartford?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: CNA and The Hartford.
- 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 The Hartford](https://spot.insure/compare/cna-vs-the-hartford) — 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)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [CNA vs The Hartford Commercial Property Insurance](https://spot.insure/compare/cna-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Cyber Insurance](https://spot.insure/compare/cna-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Tech E&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/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 The Hartford Commercial Auto Insurance](https://spot.insure/compare/aig-vs-the-hartford/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/aon-vs-the-hartford/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 The Hartford Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/commercial-auto) — sibling comparison (other line, or other pair for this line)

# CNA vs The Hartford: How Do They Compare for Commercial Auto Insurance?

CNA names driver/cargo safety programs, while The Hartford lists multiple auto options including rental-car coverage and directs small businesses to an agent or partner quote.

## Research Scope and Use

Use this comparison to evaluate CNA 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

CNA describes owned, hired and non-owned vehicle liability with physical damage and driver programs. The Hartford lists liability, collision, comprehensive, rental-car and executive-drive-other-car options for several vehicle types. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance 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 The Hartford?

The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](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 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

### Coverage Menu and Vehicle Fit

CNA identifies liability for owned, hired and non-owned business autos, physical damage and an optional Drive Other Car endorsement. The Hartford lists bodily injury and property damage liability, collision, comprehensive, medical payments, uninsured/underinsured motorist and rental-car coverage; it names vans, trucks, pickups and service utility vehicles among eligible vehicle types. Its listed exclusions include accidents in an employee's personal car for personal reasons. If staff use personal vehicles on work trips, ask how the Hartford policy and any separate hired/non-owned cover respond. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

### Fleet Support and Quote Route

CNA names Driver Distractions/Cargo Securement programs. The Hartford says its small-business commercial-auto product is not sold online and routes buyers to a local agency or Tivly partner. The buyer gets an agent-assisted route rather than self-serve purchase, alongside CNA's named prevention resources. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## What to Confirm in Commercial Auto Insurance Quotes

- Ask The Hartford which insurer, limits and deductibles apply to your vehicle mix. [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- Ask CNA to confirm rental vehicles, employee autos and endorsement scope. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance")

## Offering Details

| Criteria | CNA Commercial Auto | The Hartford Commercial Auto Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | 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. [8](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 | Confirm in your quote. | 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. [8](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 | 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..) | 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. [8](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 | Confirm in your quote. | 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. [8](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 | 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..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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. [8](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

- [CNA vs The Hartford](https://spot.insure/compare/cna-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.
- [CNA vs The Hartford Commercial Property Insurance](https://spot.insure/compare/cna-vs-the-hartford/commercial-property)
- [CNA vs The Hartford Cyber Insurance](https://spot.insure/compare/cna-vs-the-hartford/cyber)
- [CNA vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-the-hartford/professional-errors-omissions)
- [CNA vs The Hartford Tech E&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/technology-errors-omissions)
- [AIG vs CNA Commercial Auto Insurance](https://spot.insure/compare/aig-vs-cna/commercial-auto)
- [AIG vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/aig-vs-the-hartford/commercial-auto)
- [Alliance Risk vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-auto)
- [Aon vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/aon-vs-the-hartford/commercial-auto)
- [The Baldwin Group vs CNA Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-auto)
- [The Baldwin Group vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/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.

### The Hartford

5. [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.
6. [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.
7. [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.
8. [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

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).

## The Hartford Reviews

Review Score: 4.9 / 10 from 5 rated sources, equally weighted.

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/reviews).

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