--- title: "CNA vs Travelers: Commercial Auto Insurance" description: "CNA lists an executive auto endorsement and driver programs, while Travelers publishes up to $1 million in liability limits and several fleet add-ons." canonical: "https://spot.insure/compare/cna-vs-travelers/commercial-auto" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "cna-vs-travelers" provider-a: "cna" provider-b: "travelers" coverage-line: "commercial-auto" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cna-vs-travelers/commercial-auto) ## Agent Guide **What this page is:** Focused comparison of CNA and Travelers 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 Travelers. 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 Travelers for Commercial Auto Insurance: how do they differ? - Which is better for Commercial Auto Insurance, CNA or Travelers? - What does CNA or Travelers publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Auto Insurance from CNA or Travelers? **Key facts:** - Line: Commercial Auto Insurance. Providers: CNA and Travelers. - 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 Travelers](https://spot.insure/compare/cna-vs-travelers) — 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) - [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile (evidence) - [CNA vs Travelers Commercial Property Insurance](https://spot.insure/compare/cna-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line) - [CNA vs Travelers Cyber Insurance](https://spot.insure/compare/cna-vs-travelers/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-travelers/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Travelers Surety Bonds](https://spot.insure/compare/cna-vs-travelers/surety-bonds) — sibling comparison (other line, or other pair for this line) - [CNA vs Travelers Tech E&O Insurance](https://spot.insure/compare/cna-vs-travelers/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 Travelers Commercial Auto Insurance](https://spot.insure/compare/aig-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Travelers Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Aon vs Travelers Commercial Auto Insurance](https://spot.insure/compare/aon-vs-travelers/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 Travelers Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line) # CNA vs Travelers: How Do They Compare for Commercial Auto Insurance? CNA lists an executive auto endorsement and driver programs, while Travelers publishes up to $1 million in liability limits and several fleet add-ons. ## Research Scope and Use Use this comparison to evaluate CNA and Travelers 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 for owned, hired and non-owned vehicles with optional Drive Other Car coverage. Travelers lists liability up to $1 million, physical damage and add-ons including lease gap and hired auto. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") ## 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 Travelers Insurance? Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## 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 ### Published Limits and Add-On Choices CNA lists automobile liability and physical damage and offers Drive Other Car as an optional executive endorsement, but the reviewed claim does not give a dollar limit. Travelers advertises up to $1 million for bodily injury and property damage to others, plus physical damage, collision, comprehensive and uninsured/underinsured motorist protection. Its optional enhancements include lease gap, employee hired auto and blanket additional insured coverage. Ask how each endorsement applies to your fleet and contract obligations. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") ### Service and Placement CNA names Driver Distractions/Cargo Securement programs and claims support. Travelers places coverage through an independent agent and describes more than 600 Risk Control consultants, a dedicated Claim team and roadside assistance. The records differ in service specificity and buying route, so ask what resources and response contacts attach to the policy you are quoted. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") ## What to Confirm in Commercial Auto Insurance Quotes - Ask Travelers to show liability limits, hired/non-owned wording and add-on costs. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") - Ask CNA for your limits, physical-damage deductible and program eligibility. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") ## Offering Details | Criteria | CNA Commercial Auto | Travelers Commercial Auto Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Travelers underwrites commercial auto insurance as a standalone policy; it is not included in a Travelers Business Owner's Policy and must be purchased separately. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Commercial auto product page..) | | Who It’s For | Confirm in your quote. | Travelers covers passenger vehicles, vans, light and heavy trucks, truck trailers, vehicle fleets and specialty vehicles, and offers industry-specific versions for the public sector, oil and gas, and trucking (through its Northland division). [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page FAQ and industry-specific coverage sections..) | | 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..)

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..) | Travelers says the policy covers liability for bodily injury and property damage, physical damage to owned, leased, hired or borrowed vehicles, collision, comprehensive, and damages caused by uninsured or underinsured drivers. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "What does commercial auto insurance cover?" and "Protect your business on the road" sections; exclusions and state variation apply..)

Travelers offers optional Select Auto CoveragePlus enhancements, including auto lease gap coverage, employee hired auto coverage and blanket additional insured coverage, plus separate hired and non-owned auto coverage for rented or employee-owned vehicles used for work. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "Additional coverage options" and "Hired and non-owned auto coverage" sections..) | | Limits and Retentions | Confirm in your quote. | Travelers advertises liability coverage limits of up to $1 million for bodily injury and property damage to others; other limits and deductibles are not published and depend on the quote. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "Protect your business on the road" section..) | | 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..) | Travelers says commercial auto customers can draw on more than 600 Risk Control consultants and a dedicated Claim team, plus Travelers Roadside Assistance Coverage. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page Risk Control, Claim and Roadside Assistance sections..) | | How to Apply | Confirm in your quote. | You buy commercial auto insurance through a Travelers independent agent, who reviews business operations and vehicles to select coverage. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "How do I purchase commercial auto insurance?" FAQ..) | ## Full Comparison - [CNA vs Travelers](https://spot.insure/compare/cna-vs-travelers): 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 Travelers Commercial Property Insurance](https://spot.insure/compare/cna-vs-travelers/commercial-property) - [CNA vs Travelers Cyber Insurance](https://spot.insure/compare/cna-vs-travelers/cyber) - [CNA vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-travelers/professional-errors-omissions) - [CNA vs Travelers Surety Bonds](https://spot.insure/compare/cna-vs-travelers/surety-bonds) - [CNA vs Travelers Tech E&O Insurance](https://spot.insure/compare/cna-vs-travelers/technology-errors-omissions) - [AIG vs CNA Commercial Auto Insurance](https://spot.insure/compare/aig-vs-cna/commercial-auto) - [AIG vs Travelers Commercial Auto Insurance](https://spot.insure/compare/aig-vs-travelers/commercial-auto) - [Alliance Risk vs Travelers Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/commercial-auto) - [Aon vs Travelers Commercial Auto Insurance](https://spot.insure/compare/aon-vs-travelers/commercial-auto) - [The Baldwin Group vs CNA Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-auto) - [The Baldwin Group vs Travelers Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-travelers/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. ### Travelers 5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 8. [Commercial Auto Insurance | Get A Quote | Travelers Insurance](https://www.travelers.com/business-insurance/commercial-auto). Travelers; What is commercial auto insurance?; What does commercial auto insurance cover?; Protect your business on the road (liability, physical damage, collision, comprehensive); Additional coverage options (Select Auto CoveragePlus); commercial auto FAQ. 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). ## Travelers Reviews Review Score: 4.8 / 10 from 3 rated sources, equally weighted. Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance. - 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 Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 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 Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/travelers/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-vs-travelers/commercial-auto.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)