Embroker vs Gallagher Commercial Auto Insurance

Embroker sells commercial auto as a standalone policy that can also be added onto a Business Owners Policy, covering the business, its employees, and other hired or borrowed drivers. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

Gallagher Small Business arranges commercial auto coverage with partner carriers rather than underwriting the policy itself. ¹⁰Company-reported. Gallagher Small Business's direct-to-small-business commercial auto product page.

Not described in the reviewed sources.

The commercial auto product page does not name the insurer that would issue a given business's policy. ¹⁰Not publicly disclosed. Checked the commercial auto product page on 2026-09-23.

Embroker says the coverage is for businesses that own, lease or hire vehicles for work purposes, including passenger cars, vans, pickups, SUVs and larger commercial vehicles, and notes personal auto policies typically exclude business use. ⁴Company-reported. Product-page 'Who Is It For?' and vehicle-type sections; not a guarantee of coverage for a particular fleet.

Embroker says required coverage amounts are set by state or federal law and vary based on vehicle weight, passenger capacity, and whether the vehicle carries hazardous materials. ⁴Company-reported. Product-page 'Commercial Auto Insurance Requirements By State' section; specific state requirements were not independently verified.

Gallagher recommends this coverage for businesses that use vehicles for business purposes, including owned, hired and non-owned autos, rented or leased vehicles, and employees who drive their own cars for work. ¹⁰Company-reported. Product page "Recommended for businesses that" list; actual acceptance depends on underwriting.

Embroker lists property and bodily injury liability, medical payments, and collision coverage as base commercial auto coverages, with common endorsements including comprehensive, uninsured motorist, hired and non-owned auto, and roadside assistance. ⁴Company-reported. Product-page 'What Does Business Auto Insurance Cover?' section; the issued policy and declarations control.

Embroker says the policy excludes contractual liability assumed under a business contract, employer's liability claims (covered by EPLI), expected or intended injury, fellow-employee injury claims, and pollution-related injuries. ⁴Company-reported. Product-page What's Not Covered section.

Gallagher describes commercial auto as covering bodily injury and property damage to third parties, accidents caused by uninsured or underinsured drivers, physical damage to owned, rented, hired or employee vehicles, and medical costs for the business owner, employees and passengers, plus theft and damage. ¹⁰Company-reported. Product page coverage list; the issued policy and its exclusions control.

Gallagher's small-business team says the commercial auto market remains challenging because of social inflation and the long-tail nature of auto liability claims, and that rising repair costs from added vehicle electronics and safety features, plus supply-chain delays, are increasing claim costs. ¹⁰Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.

Gallagher illustrates the coverage gap when a personal vehicle is used for business: it describes a bakery owner whose personal auto insurer refused to pay a delivery-related accident claim because she lacked commercial auto insurance. ¹⁰Company-reported. Product page hypothetical claim scenario; illustrative example, not a report of an actual claim outcome.

Not described in the reviewed sources.

The commercial auto product page does not publish liability limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ¹⁰Not publicly disclosed. Checked the commercial auto product page on 2026-09-23.

Embroker says applicants can sign up on its platform, select coverage, and get a commercial auto quote in a few minutes. ⁴Company-reported. Product-page 'Who Is It For?' quote call to action; no quote was requested during this research.

Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a commercial auto quote. ¹⁰Company-reported. Product page "Get Covered Now" section.