Embroker vs 
HUB International: How Do They Compare for Commercial Auto Insurance?
Embroker quotes online in minutes for businesses that own, lease or hire vehicles; HUB International brokers fleets and transportation providers and has you contact a broker, with no online quote.
Embroker quotes standalone or BOP auto in minutes; HUB offers fleet and transportation options including long/short-haul, hired/non-owned, towing, lease gap and analytics. 1,2
What Are the Key Differences Between Embroker and HUB International Commercial Auto Insurance?
Online Quote vs. Fleet Options
HUB’s menu includes long- and short-haul auto, hired/non-owned, UM/UIM, medical payments, towing, lease gap and fleet-risk analytics. Choose HUB if those fleet services matter; choose Embroker if you want to request a standalone or BOP-attached quote online in minutes. 1 2
Coverage Parts Each Lists
Embroker lists property and bodily injury liability, medical payments, and collision as base, with comprehensive, UM, hired/non-owned, and roadside as common endorsements. HUB lists long- and short-haul transportation, hired and non-owned exposures, UM/UIM, medical payments, towing, and lease gap alongside property damage and bodily injury. Embroker’s reviewed page does not mention towing or lease gap; HUB’s page does not publish Embroker’s exclusion set. 1 2
Risk Services Around the Placement
HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and it cross-promotes Fleet Risk Management and Workplace Safety Management. Embroker’s reviewed commercial auto page does not describe fleet-risk analytics or workplace-safety management products. 2 1
What Should You Confirm in Embroker and HUB International Commercial Auto Insurance Quotes?
- Ask both who issues the policy. 1 2
- If you haul, confirm long-haul or short-haul wording on HUB and whether Embroker’s form is built for that radius. 2 1
- Compare towing, lease gap, and roadside assistance across the two quotes. 2 1
- Review Embroker’s exclusions and HUB’s analytics services as they apply to your fleet. 1 2
Embroker vs HUB International Commercial Auto Insurance Compared
Embroker vs HUB International: Commercial Auto Insurance: documented features by provider
| Criteria | Embroker Commercial Auto Insurance | HUB International Commercial Auto Insurance Brokerage |
|---|---|---|
| Who It’s For | 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. 1Company-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. 1Company-reported. Product-page 'Commercial Auto Insurance Requirements By State' section; specific state requirements were not independently verified. | HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. 2Company-reported. Product-page description; not a published underwriting appetite by fleet size or vehicle class. |
| How to Apply | Embroker says applicants can sign up on its platform, select coverage, and get a commercial auto quote in a few minutes. 1Company-reported. Product-page 'Who Is It For?' quote call to action; no quote was requested during this research. | HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. 2Company-reported. Product-page call to action as read 2026-09-23. |
| Coverage Features | 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. 1Company-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. 1Company-reported. Product-page What's Not Covered section. | 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. 2Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. |
| Role in This Line | 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. 1Company-reported. Product-page description; not a statement about the issuing insurer. | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. 2Company-reported. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer. |
