Embroker vs TechInsurance 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.

TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. ⁷Company-reported. Commercial auto product page.

Not described in the reviewed sources.

The reviewed page does not name the issuing insurer for a commercial auto policy. ⁷Not publicly disclosed. Commercial auto product page as read 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.

TechInsurance says all states except New Hampshire require commercial auto insurance for vehicles registered to a business, with most states also setting minimum liability, and in some cases uninsured/underinsured motorist, coverage amounts. ⁷Company-reported. Commercial auto product page, Are you required by law to purchase commercial auto insurance? section.

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.

TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. ⁷Company-reported. Commercial auto product page; general policy description, not a specific policy form.

TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). ⁷Company-reported. Commercial auto product page, What isn't covered section.

Not described in the reviewed sources.

TechInsurance says its commercial auto customers pay a median of $245 per month, with the exact premium depending on number and type of vehicles, employee driving records and demographics, coverage options selected, claims history, and policy deductible and limits. ⁷Company-reported. Commercial auto product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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.

Not described in the reviewed sources.