Gallagher vs The Hartford Commercial Auto Insurance

Gallagher Small Business arranges commercial auto coverage with partner carriers rather than underwriting the policy itself. ⁶Company-reported. Gallagher Small Business's direct-to-small-business commercial auto product page.

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. ¹⁰Company-reported. Commercial auto product page as read 2026-09-23.

The commercial auto product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the commercial auto product page on 2026-09-23.

Not described in the reviewed sources.

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. ⁶Company-reported. Product page "Recommended for businesses that" list; actual acceptance depends on underwriting.

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. ¹⁰Company-reported. Commercial auto product page as read 2026-09-23.

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. ⁶Company-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. ⁶Company-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. ⁶Company-reported. Product page hypothetical claim scenario; illustrative example, not a report of an actual claim outcome.

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. ¹⁰Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls.

The commercial auto product page does not publish liability limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the commercial auto product page on 2026-09-23.

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. ¹⁰Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit.

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. ⁶Company-reported. Product page "Get Covered Now" section.

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. ¹⁰Company-reported. Commercial auto product page as read 2026-09-23.