Gallagher vs 
The Hartford: How Do They Compare for Commercial Auto Insurance?
Gallagher Small Business offers an online form, advisor line and callbacks; The Hartford does not sell commercial auto online to small businesses, directing them to a local agency or Tivly.
Gallagher offers online, phone and callback quotes for small-business auto; The Hartford lists its own product but sends small businesses to an agency or Tivly. 1,2
What Are the Key Differences Between Gallagher and The Hartford Commercial Auto Insurance?
Quote Access and Coverage Options
The Hartford describes liability, medical and physical-damage options but does not sell commercial auto online to small businesses; buyers go to a local agency or Tivly. Choose Gallagher if you want to start online or by phone; choose The Hartford if its listed coverages suit you and agency assistance works. 1 2
Drive-Other-Car Versus Employee Personal Cars
The Hartford lists drive-other-car coverage for executives among its commercial auto options, and excludes accidents in an employee’s personal vehicle used for personal reasons. Gallagher’s list instead stresses hired, non-owned and employee-driven cars used for work, including a bakery example where a personal insurer declined a delivery claim. Those are different answers to “whose car, whose errand.” 2 1
What Should You Confirm in Gallagher and The Hartford Commercial Auto Insurance Quotes?
- Ask whether Gallagher’s partner carrier or The Hartford is the issuing insurer, and whether The Hartford quote comes through a local agent or Tivly. 1 2
- Confirm drive-other-car, hired and non-owned auto, and rental-car coverage as separate items on each quote. 2 1
- Treat The Hartford’s $574 monthly average as a company-reported book figure, not a guaranteed premium, and request Gallagher’s comparable deductibles. 2 1
- Match vehicle types: The Hartford names cargo vans, box trucks and service utility trucks; Gallagher’s page does not list vehicle classes. 2 1
Gallagher vs The Hartford Commercial Auto Insurance Compared
Gallagher vs The Hartford: Commercial Auto Insurance: documented features by provider
| Criteria | Gallagher Small Business Commercial Auto Insurance | The Hartford Commercial Auto Insurance |
|---|---|---|
| Who It’s For | 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. 1Company-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. 2Company-reported. Commercial auto product page as read 2026-09-23. |
| How to Apply | 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. 1Company-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. 2Company-reported. Commercial auto product page as read 2026-09-23. |
| Coverage Features | 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. 1Company-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. 1Company-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. 1Company-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. 2Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Role in This Line | Gallagher Small Business arranges commercial auto coverage with partner carriers rather than underwriting the policy itself. 1Company-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. 2Company-reported. Commercial auto product page as read 2026-09-23. |
