Gallagher vs Travelers 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.

Travelers underwrites commercial auto insurance as a standalone policy; it is not included in a Travelers Business Owner's Policy and must be purchased separately. ¹⁰Company-reported. Commercial auto product page.

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.

Travelers covers passenger vehicles, vans, light and heavy trucks, truck trailers, vehicle fleets and specialty vehicles, and offers industry-specific versions for the public sector, oil and gas, and trucking (through its Northland division). ¹⁰Company-reported. Product page FAQ and industry-specific coverage sections.

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.

Travelers says the policy covers liability for bodily injury and property damage, physical damage to owned, leased, hired or borrowed vehicles, collision, comprehensive, and damages caused by uninsured or underinsured drivers. ¹⁰Company-reported. Product page "What does commercial auto insurance cover?" and "Protect your business on the road" sections; exclusions and state variation apply.

Travelers offers optional Select Auto CoveragePlus enhancements, including auto lease gap coverage, employee hired auto coverage and blanket additional insured coverage, plus separate hired and non-owned auto coverage for rented or employee-owned vehicles used for work. ¹⁰Company-reported. Product page "Additional coverage options" and "Hired and non-owned auto coverage" sections.

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.

Travelers advertises liability coverage limits of up to $1 million for bodily injury and property damage to others; other limits and deductibles are not published and depend on the quote. ¹⁰Company-reported. Product page "Protect your business on the road" section.

Not described in the reviewed sources.

Travelers says commercial auto customers can draw on more than 600 Risk Control consultants and a dedicated Claim team, plus Travelers Roadside Assistance Coverage. ¹⁰Company-reported. Product page Risk Control, Claim and Roadside Assistance sections.

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.

You buy commercial auto insurance through a Travelers independent agent, who reviews business operations and vehicles to select coverage. ¹⁰Company-reported. Product page "How do I purchase commercial auto insurance?" FAQ.