Harper vs HUB International Commercial Auto Insurance

Harper describes itself as taking one application for a transportation business and calling the insurance companies that write commercial auto for that kind of operation, rather than underwriting the policy itself. ^3,4Company-reported. Transportation industry page 'Why Harper' section and homepage coverage-list introduction.

HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. ⁸Company-reported. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer.

The reviewed pages do not name the insurer or insurers that would issue a commercial auto policy Harper places; the transportation page describes 'every market' generally without listing carriers. ^3,4Not publicly disclosed. Checked the transportation industry page and homepage insurer-logo panel on 2026-09-23; no carrier names found for commercial auto specifically.

The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. ⁸Not found in reviewed sources. Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there.

Harper says its transportation practice, which includes commercial auto liability, covers freight carriers, trucking companies, passenger transport services and specialized transportation operators. ³Company-reported. Transportation industry page 'Who this is for' section; general small-business intake elsewhere on the site does not repeat this list.

HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. ⁸Company-reported. Product-page description; not a published underwriting appetite by fleet size or vehicle class.

Harper describes commercial auto liability as coverage for vehicle accidents and third-party injuries during transportation operations, alongside a separate physical-damage coverage for collision and comprehensive damage to the vehicles themselves. ^3,4Company-reported. Transportation industry page coverage callouts; the homepage separately describes commercial auto with 'coverage limits your contracts accept' rather than published limit amounts.

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. ⁸Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.

Harper's reviewed pages do not publish commercial auto liability or physical-damage limits and deductibles; the homepage says only that coverage comes with 'limits your contracts accept,' meaning the buyer's own contracts, not a published Harper figure, set the target. ^4,3Not publicly disclosed. Checked the homepage and transportation industry page on 2026-09-23.

Not described in the reviewed sources.

Harper says it delivers proof-of-insurance documents quickly to support FMCSA operating-authority requirements, and describes explaining commercial auto, cargo coverage and FMCSA requirements in plain terms. ³Company-reported. Transportation industry page 'Why Harper' section.

HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. ⁸Company-reported. Product-page service description; a company-reported capability, not an independently assessed outcome.

You can request a commercial auto quote through Harper's online intake by selecting the 'Work vehicles (commercial auto)' checkbox, or by using the transportation-specific intake form, along with the business's state and estimated annual revenue. ^4,3Company-reported. Homepage and transportation industry page quote-intake forms.

HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. ⁸Company-reported. Product-page call to action as read 2026-09-23.