--- title: "HUB International vs Liberty Mutual: Commercial Auto Insurance" description: "HUB lists commercial-auto options and promotes fleet-risk services; Liberty Mutual names specific coverage categories for business vehicles." canonical: "https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-auto" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "hub-international-vs-liberty-mutual" provider-a: "hub-international" provider-b: "liberty-mutual" coverage-line: "commercial-auto" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-auto) ## Agent Guide **What this page is:** Focused comparison of HUB International and Liberty Mutual for Commercial Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Commercial Auto Insurance questions about HUB International versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - HUB International vs Liberty Mutual for Commercial Auto Insurance: how do they differ? - Which is better for Commercial Auto Insurance, HUB International or Liberty Mutual? - What does HUB International or Liberty Mutual publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Auto Insurance from HUB International or Liberty Mutual? **Key facts:** - Line: Commercial Auto Insurance. Providers: HUB International and Liberty Mutual. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [HUB International vs Liberty Mutual](https://spot.insure/compare/hub-international-vs-liberty-mutual) — parent: all coverage lines for this pair - [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [HUB International vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-liberty-mutual/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Crime Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual D&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Surety Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Telehealth Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/virtual-care-telehealth) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Aon vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Aon vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line) # HUB International vs Liberty Mutual: How Do They Compare for Commercial Auto Insurance? HUB lists commercial-auto options and promotes fleet-risk services; Liberty Mutual names specific coverage categories for business vehicles. ## How to Use the HUB International vs Liberty Mutual Commercial Auto Insurance Comparison Use this comparison to evaluate HUB International and Liberty Mutual for Commercial Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## HUB International vs Liberty Mutual Commercial Auto Insurance Summary HUB lists long- and short-haul, hired/non-owned auto, towing and lease-gap options and separately describes fleet-risk services; Liberty Mutual names liability, physical damage, bodily injury and uninsured-motorist coverage. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [7](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") ## What Is HUB International? HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is Liberty Mutual Business Insurance? Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [5](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [6](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is Commercial Auto Insurance? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [11](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form") ## What Are the Key Differences Between HUB International and Liberty Mutual Commercial Auto Insurance? ### Named options for mixed vehicle use HUB lists long- and short-haul options, hired and non-owned auto, uninsured or underinsured motorist protection, medical payments, towing and lease gap, in addition to liability for bodily injury and property damage. Liberty Mutual names liability, physical damage, bodily injury and uninsured-motorist coverage, while leaving the actual protection to policy terms. For a fleet with leased vehicles or employees using personal cars, ask HUB which options fit and have Liberty Mutual identify equivalent endorsements in its quote. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")[7](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") ### Program assessment and risk support HUB says it benchmarks programs with risk and analytics tools and offers Fleet Risk Management and Workplace Safety Management alongside its brokerage. Liberty Mutual says its underwriters tailor a solution around industry, fleet, location and vehicle use. A buyer comparing these routes should determine whether it needs ongoing fleet-risk work as well as an insurer’s underwriting review; the published descriptions do not establish identical services. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")[7](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") ## What Should You Confirm in HUB International and Liberty Mutual Commercial Auto Insurance Quotes? - Have HUB identify which listed options appear in the proposed policy and which risk services are included for your account. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") - Ask Liberty Mutual to show its vehicle-use and fleet assumptions, plus the actual forms and limits behind each coverage label. [7](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") ## HUB International vs Liberty Mutual Commercial Auto Insurance Compared | Criteria | HUB International Commercial Auto Insurance Brokerage | Commercial Auto and Fleet | | --- | --- | --- | | Role in This Line | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer..) | Liberty Mutual describes commercial-auto insurance for businesses with commercial vehicles. [7](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Auto and Fleet. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Issuing Insurer | The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Not found in reviewed sources; scope: Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there..) | Confirm in your quote. | | Who It’s For | HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page description; not a published underwriting appetite by fleet size or vehicle class..) | The company says underwriters tailor solutions to industry, fleet, location and vehicle use. [7](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Auto and Fleet. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Coverage Features | 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. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..) | Its page names liability, physical damage, bodily injury and uninsured-motorist coverages; policy terms determine the actual protection. [7](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Auto and Fleet. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Risk Services | 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. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability, not an independently assessed outcome..) | Confirm in your quote. | | How to Apply | HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [7](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) | ## Related Pages for HUB International vs Liberty Mutual Commercial Auto - [HUB International vs Liberty Mutual](https://spot.insure/compare/hub-international-vs-liberty-mutual): all coverage lines, business roles, service and claims. - [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks. - [HUB International vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/builders-risk) - [HUB International vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-liberty-mutual/business-owners-policy) - [HUB International vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cargo-transit) - [HUB International vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-property) - [HUB International vs Liberty Mutual Crime Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/crime) - [HUB International vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cyber) - [HUB International vs Liberty Mutual D&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/directors-officers) - [HUB International vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/employment-practices) - [HUB International vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/equipment-breakdown) - [HUB International vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/fidelity-bonds) - [HUB International vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/fiduciary) - [HUB International vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/general-liability) - [HUB International vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/inland-marine) - [HUB International vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/kidnap-ransom) - [HUB International vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/management-liability) - [HUB International vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/medical-malpractice) - [HUB International vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/professional-errors-omissions) - [HUB International vs Liberty Mutual Surety Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/surety-bonds) - [HUB International vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/technology-errors-omissions) - [HUB International vs Liberty Mutual Telehealth Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/virtual-care-telehealth) - [HUB International vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/umbrella-excess) - [HUB International vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/workers-compensation) - [AIG vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-auto) - [AIG vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-auto) - [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto) - [Alliance Risk vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/commercial-auto) - [Aon vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-auto) - [Aon vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-auto) ## Sources for HUB International vs Liberty Mutual ### Sources About HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16. 4. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker. Accessed 2026-09-23. ### Sources About Liberty Mutual 5. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29. 6. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29. 7. [Commercial Auto and Fleet](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/). Liberty Mutual Business Insurance; ‘Solutions for complex risks’ names liability, physical damage, bodily injury and uninsured motorists; ‘Expertise that delivers’ says underwriting is tailored to industry, fleet, location and usage; ‘Better control over claims’ describes auto liability claims resources. Company marketing claims are not an independent outcome study.. Accessed 2026-09-29. ### Sources for the Commercial Auto Insurance Guide 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16. 9. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16. 10. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16. 11. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## HUB International Review Scores for 2026 Review Score: 5.6 / 10 from 2 rated sources, equally weighted. Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-. - BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202) - BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews) - BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews). ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-auto.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)