HUB International vs 
Nationwide: How Do They Compare for Commercial Auto Insurance?
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. 1,2,3
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 5,6,7
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. 9,10,11,12
Key Differences in Commercial Auto Insurance
Auto Options and Fleet Risk Tools
HUB lists long- and short-haul transportation, hired and non-owned auto, uninsured/underinsured motorist, medical payments, towing, and lease-gap options. It says it uses risk analytics to benchmark programs and offers Fleet Risk Management and Workplace Safety Management. Nationwide describes liability for injury or property damage caused by business vehicles, without listing comparable options or fleet services in its overview. A transportation business should ask Nationwide's agent about hired/non-owned and towing terms, then compare HUB's listed services and the actual carrier forms. 4 4 8
Buyer Profile and Quote Route
HUB positions its brokerage for commercial fleets and transportation businesses and directs prospects to contact a broker; the page does not describe online quoting or binding. Nationwide describes businesses using cars, trucks, vans, and other operational vehicles and also sends buyers to an agent or quote request. Ask both for the vehicle schedule and underwriting information needed, and confirm who will issue and bind the policy. 4 4 8
What to Confirm in Commercial Auto Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International
Review Score
2 rated sources
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-.[7][6]
Read HUB International reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
HUB International vs Nationwide: Commercial Auto Insurance: documented features by provider
| Criteria | HUB International Commercial Auto Insurance Brokerage | Nationwide commercial auto (official overview) |
|---|---|---|
| Role in This Line | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. 4Company-reported. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer. | Nationwide describes offering commercial auto for the audience stated on the cited product page. 8Company-reported. commercial auto marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 4Not found in reviewed sources. 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. 4Company-reported. Product-page description; not a published underwriting appetite by fleet size or vehicle class. | Businesses using cars, trucks, vans, and other vehicles in operations, as described on the page. 8Company-reported. commercial auto marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 4Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. | The cited product page describes liability for injuries or property damage a business or its employees may cause while driving business vehicles. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. commercial auto marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. 4Company-reported. 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. 4Company-reported. Product-page call to action as read 2026-09-23. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 8Company-reported. commercial auto marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More HUB International vs Nationwide Comparisons
Other Commercial Auto Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Commercial Auto Insurance Broker Policy & Coverage. 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.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Commercial Auto Insurance – Request a Quote – Nationwide. Nationwide; Commercial auto coverage overview; vehicles used in business operations. Accessed 2026-09-30.
Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
- Auto Insurance. NAIC; Coverages. Accessed 2026-09-16.
- 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.
- Business Auto Coverage Form. 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.
