HUB International vs TechInsurance: How Do They Compare for Commercial Auto Insurance?

HUB International targets fleets and transportation providers and asks you to contact a broker; TechInsurance reports a median of $245 a month and lists exclusions like rented vehicles.

HUB lists haul, hired/non-owned and fleet options; TechInsurance describes auto for business-registered vehicles, reports a $245 monthly median and flags hired/non-owned needs. ^1,²

What Are the Key Differences Between HUB International and TechInsurance Commercial Auto Insurance?

Fleet Haul Options vs. Owned-Vehicle Price Benchmark

TechInsurance says almost every state requires commercial auto for business-registered vehicles and reports a median premium of $245 per month. Choose TechInsurance if you own registered business vehicles and want a price benchmark; choose HUB if you operate a fleet needing long- or short-haul options and analytics. ¹ ²

Hired and Non-Owned Auto on Each Page

HUB lists hired and non-owned auto among commercial auto coverage options, along with uninsured motorists, medical payments, towing and lease gap. TechInsurance treats personal, leased or rented work vehicles as outside commercial auto and says they need hired and non-owned auto insurance, and also excludes a newly purchased unscheduled vehicle and garage-keepers exposures. HUB presents hired and non-owned as part of the auto conversation; TechInsurance presents it as a different product. ¹ ²

What Each Page Says About Price

TechInsurance says its commercial auto customers pay a median of $245 per month, with the figure depending on vehicle count and type, driving records, options, claims history, deductibles and limits. HUB’s commercial auto page does not publish premiums, deductibles or liability amounts. Treat the $245 figure as TechInsurance’s own book median, not a rate HUB has disclosed. ² ¹

What Should You Confirm in HUB International and TechInsurance Commercial Auto Insurance Quotes?

Ask whether hired and non-owned auto is included, endorsed or quoted as its own policy on each side. ¹ ²
Treat TechInsurance’s $245 median as its book figure; ask HUB for a comparable premium at the same limits. ² ¹
If you run long haul, confirm HUB’s markets and whether TechInsurance’s owned-vehicle product applies. ¹ ²
Get the issuing insurer from both quotes. ¹ ²

HUB International vs TechInsurance Commercial Auto Insurance Compared

HUB International vs TechInsurance: Commercial Auto Insurance: documented features by provider

Criteria	HUB International Commercial Auto Insurance Brokerage	TechInsurance Commercial Auto Insurance
Who It’s For	HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. ¹Company-reported. Product-page description; not a published underwriting appetite by fleet size or vehicle class.	TechInsurance says all states except New Hampshire require commercial auto insurance for vehicles registered to a business, with most states also setting minimum liability, and in some cases uninsured/underinsured motorist, coverage amounts. ²Company-reported. Commercial auto product page, Are you required by law to purchase commercial auto insurance? section.
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. ¹Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.	TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. ²Company-reported. Commercial auto product page; general policy description, not a specific policy form. TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). ²Company-reported. Commercial auto product page, What isn't covered section.
Role in This Line	HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. ¹Company-reported. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer.	TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. ²Company-reported. Commercial auto product page.

Criteria

HUB International Commercial Auto Insurance Brokerage

TechInsurance Commercial Auto Insurance

Who It’s For

HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. ¹Company-reported. Product-page description; not a published underwriting appetite by fleet size or vehicle class.

TechInsurance says all states except New Hampshire require commercial auto insurance for vehicles registered to a business, with most states also setting minimum liability, and in some cases uninsured/underinsured motorist, coverage amounts. ²Company-reported. Commercial auto product page, Are you required by law to purchase commercial auto insurance? section.

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. ¹Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.

TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. ²Company-reported. Commercial auto product page; general policy description, not a specific policy form.

TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). ²Company-reported. Commercial auto product page, What isn't covered section.

Role in This Line

HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. ¹Company-reported. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer.

TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. ²Company-reported. Commercial auto product page.