--- title: "HUB International vs TechInsurance Commercial Auto Insurance" description: "HUB lists fleet haul options and analytics; TechInsurance describes owned-vehicle cover, hired-auto exclusions and a $245 median premium." canonical: "https://spot.insure/compare/hub-international-vs-techinsurance/commercial-auto" page-type: "line-comparison" updated-at: "2026-09-23" --- 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, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-techinsurance/commercial-auto) # HUB International vs TechInsurance Commercial Auto Insurance HUB lists fleet haul options and analytics; TechInsurance describes owned-vehicle cover, hired-auto exclusions and a $245 median premium. ## Research Scope and Use Use this comparison to evaluate HUB International and TechInsurance 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. ## Summary HUB International brokers commercial auto for fleets, including long- and short-haul and hired and non-owned options plus fleet analytics. TechInsurance arranges commercial auto for businesses that own vehicles, reports a $245 monthly median, and says personal, leased or rented work vehicles need a separate hired and non-owned policy. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [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 TechInsurance? TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## What Is Commercial Auto Insurance? Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") ## Key Differences in Commercial Auto Insurance ### Fleet Haul Versus Owned-Vehicle Cover HUB brokers commercial auto for fleets and transportation providers. TechInsurance arranges commercial auto for businesses that own vehicles and says almost every state requires it for business-registered units. HUB’s list includes long- and short-haul transportation; TechInsurance’s reviewed page does not discuss haul length. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") ### 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. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") ### 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. [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") ## What to Confirm in Commercial Auto Insurance Quotes - Ask whether hired and non-owned auto is included, endorsed or quoted as its own policy on each side. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") - Treat TechInsurance’s $245 median as its book figure; ask HUB for a comparable premium at the same limits. [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") - If you run long haul, confirm HUB’s markets and whether TechInsurance’s owned-vehicle product applies. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") - Get the issuing insurer from both quotes. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") ## Offering Details | Criteria | HUB International Commercial Auto Insurance Brokerage | TechInsurance Commercial Auto Insurance | | --- | --- | --- | | 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..) | TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page..) | | 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..) | The reviewed page does not name the issuing insurer for a commercial auto policy. [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Not publicly disclosed; scope: Commercial auto product page as read on 2026-09-23..) | | 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..) | 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. [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: 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. [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..) | 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. [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: 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). [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page, What isn't covered section..) | | Limits and Retentions | Not described in the reviewed sources. | TechInsurance says its commercial auto customers pay a median of $245 per month, with the exact premium depending on number and type of vehicles, employee driving records and demographics, coverage options selected, claims history, and policy deductible and limits. [7](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | | 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..) | Not described in the reviewed sources. | | 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..) | Not described in the reviewed sources. | ## Full Comparison - [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance): all coverage lines, business roles, service and claims. - [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto insurance can cover your business's liability on the road and damage to the vehicles you insure. - [HUB International vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-techinsurance/business-owners-policy) - [HUB International vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/commercial-property) - [HUB International vs TechInsurance Cyber Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/cyber) - [HUB International vs TechInsurance D&O Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/directors-officers) - [HUB International vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/employment-practices) - [HUB International vs TechInsurance Fidelity Bonds](https://spot.insure/compare/hub-international-vs-techinsurance/fidelity-bonds) - [HUB International vs TechInsurance General Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/general-liability) - [HUB International vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/inland-marine) - [HUB International vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/professional-errors-omissions) - [HUB International vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/technology-errors-omissions) - [HUB International vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/umbrella-excess) - [HUB International vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/workers-compensation) - [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto) - [Alliance Risk vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/commercial-auto) - [Chubb vs HUB International Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-auto) - [Chubb vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-techinsurance/commercial-auto) - [Corgi vs HUB International Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/commercial-auto) - [Corgi vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-techinsurance/commercial-auto) ## Sources ### 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. ### TechInsurance 5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16. 7. [Commercial Auto Insurance Coverage for a Small Business](https://www.techinsurance.com/commercial-auto-insurance). TechInsurance; What does commercial auto liability insurance cover? (bodily injury/property damage liability, medical payments/PIP, uninsured motorists, collision/comprehensive); How much does commercial auto insurance cost?; Are you required by law to purchase commercial auto insurance?; Who does a commercial auto policy insure?. Accessed 2026-09-23. ### 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. Updated 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-techinsurance/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)