HUB International vs 
The Hartford: How Do They Compare for Commercial Auto Insurance?
HUB International brokers fleets and transportation providers and describes no online quote flow; The Hartford does not sell commercial auto online to small businesses, directing them to a local agency or Tivly.
HUB serves fleets with haul, towing and lease-gap options; The Hartford lists drive-other-car and a broader auto menu, with small-business sales through agencies or Tivly. 1,2
What Are the Key Differences Between HUB International and The Hartford Commercial Auto Insurance?
Small-Business Options vs. Fleet Services
The Hartford lists liability, medical, physical-damage, rental and executive drive-other-car coverage and reports about $574 average monthly cost; it does not sell this line online to small businesses. Choose The Hartford if those coverage options fit and agency buying works; choose HUB if your fleet needs towing, lease-gap or haul options. 2 1
Haul Options Versus Drive-Other-Car
HUB lists long- and short-haul transportation, hired and non-owned auto, uninsured motorists, medical payments, towing and lease gap. The Hartford lists bodily injury and property damage liability, drive-other-car for executives, collision, comprehensive, medical payments, uninsured motorists and rental car coverage, and excludes unrelated medical bills, vehicle contents and personal-reason accidents in an employee’s personal car. Towing and lease gap appear on HUB’s list; drive-other-car appears on The Hartford’s. 1 2
Who Each Page Names
HUB speaks to fleet and transportation providers and offers analytics plus Fleet Risk Management. The Hartford names beauty shops, consulting, photography, retail, technology and restaurants, plus cargo vans, box trucks and service utility trucks, and reports about $574 a month as a customer average. HUB publishes no average premium. 1 2
What Should You Confirm in HUB International and The Hartford Commercial Auto Insurance Quotes?
- Confirm The Hartford path (agency versus Tivly) and HUB’s selected insurer. 2 1
- Ask for drive-other-car on The Hartford quote and towing or lease gap on HUB’s. 2 1
- Do not treat $574 a month as your Hartford rate; HUB has no published average. 2
- If you haul for hire, confirm HUB’s long-haul markets; The Hartford’s named trades are retail and service, not motor carrier. 1 2
HUB International vs The Hartford Commercial Auto Insurance Compared
HUB International vs The Hartford: Commercial Auto Insurance: documented features by provider
| Criteria | HUB International Commercial Auto Insurance Brokerage | The Hartford 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. | The Hartford says coverage requirements vary by state, and names industries it targets: beauty shops, consulting, photography, retail, technology and restaurants; covered vehicle types include cars, commercial cargo vans, commercial trucks, pickup trucks, box trucks and service utility trucks. 2Company-reported. Commercial auto product page as read 2026-09-23. |
| 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. 1Company-reported. Product-page call to action as read 2026-09-23. | The Hartford does not currently sell commercial auto coverage online for small businesses; it directs buyers to a local agency or to its partner Tivly for a quote instead of a self-serve online flow. 2Company-reported. Commercial auto product page as read 2026-09-23. |
| 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. | The Hartford lists common commercial auto coverage options: bodily injury liability, property damage liability, drive-other-car coverage for executives, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental car coverage. It excludes unrelated medical expenses, contents inside the vehicle, accidents in an employee's personal vehicle for personal reasons, and rental-vehicle repair costs while a company vehicle is being fixed. 2Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. | The Hartford's commercial auto insurance helps cover property damage and medical expenses when a business or its employees cause an accident using company vehicles. 2Company-reported. Commercial auto product page as read 2026-09-23. |
