---
title: "HUB International vs The Hartford Commercial Auto Insurance"
description: "HUB brokers fleet commercial auto with haul options; The Hartford underwrites the product for named small-business trades and will not sell it online."
canonical: "https://spot.insure/compare/hub-international-vs-the-hartford/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# HUB International vs The Hartford Commercial Auto Insurance

HUB brokers fleet commercial auto with haul options; The Hartford underwrites the product for named small-business trades and will not sell it online.

## Research Scope and Use

Use this comparison to evaluate HUB International and The Hartford 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 places commercial auto for fleets and transportation providers and lists long- and short-haul, hired and non-owned, towing and lease gap. The Hartford describes its own commercial auto options and a $574 monthly average, and sends small businesses to a local agency or Tivly instead of an online purchase. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Commercial Auto Insurance?

Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Commercial Auto Insurance

### Brokered Fleet Programs Versus a Hartford Form

HUB brokers commercial auto rather than underwriting it. The Hartford describes commercial auto as covering property damage and medical expenses when company vehicles cause an accident. A HUB quote names whichever market it placed; a Hartford quote is The Hartford, reached through an agency or Tivly because the company does not currently sell this line online for small businesses. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

### 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. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

### 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. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## What to Confirm in Commercial Auto Insurance Quotes

- Confirm The Hartford path (agency versus Tivly) and HUB’s selected insurer. [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")
- Ask for drive-other-car on The Hartford quote and towing or lease gap on HUB’s. [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")
- Do not treat $574 a month as your Hartford rate; HUB has no published average. [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- If you haul for hire, confirm HUB’s long-haul markets; The Hartford’s named trades are retail and service, not motor carrier. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## Offering Details

| Criteria | HUB International Commercial Auto Insurance Brokerage | The Hartford 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..) | 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. [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |
| 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..) | Not described in the reviewed sources. |
| 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 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. [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [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..) | 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. [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| Limits and Retentions | Not described in the reviewed sources. | The Hartford reports average commercial auto costs of about $574 a month ($6,884 a year) for its customers; the page does not publish standard liability limits, which it says depend on business type, vehicle type, driving records, cargo and location. [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit..) |
| 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..) | 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. [8](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |

## Full Comparison

- [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford): 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 The Hartford Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-the-hartford/business-owners-policy)
- [HUB International vs The Hartford Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/commercial-property)
- [HUB International vs The Hartford Crime Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/crime)
- [HUB International vs The Hartford Cyber Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/cyber)
- [HUB International vs The Hartford D&O Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/directors-officers)
- [HUB International vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/employment-practices)
- [HUB International vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/fiduciary)
- [HUB International vs The Hartford General Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/general-liability)
- [HUB International vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/hired-non-owned-auto)
- [HUB International vs The Hartford Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/inland-marine)
- [HUB International vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/kidnap-ransom)
- [HUB International vs The Hartford Management Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/management-liability)
- [HUB International vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/professional-errors-omissions)
- [HUB International vs The Hartford Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/technology-errors-omissions)
- [HUB International vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/workers-compensation)
- [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto)
- [Alliance Risk vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-auto)
- [Chubb vs HUB International Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-auto)
- [Chubb vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-the-hartford/commercial-auto)
- [Corgi vs HUB International Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/commercial-auto)
- [Corgi vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-the-hartford/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.

### The Hartford

5. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
8. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Banner: The Hartford does not currently offer this coverage online for small businesses; What Does Commercial Auto Insurance Cover?; What Is Not Covered?; What Types of Vehicles Are Covered?; Do I Need Commercial Auto Insurance?; How Much Does Commercial Auto Insurance Cost?. Accessed 2026-09-23.

### Commercial Auto Insurance Guide

9. [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.

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