---
title: "HUB International vs The Hartford: Commercial Auto Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-the-hartford/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-the-hartford"
provider-a: "hub-international"
provider-b: "the-hartford"
coverage-line: "commercial-auto"
---

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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/hub-international-vs-the-hartford/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of HUB International and The Hartford for Commercial Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Auto Insurance questions about HUB International versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs The Hartford for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, HUB International or The Hartford?
- What does HUB International or The Hartford publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: HUB International and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) — all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 lists fleet-focused options; The Hartford lists executive drive-other-car and routes small businesses to agents.

## HUB International vs The Hartford Commercial Auto Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## 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](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & 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. [1](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [2](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. [1](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## 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](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](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. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](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. [2](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. [1](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## HUB International vs The Hartford Commercial Auto Insurance Compared

| 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. [1](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. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](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. [2](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. [1](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. [2](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..) |
| Role in This Line | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. [1](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. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |

## About HUB International and The Hartford and Commercial Auto Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto)

## Related Pages for HUB International vs The Hartford Commercial Auto

- [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 covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [HUB International Commercial Auto Insurance](https://spot.insure/insurance-providers/hub-international/commercial-auto)
- [The Hartford Commercial Auto Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-auto)

## Sources for HUB International vs The Hartford

### Sources About HUB International

1. [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.

### Sources About The Hartford

2. [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.

Updated 2026-09-25. 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-the-hartford/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)