--- title: "HUB International vs Travelers Commercial Auto Insurance" description: "Travelers underwrites standalone commercial auto up to $1 million with CoveragePlus; HUB brokers fleet programs and analytics without naming the issuer." canonical: "https://spot.insure/compare/hub-international-vs-travelers/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-travelers/commercial-auto) # HUB International vs Travelers Commercial Auto Insurance Travelers underwrites standalone commercial auto up to $1 million with CoveragePlus; HUB brokers fleet programs and analytics without naming the issuer. ## Research Scope and Use Use this comparison to evaluate HUB International and Travelers 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 Travelers writes commercial auto itself, advertises liability up to $1 million, and offers Select Auto CoveragePlus and roadside assistance through independent agents. HUB International brokers the line for fleets and transportation providers, lists haul and hired-auto options, and uses analytics rather than issuing the policy. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & 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 Travelers Insurance? Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## 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 ### Who Carries the Risk Travelers underwrites commercial auto as a standalone policy, not part of a Travelers BOP. HUB brokers commercial auto for fleets and transportation businesses and does not name an issuing insurer on the reviewed page. One side is the carrier; the other is the placing broker. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") ### Coverage Options on Each List Travelers covers liability, physical damage to owned, leased, hired or borrowed vehicles, collision, comprehensive and uninsured drivers, and sells Select Auto CoveragePlus items such as lease gap, employee hired auto and blanket additional insured, plus hired and non-owned auto. HUB lists long- and short-haul transportation, hired and non-owned auto, uninsured motorists, medical payments, towing and lease gap. Lease gap and hired auto appear on both menus; Travelers names CoveragePlus endorsements, HUB names haul length and towing. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") ### Risk Control and Related Services Travelers says commercial auto customers can draw on more than 600 Risk Control consultants, a dedicated Claim team and Travelers Roadside Assistance Coverage. HUB says it applies risk and analytics tools to benchmark programs and reduce total cost of risk, and points commercial auto clients to Fleet Risk Management and Workplace Safety Management. Both describe extra services around the placement, not the same named tools. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") ## What to Confirm in Commercial Auto Insurance Quotes - Compare Travelers’ quoted limit with HUB’s market, including the advertised $1 million figure. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") - Ask whether HUB would place Travelers or another carrier, and which CoveragePlus items apply. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") - If you truck for hire, ask Travelers about Northland and HUB about long-haul markets. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") - Clarify roadside assistance (Travelers) versus fleet analytics (HUB) as separate services. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") ## Offering Details | Criteria | HUB International Commercial Auto Insurance Brokerage | Travelers 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..) | Travelers underwrites commercial auto insurance as a standalone policy; it is not included in a Travelers Business Owner's Policy and must be purchased separately. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (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..) | 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..) | Travelers covers passenger vehicles, vans, light and heavy trucks, truck trailers, vehicle fleets and specialty vehicles, and offers industry-specific versions for the public sector, oil and gas, and trucking (through its Northland division). [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page FAQ and industry-specific coverage sections..) | | 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..) | Travelers says the policy covers liability for bodily injury and property damage, physical damage to owned, leased, hired or borrowed vehicles, collision, comprehensive, and damages caused by uninsured or underinsured drivers. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "What does commercial auto insurance cover?" and "Protect your business on the road" sections; exclusions and state variation apply..)

Travelers offers optional Select Auto CoveragePlus enhancements, including auto lease gap coverage, employee hired auto coverage and blanket additional insured coverage, plus separate hired and non-owned auto coverage for rented or employee-owned vehicles used for work. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "Additional coverage options" and "Hired and non-owned auto coverage" sections..) | | Limits and Retentions | Not described in the reviewed sources. | Travelers advertises liability coverage limits of up to $1 million for bodily injury and property damage to others; other limits and deductibles are not published and depend on the quote. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "Protect your business on the road" section..) | | 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..) | Travelers says commercial auto customers can draw on more than 600 Risk Control consultants and a dedicated Claim team, plus Travelers Roadside Assistance Coverage. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page Risk Control, Claim and Roadside Assistance sections..) | | 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..) | You buy commercial auto insurance through a Travelers independent agent, who reviews business operations and vehicles to select coverage. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "How do I purchase commercial auto insurance?" FAQ..) | ## Full Comparison - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers): 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 Travelers Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-travelers/business-owners-policy) - [HUB International vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-travelers/cargo-transit) - [HUB International vs Travelers Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-property) - [HUB International vs Travelers Crime Insurance](https://spot.insure/compare/hub-international-vs-travelers/crime) - [HUB International vs Travelers Cyber Insurance](https://spot.insure/compare/hub-international-vs-travelers/cyber) - [HUB International vs Travelers D&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/directors-officers) - [HUB International vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/employment-practices) - [HUB International vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-travelers/equipment-breakdown) - [HUB International vs Travelers Fidelity Bonds](https://spot.insure/compare/hub-international-vs-travelers/fidelity-bonds) - [HUB International vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/fiduciary) - [HUB International vs Travelers General Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/general-liability) - [HUB International vs Travelers Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-travelers/inland-marine) - [HUB International vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-travelers/kidnap-ransom) - [HUB International vs Travelers Management Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/management-liability) - [HUB International vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-travelers/professional-errors-omissions) - [HUB International vs Travelers Surety Bonds](https://spot.insure/compare/hub-international-vs-travelers/surety-bonds) - [HUB International vs Travelers Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/technology-errors-omissions) - [HUB International vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/umbrella-excess) - [HUB International vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-travelers/workers-compensation) - [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto) - [Alliance Risk vs Travelers Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/commercial-auto) - [Chubb vs HUB International Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-auto) - [Chubb vs Travelers Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-travelers/commercial-auto) - [Corgi vs HUB International Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/commercial-auto) - [Corgi vs Travelers Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-travelers/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. ### Travelers 5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 8. [Commercial Auto Insurance | Get A Quote | Travelers Insurance](https://www.travelers.com/business-insurance/commercial-auto). Travelers; What is commercial auto insurance?; What does commercial auto insurance cover?; Protect your business on the road (liability, physical damage, collision, comprehensive); Additional coverage options (Select Auto CoveragePlus); commercial auto FAQ. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-travelers/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)