TechInsurance vs The Hartford Commercial Auto Insurance

TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. ³Company-reported. Commercial auto product page.

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. ⁷Company-reported. Commercial auto product page as read 2026-09-23.

The reviewed page does not name the issuing insurer for a commercial auto policy. ³Not publicly disclosed. Commercial auto product page as read on 2026-09-23.

Not described in the reviewed sources.

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. ³Company-reported. Commercial auto product page, Are you required by law to purchase commercial auto insurance? section.

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. ⁷Company-reported. Commercial auto product page as read 2026-09-23.

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. ³Company-reported. 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). ³Company-reported. Commercial auto product page, What isn't covered section.

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. ⁷Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls.

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. ³Company-reported. Commercial auto product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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. ⁷Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit.

Not described in the reviewed sources.

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. ⁷Company-reported. Commercial auto product page as read 2026-09-23.