---
title: "TechInsurance vs The Hartford Commercial Auto Insurance"
description: "TechInsurance reports a $245 median monthly premium and names exclusions; The Hartford reports about $574 and lists executive and rental coverages."
canonical: "https://spot.insure/compare/techinsurance-vs-the-hartford/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# TechInsurance vs The Hartford Commercial Auto Insurance

TechInsurance reports a $245 median monthly premium and names exclusions; The Hartford reports about $574 and lists executive and rental coverages.

## Research Scope and Use

Use this comparison to evaluate TechInsurance 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

Both describe commercial auto liability and physical damage, but TechInsurance names hired-and-non-owned and garage-keepers gaps and a $245 median monthly premium. The Hartford lists additional options such as drive-other-car and rental reimbursement, reports about $574 a month on average, and sends small-business buyers to an agency or Tivly. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [7](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [1](https://www.techinsurance.com/about-us "About TechInsurance") [2](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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. [4](https://www.thehartford.com/legal-notice "Legal Notice") [5](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [6](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. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Commercial Auto Insurance

### What Each Page Says the Policy Does and Does Not Pay

TechInsurance and The Hartford both list bodily injury and property damage liability, medical payments or related medical cover, uninsured-motorist coverage, and optional collision and comprehensive. The Hartford also lists drive-other-car coverage for executives and rental car coverage. TechInsurance instead spells out that commercial auto does not cover personal, leased or rented vehicles used for work, a newly purchased vehicle not yet scheduled, or damage to a customer’s vehicle in the business’s care. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [7](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

The Hartford also excludes unrelated medical expenses, contents inside the vehicle, accidents in an employee’s personal vehicle for personal reasons, and rental reimbursement beyond stated terms. Read both exclusion lists against the same vehicle schedule. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [7](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

### Published Cost Figures

TechInsurance says its commercial auto customers pay a median of $245 per month. The Hartford reports about $574 a month ($6,884 a year) for its customers. Neither figure is a quote for your fleet; both say premium depends on vehicles, driving records and limits. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [7](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

### Role, Insurer and Access

The Hartford underwrites commercial auto and does not currently sell it online for small businesses, directing buyers to a local agency or Tivly. TechInsurance arranges commercial auto and does not name the issuing insurer on the reviewed page. The Hartford names industries such as consulting, retail, technology and restaurants; TechInsurance focuses on state requirements for business-registered vehicles, with New Hampshire as the stated exception to a mandate. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [7](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## What to Confirm in Commercial Auto Insurance Quotes

- Ask whether rented, employee-owned or customer vehicles need hired and non-owned auto or garage keepers in addition to commercial auto. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business")
- Ask The Hartford if drive-other-car and rental reimbursement are on the quote. [7](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- Compare liability limits and deductibles rather than the published medians and averages. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [7](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- Get the issuing insurer on a TechInsurance placement and confirm The Hartford is the paper on a Hartford quote. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [7](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## Offering Details

| Criteria | TechInsurance Commercial Auto Insurance | The Hartford Commercial Auto Insurance |
| --- | --- | --- |
| Role in This Line | TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: 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. [7](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 reviewed page does not name the issuing insurer for a commercial auto policy. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Not publicly disclosed; scope: Commercial auto product page as read on 2026-09-23..) | Not described in the reviewed sources. |
| Who It’s For | 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. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: 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. [7](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 | 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. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page; general policy description, not a specific policy form..)<br><br>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). [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: 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. [7](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 | 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. [3](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: 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. [7](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..) |
| How to Apply | 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. [7](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

- [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-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.
- [TechInsurance vs The Hartford Business Owner’s Policy](https://spot.insure/compare/techinsurance-vs-the-hartford/business-owners-policy)
- [TechInsurance vs The Hartford Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/commercial-property)
- [TechInsurance vs The Hartford Cyber Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/cyber)
- [TechInsurance vs The Hartford D&O Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/directors-officers)
- [TechInsurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/employment-practices)
- [TechInsurance vs The Hartford General Liability Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/general-liability)
- [TechInsurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/inland-marine)
- [TechInsurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/professional-errors-omissions)
- [TechInsurance vs The Hartford Tech E&O Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/technology-errors-omissions)
- [TechInsurance vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/workers-compensation)
- [Alliance Risk vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/commercial-auto)
- [Alliance Risk vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-auto)
- [Chubb vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-techinsurance/commercial-auto)
- [Chubb vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-the-hartford/commercial-auto)
- [Corgi vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-techinsurance/commercial-auto)
- [Corgi vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-the-hartford/commercial-auto)

## Sources

### TechInsurance

1. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
2. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
3. [Commercial Auto Insurance Coverage for a Small Business](https://www.techinsurance.com/commercial-auto-insurance). TechInsurance; What does commercial auto liability insurance cover? (bodily injury/property damage liability, medical payments/PIP, uninsured motorists, collision/comprehensive); How much does commercial auto insurance cost?; Are you required by law to purchase commercial auto insurance?; Who does a commercial auto policy insure?. Accessed 2026-09-23.

### The Hartford

4. [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.
5. [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.
6. [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.
7. [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

8. [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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