The Hartford vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance?

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. ⁴Company-reported. Commercial auto product page as read 2026-09-23.

THREE presents Business Auto as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. ⁷Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.

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The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁶Company-reported. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy.

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. ⁴Company-reported. Commercial auto product page as read 2026-09-23.

The reviewed product page does not state separate eligibility rules for Business Auto; the general quote and advisor route is not proof that a particular business qualifies for it. ^7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

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. ⁴Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls.

THREE's Business Owners Policy page lists Business Auto among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. ^7,6Company-reported. Official THREE package marketing for Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

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. ⁴Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit.

The reviewed public product page does not state a separate limit or deductible for Business Auto; THREE says the quote-specific insurance summary lists limits and deductibles. ^7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

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. ⁴Company-reported. Commercial auto product page as read 2026-09-23.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁵Company-reported. This is the route for the overall THREE product. It does not show whether Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy.