The Hartford vs Travelers 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.

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. ⁸Company-reported. Commercial auto product page.

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.

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). ⁸Company-reported. Product page FAQ and industry-specific coverage sections.

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.

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. ⁸Company-reported. 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. ⁸Company-reported. Product page "Additional coverage options" and "Hired and non-owned auto coverage" sections.

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.

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. ⁸Company-reported. Product page "Protect your business on the road" section.

Not described in the reviewed sources.

Travelers says commercial auto customers can draw on more than 600 Risk Control consultants and a dedicated Claim team, plus Travelers Roadside Assistance Coverage. ⁸Company-reported. Product page Risk Control, Claim and Roadside Assistance sections.

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.

You buy commercial auto insurance through a Travelers independent agent, who reviews business operations and vehicles to select coverage. ⁸Company-reported. Product page "How do I purchase commercial auto insurance?" FAQ.