---
title: "The Hartford vs Travelers: Commercial Auto Insurance"
description: "Travelers offers standalone auto up to $1 million, CoveragePlus and Risk Control services; The Hartford lists executive drive-other-car and rental cover and reports about $574 average monthly cost."
canonical: "https://spot.insure/compare/the-hartford-vs-travelers/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "the-hartford-vs-travelers"
provider-a: "the-hartford"
provider-b: "travelers"
coverage-line: "commercial-auto"
---

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[Human-readable page](https://spot.insure/compare/the-hartford-vs-travelers/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of The Hartford and Travelers for Commercial Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Auto Insurance questions about The Hartford versus Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- The Hartford vs Travelers for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, The Hartford or Travelers?
- What does The Hartford or Travelers publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: The Hartford and Travelers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [The Hartford vs Travelers](https://spot.insure/compare/the-hartford-vs-travelers) — all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — how this coverage works
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# The Hartford vs Travelers: How Do They Compare for Commercial Auto Insurance?

The Hartford reports average costs near $574 a month and sends small businesses to a local agency or Tivly; Travelers sells commercial auto standalone through independent agents, with limits up to $1 million.

Travelers publishes up to $1 million liability and CoveragePlus; The Hartford lists executive coverage and reports an average cost around $574.

## The Hartford vs Travelers Commercial Auto Insurance Summary

Travelers offers standalone auto up to $1 million, CoveragePlus and Risk Control services; The Hartford lists executive drive-other-car and rental cover and reports about $574 average monthly cost. [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [2](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")

## What Are the Key Differences Between The Hartford and Travelers Commercial Auto Insurance?

### Published Limits and Service Options

The Hartford directs small businesses to a local agency or Tivly and lists drive-other-car for executives and rental coverage. Travelers also sells through independent agents, lists CoveragePlus and roadside assistance, and publishes liability up to $1 million. [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [2](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")

### Published Limits Versus Average Premium

Travelers advertises liability coverage of up to $1 million for bodily injury and property damage to others. The Hartford does not publish standard liability limits and instead reports average commercial auto costs of about $574 a month ($6,884 a year) for its customers, with limits depending on business type, vehicles, driving records, cargo and location. [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [2](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")

### Optional Coverages Each Carrier Names

Both list liability, collision, comprehensive and uninsured or underinsured motorist cover. Travelers adds Select Auto CoveragePlus (auto lease gap, employee hired auto, blanket additional insured) and separate hired and non-owned auto. The Hartford lists drive-other-car coverage for executives and rental car coverage, and it excludes unrelated medical expenses, contents in the vehicle and personal use of an employee’s personal vehicle. [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [2](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")

### Industries, Vehicles and Risk Control

The Hartford names beauty shops, consulting, photography, retail, technology and restaurants, and vehicles from cars to box trucks. Travelers names passenger vehicles, vans, light and heavy trucks, trailers, fleets and specialty vehicles, plus public-sector, oil and gas, and Northland trucking versions. Travelers also says commercial auto customers can use more than 600 Risk Control consultants, a dedicated Claim team and Roadside Assistance Coverage; The Hartford’s reviewed auto page does not describe those services. [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [2](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")

## What Should You Confirm in The Hartford and Travelers Commercial Auto Insurance Quotes?

- Ask Travelers whether the quote uses the advertised $1 million liability limit and which CoveragePlus and hired/non-owned auto options apply. [2](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")
- Ask The Hartford for the actual liability limits and whether drive-other-car and rental coverage are included. [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- Confirm the buying path: independent Travelers agent versus Hartford agency or Tivly. [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [2](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")
- Compare deductibles, fleet eligibility (including Northland trucking) and roadside assistance. [2](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")

## The Hartford vs Travelers Commercial Auto Insurance Compared

| Criteria | The Hartford Commercial Auto Insurance | Travelers Commercial Auto Insurance |
| --- | --- | --- |
| Limits and Retentions | 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. [1](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..) | 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. [2](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..) |
| Who It’s For | 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. [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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). [2](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..) |
| How to Apply | 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. [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [2](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..) |
| Coverage Features | 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. [1](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..) | 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. [2](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..)<br><br>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. [2](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..) |
| Role in This Line | 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. [1](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [2](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Commercial auto product page..) |

## About The Hartford and Travelers and Commercial Auto Insurance

- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews)
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto)

## Related Pages for The Hartford vs Travelers Commercial Auto Insurance

- [The Hartford vs Travelers](https://spot.insure/compare/the-hartford-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [The Hartford Commercial Auto Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-auto)
- [Travelers Commercial Auto Insurance](https://spot.insure/insurance-providers/travelers/commercial-auto)

## Sources for The Hartford vs Travelers Commercial Auto Insurance

### Sources About The Hartford

1. [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.

### Sources About Travelers

2. [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.

Updated 2026-09-25. 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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