--- title: "The Hartford vs Travelers Commercial Auto Insurance" description: "Travelers advertises $1 million liability and CoveragePlus; The Hartford lists drive-other-car and rental cover and an average premium." canonical: "https://spot.insure/compare/the-hartford-vs-travelers/commercial-auto" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/the-hartford-vs-travelers/commercial-auto) # The Hartford vs Travelers Commercial Auto Insurance Travelers advertises $1 million liability and CoveragePlus; The Hartford lists drive-other-car and rental cover and an average premium. ## Research Scope and Use Use this comparison to evaluate The Hartford and Travelers 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 Travelers underwrites standalone commercial auto with advertised liability limits up to $1 million, CoveragePlus enhancements and hired/non-owned auto sold through independent agents. The Hartford lists a similar liability and physical-damage menu plus drive-other-car and rental coverage, reports about $574 a month on average, and does not sell the line online for small businesses. [4](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") ## 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. [1](https://www.thehartford.com/legal-notice "Legal Notice") [2](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [3](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) ## What Is Travelers Insurance? Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## What Is Commercial Auto Insurance? Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") ## Key Differences in Commercial Auto Insurance ### How the Policy Is Sold Travelers underwrites commercial auto as a standalone policy that is not inside its Business Owner’s Policy. The Hartford describes commercial auto as coverage for accidents in company vehicles and says it does not currently sell that line online for small businesses, routing buyers to a local agency or Tivly. Travelers sells through independent agents who review operations and vehicles. [4](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [8](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. [4](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [8](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. [4](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [8](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. [4](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") ## What to Confirm in 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. [8](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. [4](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") - Confirm the buying path: independent Travelers agent versus Hartford agency or Tivly. [4](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [8](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. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") [4](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") ## Offering Details | Criteria | The Hartford Commercial Auto Insurance | Travelers Commercial Auto Insurance | | --- | --- | --- | | 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. [4](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. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Commercial auto product page..) | | 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. [4](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). [8](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..) | | 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. [4](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. [8](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..)

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. [8](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..) | | 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. [4](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. [8](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..) | | Risk Services | 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. [8](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page Risk Control, Claim and Roadside Assistance 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. [4](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. [8](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..) | ## Full Comparison - [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 insurance can cover your business's liability on the road and damage to the vehicles you insure. - [The Hartford vs Travelers Business Owner’s Policy](https://spot.insure/compare/the-hartford-vs-travelers/business-owners-policy) - [The Hartford vs Travelers Commercial Property Insurance](https://spot.insure/compare/the-hartford-vs-travelers/commercial-property) - [The Hartford vs Travelers Crime Insurance](https://spot.insure/compare/the-hartford-vs-travelers/crime) - [The Hartford vs Travelers Cyber Insurance](https://spot.insure/compare/the-hartford-vs-travelers/cyber) - [The Hartford vs Travelers D&O Insurance](https://spot.insure/compare/the-hartford-vs-travelers/directors-officers) - [The Hartford vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/employment-practices) - [The Hartford vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/fiduciary) - [The Hartford vs Travelers General Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/general-liability) - [The Hartford vs Travelers Inland Marine Insurance](https://spot.insure/compare/the-hartford-vs-travelers/inland-marine) - [The Hartford vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/the-hartford-vs-travelers/kidnap-ransom) - [The Hartford vs Travelers Management Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/management-liability) - [The Hartford vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/the-hartford-vs-travelers/professional-errors-omissions) - [The Hartford vs Travelers Tech E&O Insurance](https://spot.insure/compare/the-hartford-vs-travelers/technology-errors-omissions) - [The Hartford vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/the-hartford-vs-travelers/workers-compensation) - [Alliance Risk vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-auto) - [Alliance Risk vs Travelers Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/commercial-auto) - [Chubb vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-the-hartford/commercial-auto) - [Chubb vs Travelers Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-travelers/commercial-auto) - [Corgi vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-the-hartford/commercial-auto) - [Corgi vs Travelers Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-travelers/commercial-auto) ## Sources ### The Hartford 1. [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. 2. [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. 3. [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. 4. [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. ### Travelers 5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 8. [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. ### Commercial Auto Insurance Guide 9. [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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/the-hartford-vs-travelers/commercial-auto.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)