--- title: "The Hartford Commercial Auto Insurance" description: "What The Hartford Commercial Auto Insurance covers, who it’s for, and its limits and retentions, cited to The Hartford’s own published sources." canonical: "https://spot.insure/insurance-providers/the-hartford/commercial-auto" page-type: "offering-page" 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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/the-hartford/commercial-auto) # The Hartford Commercial Auto Insurance The Hartford 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. [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.) ## 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.) ## 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.) ## 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.) ## 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.) ## The Hartford Commercial Auto Insurance Compared - [The Hartford vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-auto) - [The Hartford vs Chubb](https://spot.insure/compare/chubb-vs-the-hartford/commercial-auto) - [The Hartford vs Corgi](https://spot.insure/compare/corgi-vs-the-hartford/commercial-auto) - [The Hartford vs Coverdash](https://spot.insure/compare/coverdash-vs-the-hartford/commercial-auto) - [The Hartford vs Embroker](https://spot.insure/compare/embroker-vs-the-hartford/commercial-auto) - [The Hartford vs Gallagher](https://spot.insure/compare/gallagher-vs-the-hartford/commercial-auto) ## Other The Hartford Coverage Lines - [The Hartford Business Owner’s Policy](https://spot.insure/insurance-providers/the-hartford/business-owners-policy) - [The Hartford Commercial Property Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-property) - [The Hartford Cyber Insurance](https://spot.insure/insurance-providers/the-hartford/cyber) - [The Hartford Employment Practices Liability Insurance](https://spot.insure/insurance-providers/the-hartford/employment-practices) - [The Hartford General Liability Insurance](https://spot.insure/insurance-providers/the-hartford/general-liability) - [The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/the-hartford/hired-non-owned-auto) - [The Hartford Inland Marine Insurance](https://spot.insure/insurance-providers/the-hartford/inland-marine) - [The Hartford Management Liability Insurance](https://spot.insure/insurance-providers/the-hartford/management-liability) - [The Hartford Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) ## Related - [The Hartford Profile](https://spot.insure/insurance-providers/the-hartford) - [The Hartford Reliability](https://spot.insure/insurance-providers/the-hartford/reliability) - [The Hartford Alternatives](https://spot.insure/insurance-providers/the-hartford/alternatives) - [Coverage Guide: Commercial auto](https://spot.insure/coverage/commercial-auto) ## Sources 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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