- Our expert take
- The Hartford commercial auto insurance at a glance
- How much does The Hartford commercial auto insurance cost?
- How does The Hartford determine commercial auto insurance rates?
- What does The Hartford commercial auto insurance cover?
- What types of vehicles does The Hartford insure?
- How does The Hartford compare to competitors?
- Compare commercial auto insurance companies
- How can I buy The Hartford commercial vehicle insurance?
- FAQs: The Hartford commercial auto insurance guide
Our expert take
The Hartford has a strong financial rating and offers a broad range of commercial auto insurance coverage options.It provides customers a way to submit claims and request coverage changes online, making policy management convenient. The Hartford also is one of the few small business insurers that publishes average rates online so you can see how much you might pay before getting a quote to get an exact amount. You can get a rate quote online with The Hartford, but you’ll have to contact an agent to finish buying your policy.
- Receives fewer complaints than expected for a company its size
- Publishes average rates online
- Allows customers to submit claims and request coverage changes online
- Doesn’t advertise discounts online
The Hartford commercial auto insurance at a glance
| Review category | Details |
|---|---|
| AM Best rating | A+ |
| NAIC Complaint Index | 0.94 |
| Available in | National |
| Best for | Small business owners who prioritize the ability to manage their policies online |
| Not ideal for | Small business owners seeking the lowest average premiums |
How much does The Hartford commercial auto insurance cost?
The average small business insurance customer pays $574 per month for commercial auto insurance, according to The Hartford. Compare that to the national average for commercial auto insurance, which is $147 per month, according to Insurance.com research.
To find out how much The Hartford's commercial auto insurance would cost for your business, request a personalized quote. Checking prices from The Hartford and other insurance companies will help you determine who offers the most affordable commercial auto insurance for your specific business situation.
How does The Hartford determine commercial auto insurance rates?
The Hartford determines your commercial car insurance rates after assessing your business’s risk profile. Main factors that influence cost include:
- Number, type and age of vehicles
- Vehicle use
- Driving history
- Claims history
- Industry
- Location
- Coverage types, limits and deductibles
Does The Hartford offer any commercial auto discounts for business owners?
Yes, The Hartford offers a range of discounts that may lower your commercial auto premium.
The Hartford doesn’t specifically mention commercial auto insurance discounts on its website. However, there typically are ways to reduce costs. Here are some ways to potentially save money on your commercial auto insurance policy:
- Bundling discount: Many insurers provide a discount for bundling commercial auto insurance with another policy, like general liability insurance.
- Paid-in-full discount: You can sometimes earn a small discount if you pay your annual premium upfront and in full at the start of the policy period.
- Good driver discount: If your employees have clean driving records with no recent accidents or violations, The Hartford might give you a discount on your commercial auto insurance premium.
Talk to The Hartford agent about what discounts you may be eligible for.
What does The Hartford commercial auto insurance cover?
What is covered by The Hartford's commercial auto insurance policy depends on what coverage you pick to be a part of it. The most basic policy will include liability insurance and, if your state requires it, uninsured/underinsured motorist, personal injury protection (PIP), or medical payments (MedPay). A full coverage policy will also include collision and comprehensive, so your vehicle has protection.
Here’s a look at what a robust full coverage policy would have included, and what optional coverage could still be added to it with The Hartford.
| Coverage type | Good to know |
|---|---|
| Bodily injury liability | Required by states. Covers injuries you cause to others; required everywhere; limits vary by state. |
| Property damage liability | Required by states. Covers property damage you cause to others' property; usually optional. |
| Collision | Optional. If you have a lease or loan on a vehicle, the lender may mandate you have it. Covers damage or loss from business-use accidents. |
| Comprehensive | Optional. If you have a lease or loan on a vehicle, the lender may mandate you have it. Covers damage or loss from weather, theft, fire and more. |
| UM/UIM | Requirements vary by state. Covers damage or loss from accidents caused by uninsured and underinsured drivers. |
| PIP or MedPay | Availability and requirements vary by state. Covers medical expenses and related costs for you and your passengers after an accident, regardless of fault. |
| Hired and non-owned auto | Optional. Coverage for rented or employee-owned vehicles used for business. |
| Roadside assistance | Optional. Covers towing, battery jumps, flat tires and lockouts. |
| Rental reimbursement | Optional. Covers rental vehicle while business vehicle is out of service for an approved claim. |
| Trailer/cargo | Requirements vary by state. Covers trailers and cargo you use for business, but don’t own. |
| Any auto | Availability varies by state. Covers both hired and nonowned vehicles, such as an employee’s personal car used for business. |
What is included in The Hartford'scommercial auto insurance?
Standard coverages offered through The Hartford's commercial auto insurance may include:
- Liability: Pays for injuries to others and damage to other cars or property when you or your driver is at fault for an auto accident. Limits can be split, such as $25,000 per person, $50,000 per accident for bodily injury and $25,000 per accident for property damage. A combined commercial auto insurance liability limit is typically used for medium- or large-sized vehicles that require higher limits, such as $300,000 for all bodily injuries and property damage.
- Uninsured/underinsured motorist (UM/UIM): Pay for injuries associated with an accident where the at-fault driver either has no insurance or lacks enough coverage to pay for your losses entirely. Depending on the state, it may include uninsured motorist property damage (UMPD), which pays for damage to your vehicle.
- Personal injury protection (PIP): Pays for accident-related medical expenses for you or your passengers, as well as lost wages and services such as childcare that you’re unable to do because of injuries.
- Medical payments (MedPay): Pays for injuries your driver and passengers incur in an auto accident, up to your policy limits.
- Collision: Pays to repair or replace your vehicle if it hits another object, overturns, rolls or is in a collision with another car, regardless of fault. Collision insurance comes with a deductible.
- Comprehensive: Pays to repair or replace the vehicle if it’s damaged by certain events listed on your policy, such as theft, vandalism, fire, or severe weather. Comprehensive insurance comes with a deductible.
Does The Hartford offer optional or industry-specific coverage options?
Optional commercial auto insurance coverage types offered by The Hartford include:
- Hired auto: Extend coverage to employee-owned or rented vehicles when used for business purposes.
- Non-owned autos: Extends liability coverage to employee-owned vehicles used for business reasons.
- Rental reimbursement: Pays for a rental car while your business vehicle is in the shop for claim-related repairs.
The Hartford also offers “drive other car” coverage, which covers business executives and their spouses if they drive vehicles that aren’t insured on your commercial auto insurance policy.
What types of vehicles does The Hartford insure?
Commercial auto insurance with The Hartford protects a broad range of vehicles, including:
- Business autos: Such as cars, light trucks, SUVs and vans
- Trucks: The Hartford covers a variety of trucks, from box trucks to tow trucks and food trucks
- Trailers: This includes Pickup truck utility trailers, dump trailers and dry freight trailers
How does The Hartford compare to competitors?
The Hartford is the tenth-largest commercial auto insurance company by market share. It controls 2% of the commercial auto insurance market, according to a March 2025 NAIC report. It receives fewer complaints than other competitors its size.
Use Insurance.com’s commercial auto comparison tool to gain more insight into how The Hartford compares with top competitors.
How can I buy The Hartford commercial vehicle insurance?
Once you've gotten a quote from The Hartford, you will receive a call from the company to discuss the quote and have the option proceed with purchase.
You should have these items handy when buying The Hartford policy:
- Names, license numbers and driving record information (tickets or accidents) for all the workers who will operate business vehicles
- Business vehicle details, including make, model, year and VIN
- Your business location and intended use of each vehicle
- Estimated annual mileage for each vehicle
- Desired coverage types, policy limits and deductible amounts
Expert tips: How can I save money on The Hartford commercial auto insurance? Commercial auto insurance is a necessary expense for small business owners. Here are some strategies to save on commercial auto insurance and ensure you’re getting the best rate for your policy.
- Compare rates. Insurers — including The Hartford — assess risk differently. Request quotes from at least three companies to ensure you’re paying a competitive price for the coverage and limits your business needs.
- Bundle policies. If you already carry BOP or other commercial coverage with The Hartford, ask about bundling your auto policy to unlock savings.
- Check for discounts. Check with The Hartford agents about available discounts or savings programs you may be eligible for.
- Review your coverage choices. Reevaluate your The Hartford policy each year. Review your limits, deductibles and optional add-ons to confirm they align with your actual risks. If it fits your situation, raising your deductible often lowers costs.
FAQs: The Hartford commercial auto insurance guide
How do I file a commercial auto claim with The Hartford?
To file a claim with The Hartford, you can use the company portal, app or call them directly at (800) 892-8484
Can I bundle my commercial auto insurance with other policies from The Hartford?
The Hartford policyholders can bundle commercial auto insurance with other The Hartford business insurance, like a business owner's policy (BOP) or general liability. While The Hartford doesn’t promote a bundling discount, you still may be able to save money if you bundle two or more policies.
Does The Hartford offer fleet insurance?
Yes, The Hartford offers coverage for your entire fleet and also works with fleet telematic devices to protect companies that have multiple vehicles. Talk to an agent to learn more about The Hartford's commercial auto fleet program.
