Travelers pros

  • Has the strongest possible financial stability rating from AM Best
  • Offers a range of endorsements for customizable coverage
  • Allows customers to file commercial auto insurance claims online

Berkshire Hathaway pros

  • Stellar financial stability rating
  • Offers a broad range of coverage options
  • Offers coverage in all 50 states

How Travelers’ market share compares with Berkshire Hathaway’s

Travelers is the second-largest commercial auto insurance company by market share, with roughly 5.4% of the market, according to a March 2025 report from the National Association of Insurance Commissioners (NAIC), the standard-setting and regulatory support organization overseen by the country’s top insurance regulators. Berkshire Hathaway is the fifth-largest commercial auto insurer, with 3.7% of the market.

How Travelers’ direct premiums written compares with Berkshire Hathaway’s

Travelers has $3.9 billion in direct commercial auto insurance premiums written as of March 2025, according to the NAIC. Berkshire Hathaway has about $2.6 billion in direct premiums written. 

How Travelers’ NAIC complaint data compares with Berkshire Hathaway’s

When evaluating commercial car insurance companies, it’s a good idea to check the NAIC complaint index. The complaint index tracks the number of complaints an insurer receives compared to its market share.

An index of 1.0 means the company receives the expected number of complaints for its size. A score above 1.0 means it receives more complaints than expected, and a score below 1.0 means fewer complaints – a lower score is better.

In 2024, Travelers’ NAIC complaint index was 0.29, indicating that it received fewer complaints than expected. Berkshire Hathaway’s subsidiary, National Liability & Fire Insurance Company, had a complaint index of 3.5. 

How Travelers’ AM Best rating compares with Berkshire Hathaway’s

One of the most important considerations when choosing a commercial auto insurance company is financial stability. Before you pick an insurer, it’s a good idea to check its rating from AM Best, a credit rating agency that grades insurance companies based on their ability to meet financial obligations and pay claims. 

Travelers' most recent rating, as of August 2024, was A++. Berkshire Hathaway, as of April 2025, also had an A++ rating. An A++ is AM Best's highest rating. 

How Travelers’ rates compare with Berkshire Hathaway’s rates

Travelers doesn’t publish its commercial auto insurance rates online. To get a quote, you must contact an agent. 

Berkshire Hathaway's subsidiary biBerk publishes sample rates online for certain vehicle types. Here are the general price ranges we found:

  • Smaller vehicles used for commuting: $600 to $1,500 per vehicle per year
  • For-hire trucking: $5,000 to $15,000 per vehicle per year
  • Livery vehicles: $2,000 to $6,000 per vehicle per year

Commercial car insurance premiums are different for every business. Rates depend on a variety of factors, like your location, coverage options, vehicle types, driving history and industry.

To give you an idea of how much your insurance might cost, Insureon, a small-business insurance agency, says the average cost for a commercial auto policy is $147 per month, or $1,762 annually.

Can I buy a Travelers policy online?

To get a quote from Travelers, or purchase a policy, you must call customer service at (800) 842-5075 or visit the company’s website to find an agent. Keep in mind that Travelers only sells commercial auto insurance in 41 states. Policies are not available in Alaska, California, Hawaii, Kansas, Massachusetts, North Carolina, Texas, Virginia or Washington.

Can I buy a Berkshire Hathaway policy online?

To buy a commercial car insurance policy from Berkshire Hathaway, you’ll need to choose the subsidiary that’s right for your industry and coverage needs. Once you select a subsidiary, you can call the company directly to start the purchase process. 

Here’s a list of the companies that underwrite commercial auto insurance for Berkshire Hathaway, and how you can get a quote:

  • Berkshire Hathaway Homestate Companies: Call (800) 488-2930
  • Guard Insurance Companies: Call (800) 673-2465
  • Three: Online quote or call (800) 507-4495
  • biBerk: Online quote or call (844) 472-0967

Types of coverage Travelers offers

Travelers has a full line of commercial auto insurance coverage and endorsements. The coverage options include:

  • Liability: This pays for injuries to others as well as damage to other cars or property when your driver is at fault for the accident.
  • Collision: This pays to repair or replace your vehicle if it strikes another object, overturns, rolls or is in a collision with another vehicle where your driver is at fault for the accident.
  • Comprehensive: This pays to repair or replace the vehicle if it is damaged by something other than collision, such as vandalism, fire or storm damage.
  • Medical payments: This pays for medical bills incurred by your driver or passengers regardless of fault.
  • Uninsured/underinsured motorist (UM/UIM): This pays for damage and injuries when another party hits you but doesn’t have any or enough liability insurance to cover the loss. 
  • Rental car coverage: This provides an allowance to rent another vehicle while yours is in a repair facility.
  • Roadside assistance: This provides 24/7 emergency services such as a tow, battery jump or tire change.
  • Employee hired auto coverage: This provides coverage to employees who rent vehicles in their own name while on company business.
  • Blanket additional insured coverage: This eliminates the need to name each contracted driver or company as an additional insured.

Types of coverage Berkshire Hathaway offers

Berkshire Hathaway offers commercial auto insurance through its subsidiaries. There are five areas that most Berkshire Hathaway commercial auto insurance policies cover:

  • Liability: This pays for injuries to others as well as damage to other cars or property when your driver is at fault for the accident.
  • Collision: This pays to repair or replace your vehicle if it strikes another object, overturns, rolls or is in a collision with another vehicle where your driver is at fault for the accident.
  • Comprehensive: This pays to repair or replace the vehicle if it is damaged by something other than collision, such as vandalism, fire or storm damage. 
  • Uninsured/underinsured motorist (UM/UIM): This pays for damage and injuries when another party hits you but doesn’t have any or enough liability insurance to cover the loss.  
  • Medical payments: This pays for medical bills incurred by your driver or passengers regardless of fault.

Some of Berkshire Hathaway's subsidiaries might offer add-on coverages. To find out what coverage options are available for your business, you can speak to an agent. 

Types of commercial vehicles Travelers covers

Travelers’ commercial auto insurance policies cover the following vehicle types:

  • Passenger vehicles
  • Vans
  • Light trucks
  • Heavy and extra heavy-duty trucks
  • Truck trailers
  • Vehicle fleets
  • Specialty vehicles

Types of commercial vehicles Berkshire Hathaway covers

Berkshire Hathaway’s commercial auto policies are available for the following types of business vehicles: 

  • Cars
  • Limousines
  • Pickup trucks
  • Buses
  • Food trucks
  • Motorhomes
  • Tractor tractors
  • Motorcycles
  • Emergency vehicles
  • Delivery vans
  • Tow trucks
  • Box trucks
  • Flatbed trucks

Who should get Travelers’ policy?

Travelers is a great commercial auto insurance company to consider if you want to customize your coverage. You can add several endorsements to your policy, like auto lease gap coverage, rental car coverage and blanket additional insured protection. 

Travelers also stands out for its impressive third-party ratings. It has superior financial strength, with an A++ rating from AM Best, and it receives fewer complaints than expected for its size, according to the NAIC complaint index.

However, the company only offers commercial auto insurance in 41 states, so some business owners aren’t eligible for coverage. Additionally, Travelers doesn’t offer online quotes or policy sales, so it’s not a great choice if you’re looking to do your insurance business online.

Who should get Berkshire Hathaway’s policy?

Berkshire Hathaway is a great insurance company for financial stability, which is one of the most important factors to consider when choosing a commercial car insurer. It has the highest financial strength rating from AM Best, indicating that the company can meet its obligations and is not at risk of going out of business.

However, some of Berkshire Hathaway’s subsidiaries receive many more complaints than expected for their size. 

Berkshire Hathaway’s coverage options, functionality and policy rates will vary depending on the subsidiary issuing the policy. If you’re thinking about purchasing commercial auto insurance from Berkshire Hathaway, you might need to research several subsidiaries in order to find the best one for your needs.