Travelers pros

  • Has the strongest possible rating from AM Best, A++ (Superior)
  • Offers a great selection of endorsements for customizable coverage
  • Can file commercial auto insurance claims online

Old Republic pros

  • Offers a variety of specialty coverage options, including bulk commodity insurance, cargo insurance and excess limits for catastrophic losses.
  • Sells freight insurance and coverage for large fleets
  • Underwrites commercial auto policies in all 50 states

How Travelers’ market share compares with Old Republic’s

Travelers is the second-largest commercial auto insurance company by market share. It has about 5.4% of the total market share for commercial car insurance, as of March 2025. Old Republic is the third-largest commercial auto insurer, with 4.1% of the total market share, according to the National Association of Insurance Commissioners (NAIC).

How Travelers’ direct premiums written compare with Old Republic’s

As of March 2025, Travelers has $3.9 billion in direct commercial auto insurance premiums written. Old Republic has about $2.9 billion in direct premiums written. 

How Travelers’ NAIC complaint data compares with Old Republic’s

When evaluating commercial car insurance companies, it’s a good idea to check the National Association of Insurance Commissioners (NAIC) Complaint Index. NAIC is a standard-setting and regulatory support organization overseen by state insurance regulators. The 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 than expected.

In 2024, both Travelers and Old Republic received fewer complaints than expected, but Travelers scored slightly better on this benchmark. Travelers’ NAIC complaint index was 0.285, while Old Republic’s was 0.745.

How Travelers’ AM Best rating compares with Old Republic’s

One of the most important considerations when choosing a commercial auto insurance company is financial stability; you want to be confident the company will be able to pay a claim should you ever need to file one. AM Best, a credit rating agency, grades insurance companies based on their ability to meet financial obligations and pay claims. 

According to AM Best data published on April 10, 2025, Travelers and Old Republic both have superior financial stability ratings. However, Travelers’ rating of A++ (the best score possible) is higher than Old Republic’s score of A+.

How Travelers’ rates compare with Old Republic’s

Travelers and Old Republic don’t publish their commercial car insurance rates online, so it’s difficult to compare them without getting personalized rate quotes. Commercial car insurance premiums depend on many factors, including 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, 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 an Old Republic policy online?

To purchase a commercial car insurance policy from Old Republic, you’ll need to determine which subsidiary is right for your industry and coverage needs. You can learn more about the subsidiaries on Old Republic’s website. 

Once you select the right one, you can contact the company to get a quote and purchase a policy. Here’s a list of the insurers that underwrite commercial auto insurance and their main phone number: 

  • BITCO Insurance Companies: (800) 475-4477
  • Great West Casualty Company: (800) 228-8602
  • Old Republic Insurance Company of Canada: (800) 530-5446
  • Old Republic Insured Automotive Services: (800) 331-3780
  • Old Republic Risk Management: (262) 797-3400
  • Old Republic Specialty Insurance Underwriters: (224) 283-6434
  • PMA Companies: (800) 222-2749

Types of coverage Travelers offers

Travelers offers a full line of commercial auto insurance coverages and endorsements, including:

  • Liability coverage: Pays up to $1 million in liability coverage should you damage another vehicle or injure passengers or pedestrians in an at-fault accident.
  • Collision coverage: Pays to repair your vehicle if you hit another vehicle or object.
  • Comprehensive coverage: Pays for repairs needed when a vehicle is damaged in non-collision incidents such as theft, vandalism, fire or weather events.
  • Medical payments: Pays for injury-related expenses for your driver and any passengers if they are in an at-fault accident.
  • Uninsured/underinsured motorist: Pays for damages when another party hits you but doesn’t have any or enough liability coverage.
  • Rental car coverage: Provides an allowance to rent another vehicle while yours is in a repair facility.
  • Roadside assistance: Provides 24/7 emergency services such as a tow, battery jump or tire change.
  • Auto lease gap coverage: In case of a total loss, this pays the difference between the loan amount and the vehicle's cash value.
  • Employee hired auto coverage: Provides coverage to employees who rent vehicles in their own name while on company business.
  • Blanket additional insured coverage: Eliminates the need to name each contracted driver or company as an additional insured.

Types of coverage Old Republic offers

Old Republic sells commercial auto insurance through a network of subsidiaries. Each underwriter specializes in different industries, such as construction, manufacturing, healthcare, retail or aerospace.

Each subsidiary offers different types of coverage. These five coverages are standard with most Old Republic commercial auto insurance policies:

  • 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 collides with another vehicle, and 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 a collision, such as theft, vandalism, fire or storm damage. 
  • Uninsured/underinsured motorist (UM/UIM): This helps pay for damage and injuries associated with an accident that wasn’t your fault when the other party has no insurance or lacks sufficient coverage for the loss. 
  • Medical payments: This protects your driver and any passengers and helps pay for injuries they incur in an at-fault accident.

Depending on your Old Republic subsidiary, you can also get optional endorsements, like bulk commodity insurance, cargo insurance, gap insurance, vehicle service contracts and excess liability limits for catastrophic losses.

Types of commercial vehicles Travelers covers

Travelers’ commercial auto insurance policies cover the following:

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

Types of commercial vehicles Old Republic covers

Old Republic sells commercial auto insurance for these business vehicles:

  • Passenger cars
  • Vans
  • Light trucks
  • Dump trucks
  • Tractor trailers
  • Freight trucks
  • Dump body trailers

Who should get a Travelers policy?

Travelers is a great commercial car insurance provider for small business owners who want to customize their policy. The company stands out for its impressive coverage options, like auto lease gap coverage, rental car coverage and blanket additional insured protection.

Travelers also has superior financial strength, receiving fewer complaints than expected for its size. If you’re looking for a commercial car insurance company with the best third-party ratings, Travelers is likely a better option than Old Republic.

However, you can only purchase coverage in 41 states and Washington, D.C., so not every business owner will qualify for coverage. Also, Travelers doesn’t offer online quotes or policy sales.

Who should get an Old Republic policy?

Old Republic can be a good commercial auto insurance company if you’re looking for specialty coverages. It offers a variety of insurance solutions for small businesses in different industries. The company also has dedicated agents and claim handlers with experience in specific industries.

Old Republic receives fewer complaints than expected for its size and has a superior financial stability score. However, Old Republic’s third-party ratings are slightly lower than Travelers’. Additionally, Old Republic doesn’t offer online quotes, policy sales or claims filing.

Unlike Travelers, Old Republic offers commercial auto insurance coverage to business owners in all 50 states. When shopping for coverage, however, keep in mind that some of the company’s subsidiaries may not underwrite commercial car insurance in every state. Also, the policy costs and coverage options will vary by subsidiary.