What Does Commercial Auto Insurance from The Hartford Cover?

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. ¹Company-reportedCommercial auto product page as read 2026-09-23.

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. ¹Company-reportedCommercial auto product page as read 2026-09-23.

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. ¹Company-reportedCommercial auto product page as read 2026-09-23. General coverage description; the issued policy controls.

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. ¹Company-reportedCompany-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit.

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. ¹Company-reportedCommercial auto product page as read 2026-09-23.