The Hartford

While transportation and the ownership of company vehicles can help streamline your business and increase productivity, they can also add another dimension of risk.

At the Hartford, we understand you need more than standard protection while on or off the road. That’s why our Commercial Auto policies include a variety of coverage enhancements that do a better job of protecting your business, and your bottom line.

Whether you have a single company car or a fleet of vehicles, The Hartford brings together the right mix of coverages your business needs in one convenient policy.

For additional Commercial Auto information and options, view Details and Services.

All coverages and services may not be available for all businesses or in all states.  For details on what coverages and services are available to you, contact your agent at The Hartford today.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.

Protection That Goes Where You Go

Auto policies offer far-reaching protection that can be tailored and enhanced in any number of ways to fit any type business or size. Listed below are just a few of the ways our Commercial Auto policies can help keep you moving ahead.

All coverages and services may not be available for all businesses or in all states.  For details on what coverages and services are available to you, contact your agent at The Hartford today.

Bodily Injury and Property Damage Liability

If you or one of your employees are held liable for someone's injury or property damage, The Hartford's policy can help protect your business against financial loss.

Physical Damage (Collision)

Covers the damage caused by another vehicle or a stationary object, like a building, telephone pole, or guardrail.

Physical Damage (Comprehensive)

Covers damages caused by a variety of risks, including fire, lightning, theft, vandalism, hail and flood.

Hired Auto Physical Damage

Provides up to $100,000 in physical damage coverage for vehicles your business hires or borrows - as long as you have liability coverage on those you hire, and physical damage coverage on those you own.

Hired Auto and Non-Owned Auto

Coverage for bodily injury or property damage that occurs during the use, loading or unloading of hired or non-owned vehicles used for your business.

Uninsured/Underinsured Motorist

The Hartford's uninsured/underinsured motorist coverage protects you in case you are injured in an accident caused by the negligent operation of an uninsured auto or by a hit-and-run motorist. It also protects you in case you are injured by someone who has less liability coverage than necessary to cover the loss.

Medical Payments for You or Your Passengers

Whether in an accident or struck by another vehicle, this provision pays your medical expenses (if they’re not covered by workers' compensation) as well as those of your passengers.

Autos Rented by Employees

Provides rental coverage for your employees– in their own name.

Broad Form Named Insured

Provides automatic coverage for:

• Subsidiaries where you own more than 50% of the voting stock.
• Most companies you’ve acquired where you have majority ownership.
• Employees while they’re driving a covered auto that your business does not own, hire or borrow.
• Lessors, provided the lease requires you to provide primary insurance and the auto is leased without a driver.
• Any person or organization required by contract to be named as an additional insured.

Primary and Non-Contributory if Required by Contract

To ensure your insurance experience is hassle free, we’ve included this language in our new Broad Form Endorsement to eliminate the need to separately endorse your policy each time you bid on a new job.  The Hartford provides this at no charge.

Electronic Equipment Coverage

We’ve broadened our coverage to include popular electronics like a GPS or DVD player. We don’t require it to be auto manufacturer- or dealer-installed, but if it’s a permanent fixture, coverage is limited to $1,500.

Glass Repair

Get damaged glass repaired rather than replaced. We’ll even waive your deductible.

Lease & Loan Gap Coverage

Due to the steep depreciation in vehicle value, particularly in the first year of ownership, many insureds owe more on a total loss to their lease or lien holder than the actual cash value of the vehicle.  These coverages ensure that gap is paid on behalf of the policyholder and – unlike most of our competitors - are provided at no additional charge.

Temporary Transportation Expense

In the event your car is stolen, we’ll help pay for alternate transportation. You get $50 per day, with a limit of $1,000. This option also helps you cover the additional expenses involved with getting your vehicle back, after it’s been recovered.

Airbag Coverage

Physical Damage coverage is expanded to cover the expense to reset or replace an airbag that inflates even if the covered auto incurs no physical damage.

Hybrid Payment Coverage

Don’t let a setback keep you from making your fleet more economical. If one of your non-hybrids is totaled in an accident and you replace it with a hybrid within 60 days, we’ll pay an additional 10% of actual cash value -up to $2,500.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.

In addition to our extensive and customizable coverage options, The Hartford also offers a range of valuable services to our customers. Speak to your agent to see if these programs are available to you.

Improved Safety. Fewer Accidents.

Driving is inherently risky. Businesses that employ drivers often do not understand what causes their drivers' accidents and may not even know their drivers' abilities. To help reduce accidents and increase your bottom line, The Hartford’s specialized Loss Control services include options like the 3-D Driver Improvement Program.
 

Where Data Drives Fleet Management

The Hartford also offers FleetAhead to its commercial insureds, a service that combines the technology of telematics with specifically designed Loss Control services. Telematics allows for real-time identification of driving risk, while The Hartford’s Loss Control services assist businesses to effectively evaluate and mitigate those risks.

FleetAhead can help your business manage fleet risk and lower operating costs. In addition, your business may be eligible to receive a discount of up to 15% on your auto insurance premium or see a reduction in loss costs within the self-retained portion of your auto insurance program.
 

Efficient Claims Service When It Matters Most.

When there’s been an accident, nothing is more important than getting you back on the road. Commercial Auto claims are wirelessly routed to the laptops of mobile auto adjusters for quick response times. And if you choose one of the 1,600 approved auto repair shops across the country, The Hartford guarantees the workmanship on covered repairs for as long as you own or lease the vehicle.

When your business suffers a loss, nothing is more important than getting you up and running. We have several regional claim centers staffed by knowledgeable claim professionals. With The Hartford behind you, you’ll have the appropriate protection to help your business needs to succeed. And the dedicated support, resources and expertise you can rely on exactly when you need it most.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.
 

After over 200 years of helping businesses achieve what’s ahead, The Hartford has proven our commitment and dedication to doing right by our customers. We stand by our promises. And that’s something that you and your business can count on.

Why Choose The Hartford?

We're just not experienced in our business, we're experienced in helping protect yours.   As a result, we go beyond core coverage to provide specialized options and services unique to your industry, line of business and even size.   When you choose The Hartford, you’ll have a broad range of policies, endorsements and add-ons to tailor a coverage plan that speaks to your needs.   We are committed to providing superior customer service to support your business, every step of the way.

From critical business coverages and efficient claims handling to risk management, The Hartford will be by your side.