Commercial Auto Insurance for Large Businesses

Man behind the wheel of a car

Coverage That Helps Protect Businesses on the Road

Built for midsize and large businesses in a wide range of industries, commercial auto insurance helps manage risk across fleets, drivers and daily operations.
 
Man behind the wheel of a car

Why Might a Business Need Commercial Auto Insurance?

Commercial auto insurance helps protect the vehicles a business owns, leases or uses for work, as well as the drivers behind the wheel if there is an accident or covered loss. It can help pay for vehicle damage, medical expenses and liability claims resulting from covered incidents.
 

Protection for Business Vehicles and Drivers

Commercial auto insurance can help businesses:
 
  • Cover cars, vans, trucks and other vehicles used for business.
  • Pay for vehicle repairs or replacement after a covered accident, with access to a nationwide network of more than 1,000 guaranteed repair shops.
  • Cover medical and legal expenses if you’re responsible for injuries or property damage.
  • Replace lost income with downtime loss coverage while a medium or heavy truck is being repaired after a covered accident.
  • Cover additional expenses with optional rental reimbursement and towing coverage.
 

Looking for Small Business Solutions?

Businesses of all sizes have unique commercial auto needs. For smaller organizations seeking tailored coverage and resources, visit the dedicated small business commercial auto page.
Person sitting at a computer

Improving Fleet Safety With Telematics

The Hartford’s Risk Engineering team helps businesses use telematics data to identify risky driving behaviors and take action before losses occur. Through our Fleet Ahead® program, we combine advanced technology with specialized guidance to help make fleets safer and more efficient, including:
 
  • Identification of risky driving behaviors such as speeding, harsh braking and distracted driving
  • Driver coaching and behavior modification programs
  • Use of GPS, video monitoring and onboard diagnostics (OBD)
  • Data analysis to uncover driving trends and risk indicators
  • Strategies to reduce accidents, claims and operating costs
  • Tools to improve driver engagement and fleet performance
  • Consultative support to help businesses get more value from their telematics investment
Person shuffling paperwork

Exceptional Claims Service

Our experienced claims and legal assistance teams take a timely, proactive approach to handling claims. We offer these exceptional resources:
 
  • Specialized ClaimPlus Teams focus on serving large customers with tailored claims handling while consulting experienced adjusters for complex cases.
  • Track Risk. Explore Opportunities (TREO) is a risk management information system designed to simplify claims management and effectively lower loss costs.

Find an Agent or Broker

The Hartford has partners across the country to help with business insurance needs.