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Commercial Auto Insurance
Business Auto
Insurance Makes Your
Business a Priority
Business Coverage
Whether you’re operating a single vehicle or a fleet, The Hartford offers you ways to help protect your company, manage risks and help control your costs.
Putting the Brakes on Damages
An automotive mishap can expose your business to complex high exposure, putting its assets at risk. Without the right commercial vehicle insurance coverage, you as the business owner may even find yourself personally responsible.Meanwhile, the loss of cars, vans, trucks or specialty vehicles can hamper your ability to operate your business, threaten hard-won customers and hurt business relationships. Accidents can damage your reputation, and put in question your concern for employee and public safety.
So, don’t let a split-second bout of bad luck put a business that took years to build in jeopardy.
Extra Protection. No Additional Cost.
The Hartford commercial auto insurance offers extra protection your business may require at no additional cost, including:Hired Auto Physical Damage
Hired or borrowed vehicles can be covered for up to $100,000 for physical damage – as long as these vehicles have liability coverage, and your vehicles carry physical damage coverage.
Lease or Loan Gap Coverage
When there’s a gap between the value of the vehicle and the amount owed to the lien holder, this coverage fills that gap.
Electronic Equipment Coverage
Now popular electronic devices like a GPS or DVD player are covered, up to $1,500 – as long as these devices are permanently installed.
Efficient Claim Service
If you have an accident, a team of people from one of our many claims service centers will swing into action. They’ll expedite your claim, carefully evaluate complex business exposure, and handle the details. Programs and services are available to mid-size and large businesses.
Programs and Services available to mid-size and large businesses:
FleetAhead
This program uses telematics and real-time data to help fleet owners identify risk and prevent accidents. Participating companies can get a 15% discount on their premiums.
Loss Control
We provide fleet owners in-depth analysis of your company’s driver safety records, and help you pinpoint root causes of accidents and formulate preventative strategies.
The Principles of 3D Driving
The Hartford’s loss control organization can help you instruct your drivers in the techniques of 3-D Driving: Drive Decisively. Drive Defensively. Drive Dependably.
FleetAhead Fleet Safety
Welcome to
Safer Drivers and
Bigger Savings
Every vehicle you put on the road is put through scheduled maintenance. Oil changes. Tune-ups. Tire rotations. But what about tuning up the most important component: your drivers?If you could help them drive more safely, you could reduce accidents. Cut down on downtime. Increase fuel efficiency. Improve losses. Lower costs. And boost customer satisfaction.
Save on Auto Insurance with FleetAhead
Want another advantage of FleetAhead? You may get a discount of up to 15% on your auto insurance premium.Email the FleetAhead team today
How it Works
FleetAhead from The Hartford. It's preventive maintenance for your drivers. Peace of mind for your fleet and risk managers. And more security for your bottom line.In-vehicle telematics measure risky maneuvers as they happen, relaying that data to a central web portal where it can be stored and analyzed. Risky maneuvers include things like:
- Speeding
- Excessive acceleration while cornering
- Aggressive lane changing
- Swerving in and out of traffic
Of course, no two fleets are alike. Miles of experience teach taxi drivers to anticipate every situation. Cable installers know more about coaxial hookups than parallel parking. But FleetAhead from The Hartford is flexible enough to meet the safety needs—and help improve the safety records—of both. And of every fleet in between.
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.
Loss Control Services
Helping Businesses
Small and Large Manage
Risk and Prevent Loss
From individual consultation to educational seminars to discounts on safety training programs, The Hartford's Loss Control organization provides assistance in evaluating your exposures to loss and consults with you on how you can improve conditions to run a safer and ultimately more profitable business.
Customized Safety and
Risk Management Services
At The Hartford, we recognize that every business has unique operations. That's why we will work closely with you to develop an effective, realistic and attainable service plan that is designed to meet your specific needs. We can help you take an in-depth look at your equipment, material and people so you can better prevent accidents. And should accidents occur, The Hartford can help you prepare to manage them so they are less severe and less costly.Loss Control Service Approach
Our loss control services start with an in-depth analysis of your organization's loss history to understand where and how losses occur. From there, we help you pinpoint the root causes of accidents and other losses to formulate preventative strategies. With you, we develop a step-by-step loss control service plan targeted to your specific conditions. We use loss investigation and technical services to increase our understanding of the unique exposures your operations present, and we coordinate our services with your in-house capabilities to assure they are completely complementary.Advantages of The Hartford's Loss Control Services
Skilled Experts on Staff
- Nearly 150 highly educated and experienced loss control field consultants nationwide
- Technical specialists to help you operate safely and efficiently
- Industrial hygienists to evaluate workplace health risks
- Specialists with professional designations in various areas of expertise such as ergonomics, fire protection, industrial hygiene, occupational and construction safety
- Dedicated account managers for large accounts
- Access to our training offerings through online courses, live and on-demand webinars and podcasts, technical training workshops and onsite specific training
- Most popular training offerings include Construction (OSHA 10 & 30 Hour Training), 3D Driver Education, Supervisory/Leadership Training, Business Continuity Management, Industrial Hygiene, Property and Fire Protection, Ergonomics, and Accident Investigations
- Access to a wide array of safety and risk management services that include evaluations and training for accident investigations, safety leadership, life safety, machine safeguarding, ergonomics, driver safety, business continuity and more.
- Our consultants will partner with you to drive operational improvements that will help your business better control losses and the direct and indirect costs associated with them. Training is available for supervisors to help them make safety a natural part of everyday business – all in an effort to help your business prevent losses and save money.
All coverages and services may not be available for all businesses or in all states. Please contact your agent to verify the coverages and services that are available to you or for which you may be eligible.
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.
Loss Control Site Login
Log in to the Loss Control Site for all of our services, training programs, and resources materials.
Not a policyholder? Call your insurance agent today.
Find a Local Agent
Safety Tips
Learn more about the most common types of accidents and tips on basic steps you can take to prevent them.
Small Business safety tips
Contractors/Specialty trade
Healthcare practices
Technology services
Small Business safety tips
Contractors/Specialty trade
Healthcare practices
Technology services
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