Heffernan vs Hub International: Commercial Auto Insurance

Both are brokers: Heffernan Insurance Brokers lists commercial auto among basic coverages with claims and HR services, while HUB International focuses on fleets and transportation providers.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-25

HUB lists long/short-haul, hired/non-owned, towing, lease-gap and fleet analytics; Heffernan only names auto on its business list and offers broader claims and loss-control services.

Source material

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Commercial Automobile: Coverage, Classification and Limits · accessed 2026-09-16

  2. 02
    Heffernan Business Insurance Brokerage

    Heffernan Insurance Brokers · Forward-Thinking Business Insurance for 21st Century Exposures: basic coverages including general liability, commercial property, commercial auto, workers' compensation and global/foreign exposures; claims services, loss control, HR consulting and risk management and assessment services; alternative risk arrangements · accessed 2026-09-23

  3. 03
    Commercial Auto Insurance Broker Policy & Coverage

    HUB International · Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker · accessed 2026-09-23

  4. 04
    Business Vehicle Insurance

    Insurance Information Institute · Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy · accessed 2026-09-16

  5. 05
    Business Auto Coverage Form

    Insurance Services Office, Inc.; hosted by National General · I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6 · accessed 2026-09-16

  6. 06
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Commercial Auto Insurance?

Fleet Coverage Menu vs. Business-Line Listing

Heffernan’s page gives no auto-specific agreements, while HUB lists bodily-injury and property-damage liability, long/short-haul, hired/non-owned, UM, medical payments, towing and lease gap. Choose HUB if you need those fleet options; choose Heffernan if firm-wide claims and loss-control services matter more. [3] [2]

Fleet Analytics Versus Firm Services

HUB says it applies complex risk and analytics tools to benchmark programs and cross-promotes Fleet Risk Management and Workplace Safety Management. Heffernan says clients arranging its business insurance, including commercial auto, get claims services, loss control, HR consulting and risk-management assessment. One set of tools is framed as fleet analytics; the other as brokerage-wide support. [3] [2]

Who You Call

HUB positions the line for commercial auto fleets and transportation-industry providers and tells you to contact a HUB broker, with no online quote described. Heffernan likewise directs you to contact the brokerage and does not describe a commercial auto web quote. Neither reviewed page names the issuing insurer or publishes limits. [3] [2]

What Should You Confirm in Heffernan Insurance Brokers and HUB International Commercial Auto Insurance Quotes?

  • Ask HUB which of the listed options (towing, lease gap, hired and non-owned) are bound; ask Heffernan to specify the same items because its page does not. [3] [2]
  • Clarify whether HUB’s fleet analytics or Heffernan’s loss control will review driver and vehicle data for this account. [3] [2]
  • Get carrier names, deductibles and liability limits on both quotes. [3] [2]
  • Confirm how auto claims are reported to each brokerage’s claims team. [2] [3]

Coverage topics

Heffernan Insurance Brokers

  • role: Heffernan lists commercial auto insurance among the basic business-insurance coverages it arranges, alongside general liability, commercial property and workers' compensation. As a broker, it places this coverage with insurance carriers rather than underwriting it itself. Business Insurance page's basic-coverages list.company-reportedSource ↗
  • coverage: The business insurance page lists commercial auto as one of the basic coverages Heffernan can provide, without describing specific insuring agreements, limits or exclusions for the line. Business Insurance page's basic-coverages list, a single-line mention.company-reportedSource ↗
  • services: Heffernan says clients arranging its business insurance coverages, including commercial auto, get access to its claims services, loss control, HR consulting, and risk management and assessment services. Business Insurance page's services paragraph, described at the whole business-insurance-program level rather than specific to commercial auto.company-reportedSource ↗
  • application: The page's call to action directs buyers to contact Heffernan Insurance Brokers directly to find out what it can do for their business, including commercial auto. No separate online quoting flow specific to commercial auto is described. Business Insurance page contact call to action.company-reportedSource ↗
  • limits: The business insurance page does not publish limits, deductibles or premium ranges for commercial auto coverage. Checked the Business Insurance page on 2026-09-23.not-disclosedSource ↗
  • insurer: No insurer is named for commercial auto on the reviewed page; the issuing carrier would appear on the quote and declarations. Checked the Business Insurance page on 2026-09-23.not-disclosedSource ↗

HUB International

  • role: HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. Product-page coverage list; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. Product-page description; not a published underwriting appetite by fleet size or vehicle class.company-reportedSource ↗
  • services: HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. Product-page service description; a company-reported capability, not an independently assessed outcome.company-reportedSource ↗
  • insurer: The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • application: HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. Product-page call to action as read 2026-09-23.company-reportedSource ↗

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