What Are the Key Differences Between Heffernan Insurance Brokers and TechInsurance Commercial Auto Insurance?
Coverage Details and Pricing vs. Business Program
TechInsurance lists BI/PD, MedPay or PIP where required, uninsured motorist, and optional collision and comprehensive, with a median customer premium of $245 a month. It also flags hired/non-owned and garage-keepers needs. Choose TechInsurance if those details and benchmark help; choose Heffernan if you want auto within a broader business program. [6] [2]
Exclusions TechInsurance Names
TechInsurance says the policy does not cover personal, leased or rented work vehicles (those need hired and non-owned auto), a newly purchased vehicle not yet scheduled, or a customer’s vehicle in the business’s care (garage keepers). Heffernan’s reviewed page does not list those gaps. If you rent vans or run a shop, TechInsurance’s copy tells you to add other products; Heffernan’s copy leaves that conversation for the broker call. [6] [2]
Median Premium and New Hampshire
TechInsurance reports a $245 monthly median and says all states except New Hampshire require commercial auto for business-registered vehicles. Heffernan publishes no premium range and no state-requirement note. Heffernan does describe claims, loss control, HR consulting and risk-management services around the program; TechInsurance’s reviewed auto page does not. [6] [2]
What Should You Confirm in Heffernan Insurance Brokers and TechInsurance Commercial Auto Insurance Quotes?
- Ask both whether hired and non-owned auto and garage keepers are included or quoted separately. [6] [2]
- Treat $245 as TechInsurance’s book median; ask Heffernan for a premium at matching limits. [6] [2]
- Confirm the issuing insurer; neither page names it. [6] [2]
- Ask Heffernan how loss control would apply to this fleet; TechInsurance’s page does not describe that service. [2]