Heffernan vs The Hartford: Commercial Auto Insurance

Heffernan Insurance Brokers has you contact its brokers; The Hartford does not sell commercial auto online to small businesses, directing them to a local agency or Tivly, with average costs near $574 a month.

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

The Hartford lists executive drive-other-car and reports about $574 average monthly cost, but routes small-business auto through agencies or Tivly; Heffernan lists auto in its wider business program.

What Are the Key Differences Between Heffernan Insurance Brokers and The Hartford Commercial Auto Insurance?

Published Options and Purchase Route

The Hartford names bodily-injury, property-damage and drive-other-car options and reports an average monthly cost of about $574. Small businesses must use a local agency or Tivly. Choose The Hartford if its listed options fit and agency purchase works; choose Heffernan if you want to discuss auto alongside broader program services. [6] [2]

Options, Trades and Average Cost

The Hartford lists bodily injury and property damage liability, drive-other-car for executives, collision, comprehensive, medical payments, uninsured motorists and rental car coverage, names beauty, consulting, photography, retail, technology and restaurants, and reports about $574 a month ($6,884 a year) as a customer average. Heffernan’s reviewed page does not list those options, trades or a cost figure. [6] [2]

Agency or Tivly Versus a Broker Call

The Hartford does not currently sell commercial auto online for small businesses; it sends you to a local agency or Tivly. Heffernan also has no described online auto quote and tells you to contact the brokerage. Heffernan adds claims, loss control, HR consulting and risk-management services around the program; The Hartford’s reviewed auto page does not describe those brokerage services. [6] [2]

What Should You Confirm in Heffernan Insurance Brokers and The Hartford Commercial Auto Insurance Quotes?

  • Confirm whether The Hartford is bound through an agency or Tivly, and which carrier Heffernan places. [6] [2]
  • Ask for drive-other-car, rental reimbursement and uninsured-motorist limits on both quotes. [6] [2]
  • Do not use $574 a month as your Hartford premium; Heffernan has no published average until quotes exist. [6]
  • Check vehicle types: The Hartford names cargo vans, box trucks and service utility trucks; Heffernan does not. [6] [2]

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 ↗

The Hartford

  • role: The Hartford's commercial auto insurance helps cover property damage and medical expenses when a business or its employees cause an accident using company vehicles. Commercial auto product page as read 2026-09-23.company-reportedSource ↗
  • coverage: The Hartford lists common commercial auto coverage options: bodily injury liability, property damage liability, drive-other-car coverage for executives, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental car coverage. It excludes unrelated medical expenses, contents inside the vehicle, accidents in an employee's personal vehicle for personal reasons, and rental-vehicle repair costs while a company vehicle is being fixed. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls.company-reportedSource ↗
  • eligibility: The Hartford says coverage requirements vary by state, and names industries it targets: beauty shops, consulting, photography, retail, technology and restaurants; covered vehicle types include cars, commercial cargo vans, commercial trucks, pickup trucks, box trucks and service utility trucks. Commercial auto product page as read 2026-09-23.company-reportedSource ↗
  • application: The Hartford does not currently sell commercial auto coverage online for small businesses; it directs buyers to a local agency or to its partner Tivly for a quote instead of a self-serve online flow. Commercial auto product page as read 2026-09-23.company-reportedSource ↗
  • limits: The Hartford reports average commercial auto costs of about $574 a month ($6,884 a year) for its customers; the page does not publish standard liability limits, which it says depend on business type, vehicle type, driving records, cargo and location. Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit.company-reportedSource ↗

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
    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

  4. 04
    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

  5. 05
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

  6. 06
    Commercial Auto Insurance Coverage

    The Hartford · Banner: The Hartford does not currently offer this coverage online for small businesses; What Does Commercial Auto Insurance Cover?; What Is Not Covered?; What Types of Vehicles Are Covered?; Do I Need Commercial Auto Insurance?; How Much Does Commercial Auto Insurance Cost? · accessed 2026-09-23

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