What Are the Key Differences Between Heffernan Insurance Brokers and Travelers Commercial Auto Insurance?
Published Liability Limit vs. Broader Business Services
Travelers separates auto from its BOP and sells through independent agents; Heffernan names commercial auto among business coverages and describes claims and loss-control services across programs. Choose Travelers if the published limit fits; choose Heffernan if broader service support is more important. [6] [2]
Published Limits and CoveragePlus
Travelers advertises liability up to $1 million for injury and property damage to others and offers Select Auto CoveragePlus (lease gap, employee hired auto, blanket additional insured) plus hired and non-owned auto. Heffernan’s reviewed page publishes no limits and does not name those endorsements. Travelers also lists passenger vehicles, vans, light and heavy trucks, trailers, fleets and specialty units, including Northland trucking; Heffernan does not list vehicle classes. [6] [2]
Risk Control Staff Versus Broker Services
Travelers says customers can use more than 600 Risk Control consultants, a dedicated claim team and roadside assistance, and you buy through an independent agent. Heffernan describes claims services, loss control, HR consulting and risk-management assessment on the business-insurance program, and you start by contacting the brokerage. Those are two different service desks attached to two different legal roles. [6] [2]
What Should You Confirm in Heffernan Insurance Brokers and Travelers Commercial Auto Insurance Quotes?
- Compare Travelers’ quoted liability limit with Heffernan’s market, including whether $1 million is offered. [6] [2]
- Ask which CoveragePlus items sit on the Travelers quote and whether Heffernan’s placement includes hired auto and additional insureds. [6] [2]
- If you already have a BOP, confirm Travelers auto remains separate; Heffernan’s page does not discuss BOP packaging. [6]
- Clarify claims reporting: Travelers names a dedicated claim team; Heffernan names brokerage claims services. [6] [2]