AIG vs Heffernan: Hired and Non-Owned Auto Insurance

AIG's directory confines HNOA to a manufactured-housing program; Heffernan Insurance Brokers bundles it into insurance for home health and care providers.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

AIG’s listing is tied to manufactured housing businesses; Heffernan targets home-health and care agencies with hired and non-owned auto alongside owned-auto coverage.

What Are the Key Differences Between AIG and Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance?

Different package audiences

AIG’s HNOA entry appears only in its Manufactured Housing Program, covering listed housing communities and related dealers. Heffernan instead places hired and non-owned auto within programs for home health, in-home care, hospice, staffing and infusion-therapy agencies. A home-care company should evaluate Heffernan’s named program; a manufactured-housing operator can ask AIG about its listed option. The two audiences are not interchangeable. [1] [3]

Drivers and timing for care agencies

Heffernan lists non-owned and hired auto alongside owned auto, as a separate agreement for caregivers driving personal or rented vehicles to client visits. AIG’s listing identifies HNOA as a program component but does not define its drivers or covered use. Ask for the named auto agreements and confirm how agency-owned vehicles, rented cars and employee cars each appear. [3] [1]

Plan around the start date

Heffernan advises home-care businesses to start at least 30 days before serving clients and says rates vary by state; AIG describes program resources but no HNOA quote timeline. An agency opening soon should ask both contacts for submission deadlines and binding steps, and verify which limits and states the issued policy covers. [3] [1]

What Should You Confirm in AIG and Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance Quotes?

  • Is your agency eligible for AIG’s Manufactured Housing Program or Heffernan’s home-care program, and in which states?
  • Which auto agreements, limits and effective dates will cover staff using personal, rented and agency-owned vehicles?

Coverage topics

AIG

  • role: AIG’s public directory supports HNOA only as a listed component of its Manufactured Housing Program; it does not establish a broad standalone HNOA policy. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG lists hired and non-owned auto only in its Manufactured Housing Program for manufactured-home communities, certain RV parks/destination resorts, retail manufactured-housing dealers and recreational-unit dealers (excluding RV dealers). This is not general HNOA eligibility. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: AIG lists Hired and Non-Owned Auto as a coverage component of the named Manufactured Housing Program. The directory does not define covered drivers, vehicles, use, limits or exclusions. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG describes Program Administrator support, underwriting, claims and loss-control resources for its programs. The page does not state account-level HNOA claims handling or services beyond those program-wide descriptions. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: No HNOA limit, deductible or covered-auto schedule appears in the directory. Confirm these in the program quote and issued form. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

Heffernan Insurance Brokers

  • role: Heffernan places hired and non-owned auto liability as part of its home care, home health, and hospice insurance program, alongside owned-auto and other package coverages, rather than underwriting the coverage itself. Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line.company-reportedSource ↗
  • eligibility: Heffernan markets this bundled auto coverage to home health, in-home care, hospice, staffing-agency, infusion-therapy, and home-health-aide businesses, and says its home care programs cover all states and agency sizes. Home Care Business Insurance page as read on 2026-09-23; 'all states' is a company marketing statement, not a state-by-state availability table.company-reportedSource ↗
  • coverage: The home care package lists Non-owned and Hired Auto alongside Business/Owned Auto, so caregivers driving personal or rented vehicles for client visits are covered under a separate insuring agreement from the agency's own fleet. Home Care Business Insurance page as read on 2026-09-23; the page does not detail limits, exclusions, or whether hired/non-owned auto is sold on a stand-alone basis outside the home care package.company-reportedSource ↗
  • limits: The reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. Home Care Business Insurance page as read on 2026-09-23.not-disclosedSource ↗
  • application: Heffernan tells home care businesses to start the insurance application process at least 30 days before working with clients and to contact the firm for a free rate quote, since rates vary by state. Home Care Business Insurance page as read on 2026-09-23; applies to the home care package generally, not solely to auto coverage.company-reportedSource ↗
  • services: Heffernan says its home care insurance specialists walk clients through coverage and premium questions, including how to minimize costs and risks, and that it partners with CAHSAH and the Home Care Association of America. Home Care Business Insurance page as read on 2026-09-23; described for the home care program generally, not exclusively for the auto coverage.company-reportedSource ↗

Source material

  1. 01
    AIG Programs Insurance

    AIG · Official AIG program directory, lines 510–525: Manufactured Housing audience, Hired and Non-Owned Auto coverage listing, and Nationwide program location; lines 242–284 describe program administration and services; policy terms caveat at line 680. · accessed 2026-09-30

  2. 02
    Commercial Insurance Guide

    California Department of Insurance · Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? · accessed 2026-09-16

  3. 03
    Home Care Business Insurance

    Heffernan Insurance Brokers · We offer comprehensive coverage for: Workers' Compensation Insurance, General and Professional Liability, Employment Practice Liability, Business/Owned Auto, Non-owned and Hired Auto, Sexual Abuse, Crime, Employee Dishonesty Bond, Cyber & Identity Theft, Medical Billing E&O, Property Coverage and more; covering all states and agency sizes · accessed 2026-09-23

  4. 04
    Non-Owned Auto Liability Insurance

    Hiscox · What is covered?; Who is covered; What the policy does not cover · accessed 2026-09-16

  5. 05
    Business Auto Coverage Form

    ISO; hosted by National General · I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7 · accessed 2026-09-16

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