Beazley vs Heffernan: Hired and Non-Owned Auto Insurance

Beazley limits the cited HNOA listing to environmental-service firms; Heffernan Insurance Brokers offers it within a package for home care and health businesses.

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

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

Caregiver Program Versus Environmental Package

Heffernan includes hired and non-owned auto liability in its home-care, home-health and hospice program, next to owned-auto and other package coverages. Beazley includes HNOA only as an additional coverage in BeazleyOne Environmental. [3] [1] Choose Heffernan if you need auto coverage for caregiver visits; choose Beazley if your business fits its environmental package.

Environmental Contractors Versus Care Agencies

Beazley’s audience is engineering, consulting, project management, and contracting or remediation firms providing environmental services. Heffernan markets the bundled auto coverage to home health, in-home care, hospice, staffing-agency, infusion-therapy and home-health-aide businesses, and says those home care programs cover all states and agency sizes. [1] [3]

What Each Package Discloses

Heffernan lists Non-owned and Hired Auto separately from Business/Owned Auto so caregivers driving personal or rented vehicles for client visits use a different insuring agreement from the agency fleet. It tells agencies to start applications at least 30 days before working with clients, offers a free rate quote because rates vary by state, and says specialists partner with CAHSAH and the Home Care Association of America. Beazley lists hired and non-owned auto as included but does not describe covered vehicles or exclusions, does not publish limits, and links one environmental-package application rather than a separate HNOA form. Neither reviewed page publishes HNOA deductibles. [3] [1]

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

  • Ask Heffernan how non-owned and hired auto differs from owned-auto on the home care package. [3]
  • Ask Beazley whether HNOA is attached on the environmental package and what it covers. [1]
  • Confirm application timing: Heffernan asks for 30 days before client work. [3]
  • Get issuing insurers, limits and state-specific rates; neither page publishes HNOA limits. [3] [1]

Coverage topics

Beazley

  • role: Hired and non-owned auto is listed as one line among several Additional Coverages inside BeazleyOne Environmental. Beazley does not offer it as a separate, standalone commercial auto product on this page. Environmental package product page; no standalone HNOA product page was found.company-reportedSource ↗
  • eligibility: Availability of the hired and non-owned auto coverage follows the same audience as the rest of the package: engineering, consulting, project management, and contracting or remediation firms providing environmental services. Who we can help section applies to the package as a whole; no auto-specific eligibility criteria are listed separately.company-reportedSource ↗
  • coverage: The product page lists 'hired and non-owned auto included' among the package's Additional Coverages, alongside items like automatic additional-insured status and a blanket waiver of subrogation, but does not describe the insuring agreement, covered vehicles or exclusions for it. Additional Coverages bullet list; the single-line mention is the only detail available on this page.not-disclosedSource ↗
  • limits: The reviewed page does not publish liability limits, deductibles or self-insured retentions for the hired and non-owned auto coverage. Environmental package product page as read on 2026-09-23; limits appear only on an actual quote.not-foundSource ↗
  • insurer: The page does not name the Beazley entity that would issue the hired and non-owned auto coverage within this package. Environmental package product page as read on 2026-09-23; no issuing-entity disclosure found there.not-disclosedSource ↗
  • services: The reviewed page does not describe auto-specific risk services, such as driver safety or fleet-management programs, beyond the package's general claims-management commitment. Environmental package product page as read on 2026-09-23.not-foundSource ↗
  • application: Beazley links a single application and brochure for the environmental package from the product page rather than a separate application for the hired and non-owned auto coverage. Tools & Resources links referenced on the product page; the application content itself was not opened.company-reportedSource ↗

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 ↗

Heffernan includes HNOA in its home-care, home-health and hospice program; Beazley includes it only in BeazleyOne Environmental.

Source material

  1. 01
    Environmental Package Policy (BeazleyOne Environmental)

    Beazley · Additional Coverages: hired and non-owned auto included; Who we can help; Tools & Resources · accessed 2026-09-23

  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

Share your transportation and logistics needs with Embarcadero Risk to discuss next steps.

Contact Embarcadero Risk