CNA vs Heffernan: Hired and Non-Owned Auto Insurance

CNA describes business-use auto liability and application details; Heffernan Insurance Brokers includes hired and non-owned autos in home-care coverage.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-10-01

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

Industry Focus and Package Context

CNA describes HNOA within commercial auto and defines the exposure as business rentals or employees’ personal vehicles used for work. Heffernan places hired and non-owned auto alongside owned auto in programs for home health, in-home care, hospice, staffing, and related agencies. The latter ties the coverage to caregiver travel and an industry-specific package; CNA’s source describes the auto exposure without a home-care focus. Agencies should ask how personal-car visits and owned fleet vehicles are insured together. [4] [5]

Intake and Timing

CNA’s supplemental form requests driver personal-auto limits, rentals, prior HNOA, and five years of losses. Heffernan asks home-care businesses to begin at least 30 days before serving clients and offers a state-rated quote with specialist help. That lead time matters for an agency approaching its first service date; CNA’s materials instead show the exposure data requested. Confirm both the needed submission materials and whether coverage can start by the target date. [3] [5]

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

  • Ask Heffernan how HNOA and owned-auto agreements apply to caregiver trips in your states. [5]
  • Ask CNA what driver and loss documents to prepare and when coverage could begin. [3]

CNA’s supplemental application asks for personal-auto limits, rental use, prior HNOA, and five years of losses. Heffernan includes HNOA with owned auto in home-care programs for agencies and recommends starting 30 days before client work.

Source material

  1. 01
    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

  2. 02
    Commercial Auto Insurance for Businesses

    CNA · Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30. · accessed 2026-09-30

  3. 03
    Hired / Non-Owned Auto Supplemental Application

    CNA · PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30. · accessed 2026-09-30

  4. 04
    Hired and Non-Owned Auto Exposures

    CNA · Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30. · accessed 2026-09-30

  5. 05
    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

  6. 06
    Non-Owned Auto Liability Insurance

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

  7. 07
    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

Coverage topics

CNA

  • coverage: CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions.company-reportedSource ↗
  • eligibility: CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. The guide explains the exposure and is not itself policy language or an eligibility rule.company-reportedSource ↗
  • application: A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today.company-reportedSource ↗
  • services: CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. These are commercial-auto program services, not proof of a particular account’s enrollment or outcome.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 ↗

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