Heffernan vs Hub International: Hired and Non-Owned Auto Insurance

Heffernan Insurance Brokers bundles HNOA for home-care agencies; HUB International arranges it as an endorsement across sectors where staff use personal or rented cars.

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

Heffernan includes HNOA in its home-care, home-health and hospice program for caregiver visits; HUB attaches it to auto or GL and can add physical-damage options and fleet tools.

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

Caregiver Program Versus Flexible Auto or GL Rider

Heffernan includes hired and non-owned auto liability in its home-care, home-health and hospice insurance program. HUB attaches HNOA to commercial auto or GL and can add theft or physical-damage options, alongside fleet-management tools. [2] [4] [5] Choose Heffernan if you operate a care agency and want HNOA within its caregiver program; choose HUB if you need a flexible auto or GL rider with physical-damage options.

Vertical Focus

Heffernan names home health, in-home care, hospice, staffing-agency, infusion-therapy and home-health-aide businesses, covering all states and agency sizes. HUB names transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles. Healthcare appears on both lists, but Heffernan’s reviewed HNOA discussion is the home care package, not a general commercial auto rider. [2] [5]

Services and Optional Physical Damage

Heffernan lists Non-owned and Hired Auto separately from Business/Owned Auto for caregiver trips, asks agencies to apply at least 30 days before client work, and cites CAHSAH and Home Care Association of America partnerships. HUB says additional protection can be available for theft or physical damage to non-owned vehicles and recommends fleet-management technology. Neither reviewed source publishes HNOA limits, and HUB’s pages do not name the issuing insurer. [2] [5] [4]

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

  • Ask Heffernan how non-owned and hired auto differs from owned auto on the home care package. [2]
  • Ask HUB whether the rider sits on commercial auto or GL and whether physical damage is included. [5]
  • Confirm Heffernan’s 30-day lead time if you are a care agency. [2]
  • Get issuing insurers and limits from both. [2] [4]

Coverage topics

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 ↗

HUB International

  • role: HUB brokers hired and non-owned auto (HNOA) liability coverage as part of its commercial auto practice, arranging it as an endorsement or rider on a client's commercial auto or general liability policy rather than underwriting it directly. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.company-reportedSource ↗Source ↗
  • eligibility: HUB says HNOA exposure applies to organizations across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. HNOA blog post sector list; not an underwriting appetite statement.company-reportedSource ↗
  • coverage: HUB describes HNOA coverage as protecting a business when it rents or leases a vehicle, and when an employee's personal vehicle is used for work and the personal auto policy excludes or limits business use, leaving the business exposed if a claim exceeds the employee's own limits. HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim.company-reportedSource ↗
  • coverage: HUB says HNOA liability is typically added as a rider or endorsement to an existing commercial auto or general liability policy, with additional protection available for theft or physical damage to non-owned vehicles used for business. HNOA blog post coverage-structure section.company-reportedSource ↗
  • services: HUB says it recommends technology-driven fleet management tools for HNOA programs, including automated documentation, real-time insurance-data access, driver monitoring and usage-based insurance, to help clients manage compliance and cost. HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product.company-reportedSource ↗
  • insurer: Neither the commercial auto product page nor the HNOA blog post names the insurer that issues an HNOA endorsement; the carrier depends on the underlying commercial auto or general liability placement. Checked both pages on 2026-09-23.not-foundSource ↗Source ↗
  • limits: Published HNOA limits, sublimits or retentions were not found on the reviewed pages. Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations.not-disclosedSource ↗Source ↗

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
    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

  3. 03
    Non-Owned Auto Liability Insurance

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

  4. 04
    Commercial Auto Insurance Broker Policy & Coverage

    HUB International · Coverage types list including hired and non-owned exposures, long and short-haul transportation, uninsured/underinsured motorists; Post-Accident Checklist · accessed 2026-09-23

  5. 05
    Make & Brake: Protect your business financially with hired and non-owned auto insurance

    HUB International · What HNOA covers; who needs it (transportation, hospitality, education, healthcare, nonprofit, gig/shared-economy sectors); coverage structure as a rider or endorsement; technology-driven fleet management recommendations · accessed 2026-09-23

  6. 06
    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