Heffernan vs Markel: Hired and Non-Owned Auto Insurance

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 ↗

Markel Insurance

role: Markel lists hired and non-owned auto among casualty coverage options for small-business risks. Coverage option in small-business casualty materials; not a standalone commercial auto product.company-reportedSource ↗
eligibility: The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. No general eligibility inference.company-reportedSource ↗
coverage: The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. Policy-level details remain unestablished.company-reportedSource ↗

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

Home-Care Package and Audience

Heffernan Insurance Brokers places hired and non-owned auto within a home-care, home-health and hospice program alongside owned-auto coverage. It identifies staffing, infusion-therapy and home-health-aide businesses and says its programs cover all states and agency sizes. Markel Insurance lists HNOA in a small-business casualty and property portfolio but does not enumerate eligible classes. For an agency whose caregivers drive personal or rented vehicles to client visits, Heffernan describes a specific segment and a separate HNOA agreement; Markel buyers should establish class fit and structure in the quote. [2] [2] [2] [5]

Timing and Specialist Help

Heffernan asks home-care businesses to begin at least 30 days before serving clients, offers free rate quotes and says home-care specialists discuss coverage and premium questions. Markel's HNOA listing gives no application timeline or specialist-service details. Agencies planning a launch can use Heffernan's stated lead time as a planning prompt and ask Markel when a complete proposal can be delivered. [2] [2] [5]

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

Ask Heffernan which HNOA agreement applies to caregivers and how it coordinates with owned-auto coverage; ask Markel to confirm eligibility for home-care operations. [2] [5]
Confirm application lead time, insurer, limits and exclusions in each quote. [2] [5]

Heffernan lists hired and non-owned auto separately from owned auto in a home-care package and advises applying at least 30 days before client work. Markel lists HNOA but does not enumerate eligible classes.

Source material

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
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
03
Non-Owned Auto Liability Insurance
Hiscox · What is covered?; Who is covered; What the policy does not cover · accessed 2026-09-16
04
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
05
Small Business Casualty and Property Insurance
Markel · What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. · accessed 2026-09-29