Heffernan vs The Hartford: Hired and Non-Owned Auto Insurance

Heffernan Insurance Brokers packages HNOA for care providers and asks them to start 30 days ahead; The Hartford directs buyers to a local agency for a quote.

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

The Hartford defines hired and non-owned HNOA and sells it through local agencies or Tivly; Heffernan includes it in home-care and hospice programs.

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
    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

  5. 05
    Hired and Non-Owned Vehicle Insurance | HNOA

    The Hartford · What Is Hired and Non-Owned Auto Insurance?; What Are Considered Non-Owned Vehicles?; What Is Considered a Hired Auto?; What Does Hired and Non-Owned Vehicle Insurance Cover?; What Is Not Covered; Do You Need Hired and Non-Owned Auto Coverage?; What Does Non-Owned Auto Coverage Cost? · accessed 2026-09-23

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

Caregiver Program Versus Defined Commercial Auto Product

Heffernan includes hired and non-owned auto liability in its home-care, home-health and hospice insurance program. The Hartford defines hired coverage for rented, leased or borrowed vehicles and non-owned coverage for employees’ personal vehicles used for business, and publishes coverage details and exclusions. It sells through a local agency or Tivly, not online. [2] [5] Choose Heffernan if you operate a care agency and want HNOA in that program; choose The Hartford if you need the defined two-part commercial auto product through an agent.

Who Each Is Written For

Heffernan markets the bundle to home health, in-home care, hospice, staffing-agency, infusion-therapy and home-health-aide businesses in all states and agency sizes. The Hartford recommends HNOA for businesses that rent or borrow vehicles, or whose employees use personal vehicles for deliveries or client meetings, without limiting the product to home care. [2] [5]

Published Exclusions, Timing and Channel

The Hartford lists what HNOA helps pay for bodily injury and property damage, and excludes damage to the hired or non-owned vehicle, staff injuries, theft from the vehicle, wear and tear and personal-use accidents. Heffernan lists Non-owned and Hired Auto separately from owned auto for caregiver trips but does not publish that pay-out list or HNOA limits. Heffernan asks agencies to apply at least 30 days before client work. The Hartford does not sell HNOA online for small businesses and points buyers to a local agency or Tivly. [5] [2]

What Should You Confirm in Heffernan Insurance Brokers and The Hartford 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 The Hartford or Tivly for hired versus non-owned limits and listed exclusions. [5]
  • Confirm Heffernan’s 30-day lead time and Hartford’s offline quote path. [2] [5]
  • Get issuing insurers and deductibles from both. [2] [5]

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 ↗

The Hartford

  • role: The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. HNOA product page as read 2026-09-23.company-reportedSource ↗
  • coverage: The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. HNOA product page as read 2026-09-23. General coverage description; the issued policy controls.company-reportedSource ↗
  • eligibility: The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. HNOA product page as read 2026-09-23.company-reportedSource ↗
  • application: Like standard commercial auto, HNOA is not currently sold online for small businesses; The Hartford directs buyers to a local agency or its partner Tivly for a quote. HNOA product page as read 2026-09-23.company-reportedSource ↗
  • limits: The Hartford says non-owned auto coverage cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented for business; the page does not publish standard liability limits. HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit.not-disclosedSource ↗

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