AIG vs Heffernan: Trucking Insurance

Heffernan Insurance Brokers is a broker with a dedicated transportation team covering auto liability, cargo and more through appointed carriers; AIG targets for-hire fleets of 11 to 250 heavy power units through select brokers.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

What Are the Key Differences Between AIG and Heffernan Insurance Brokers Trucking Insurance?

Appetite and fleet size

AIG targets small and midsize for-hire trucking companies with fleets of 11–250 heavy power units and predominantly Class A/B CDL drivers. Heffernan identifies trucking and logistics as one of several transportation specialties, including fuel haulers, oilfield trucking, and towing, but does not publish a comparable unit threshold. An operator should test its fleet size and hauling mix against both underwriting conversations. [1] [2]

Risk support and submission

Heffernan offers a DOT compliance platform, accident-register forms, audit consulting, and risk-financing choices that can extend to self-insured retentions, captives, and master programs. AIG describes fleet safety and compliance consulting, claims professionals, and a 24/7 incident hotline. Ask which services are included for the account and who can be reached after an incident. [1] [2]

What Should You Confirm in AIG and Heffernan Insurance Brokers Trucking Insurance Quotes?

  • Ask AIG how its fleet and driver thresholds apply and which coverages are included in the proposed program. [1]
  • Ask Heffernan Transportation which specialist, carrier, and trucking services apply to your operation. [2]

AIG describes fleet safety and DOT-compliance consulting with a 24/7 incident hotline; Heffernan lists DOT tools and financing options from first-dollar cover through captives.

Source material

  1. 01
    Truck Insurance Group

    AIG · Official AIG Truck Insurance Group page: for-hire trucking target, auto liability/physical damage/general liability, selection criteria, risk consulting and incident-management support. · accessed 2026-09-30

  2. 02
    Transportation Insurance

    Heffernan Insurance Brokers · Our transportation subsectors include: Trucking/Logistics...; Appointed with top transportation carriers, from first dollar to self-insurance: First dollar, Mid to Large Deductibles, Self-insured Retention, Captives, Master Programs; Safety Services: DOT Compliance Platform, Accident registers and report forms, DOT Audit Consulting; We offer the following exclusive and sponsored products: Auto Liability, Motor Truck Cargo, Physical Damage, General Liability, Cyber & Management Liability, Excess and Umbrella, Worker's Comp Group; Heffernan Transportation Insurance Practice Leaders Matt Planeta and Kenny Planeta · accessed 2026-09-23

  3. 03
    Business Vehicle Insurance

    Insurance Information Institute · Opening: cars, trucks, vans; BACF autos defined to include cars, trucks, trailers, vans; Does a Business Umbrella Cover Autos?; owned, hired and non-owned autos; Do I Need a Business Auto Policy?; What Vehicles Are Covered?; Be Sure the Right Insured Is on the Policy · accessed 2026-09-16

  4. 04
    Products

    Kinro · 05 Trucking Insurance: auto liability, cargo, physical damage, filings; when to review: hauling, cargo, filings, radius, contracts · accessed 2026-09-16

  5. 05
    49 CFR 387.9 Financial responsibility, minimum levels

    Legal Information Institute (eCFR text) · Table 1 to § 387.9 Schedule of Limits—Public Liability: type of carriage, commodity, GVWR · accessed 2026-09-16

  6. 06
    Commercial Auto Biennial Report

    Texas Department of Insurance · p.7 Policies: Business auto vs Motor carrier (can include cargo); Truckers vs non-truckers; FMCSA interstate minimums mentioned without amounts · accessed 2026-09-16

Coverage topics

AIG

  • role: AIG markets a trucking-focused insurance group rather than a universal trucking package. It names automobile liability, physical damage and general liability products for the described segment. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG names small and midsize for-hire trucking businesses with fleets of 11–250 heavy power units, predominantly Class A/B CDL drivers and at least four years’ operating experience; the page says products are available through select brokers. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: AIG lists admitted auto liability, physical damage and general liability products for this trucking segment. The page does not state that every coverage is included in every account’s program or describe a buyer’s policy wording. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG describes trucking-focused underwriting, fleet safety and DOT-compliance consulting, claims professionals and a 24/7 incident hotline. These are services and do not guarantee claim payment. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: AIG says liability deductibles up to $50,000 may be available. The page gives no standard policy limit or account-specific deductible. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

Heffernan Insurance Brokers

  • role: Heffernan names trucking/logistics as a transportation subsector served by a dedicated specialist team, placing coverage with appointed carriers rather than underwriting it. Transportation Insurance page as read on 2026-09-23.company-reportedSource ↗
  • eligibility: Heffernan lists trucking/logistics alongside fuel haulers, oilfield trucking, towing, and other transportation subsectors as businesses its transportation team is built to serve. Transportation Insurance page as read on 2026-09-23.company-reportedSource ↗
  • coverage: For trucking and its other transportation subsectors, Heffernan lists exclusive and sponsored products covering auto liability, motor truck cargo, physical damage, general liability, cyber and management liability, excess and umbrella, and a workers' compensation group program. Transportation Insurance page as read on 2026-09-23; the page does not break out which products apply specifically to trucking versus other subsectors.company-reportedSource ↗
  • services: Heffernan describes trucking-relevant risk-financing options from first-dollar coverage through mid-to-large deductibles, self-insured retentions, captives, and master programs, plus a DOT compliance platform, accident-register forms, and DOT audit consulting. Transportation Insurance page as read on 2026-09-23.company-reportedSource ↗
  • application: Heffernan directs transportation buyers, including trucking companies, to named practice leaders Matt Planeta and Kenny Planeta to start a quote. Transportation Insurance page as read on 2026-09-23.company-reportedSource ↗
  • insurer: Heffernan says it is 'appointed with top transportation carriers' but the reviewed page does not name a specific insurer for trucking placements. Transportation Insurance page as read on 2026-09-23.not-disclosedSource ↗

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