What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is Heffernan Insurance Brokers?
Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. 4,5,6
Read the Heffernan Insurance Brokers profile
Read the Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance page
What Is Hired and Non-Owned Auto Insurance?
Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. 8,9,10
Key Differences in Hired and Non-Owned Auto Insurance
Different package audiences
AIG’s HNOA entry appears only in its Manufactured Housing Program, covering listed housing communities and related dealers. Heffernan instead places hired and non-owned auto within programs for home health, in-home care, hospice, staffing and infusion-therapy agencies. A home-care company should evaluate Heffernan’s named program; a manufactured-housing operator can ask AIG about its listed option. The two audiences are not interchangeable. 3 7
Drivers and timing for care agencies
Heffernan lists non-owned and hired auto alongside owned auto, as a separate agreement for caregivers driving personal or rented vehicles to client visits. AIG’s listing identifies HNOA as a program component but does not define its drivers or covered use. Ask for the named auto agreements and confirm how agency-owned vehicles, rented cars and employee cars each appear. 7 3
Plan around the start date
Heffernan advises home-care businesses to start at least 30 days before serving clients and says rates vary by state; AIG describes program resources but no HNOA quote timeline. An agency opening soon should ask both contacts for submission deadlines and binding steps, and verify which limits and states the issued policy covers. 7 3
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
- Is your agency eligible for AIG’s Manufactured Housing Program or Heffernan’s home-care program, and in which states?
- Which auto agreements, limits and effective dates will cover staff using personal, rented and agency-owned vehicles?
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsHeffernan Insurance Brokers
Review Score
1 rated source
Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.[6][7][8]
Read Heffernan Insurance Brokers reviewsOffering Details
AIG vs Heffernan Insurance Brokers: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | AIG Manufactured Housing Program Hired and Non-Owned Auto | Heffernan Hired and Non-Owned Auto Brokerage |
|---|---|---|
| Role in This Line | AIG’s public directory supports HNOA only as a listed component of its Manufactured Housing Program; it does not establish a broad standalone HNOA policy. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | 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. 7Company-reported. Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line. |
| Who It’s For | AIG lists hired and non-owned auto only in its Manufactured Housing Program for manufactured-home communities, certain RV parks/destination resorts, retail manufactured-housing dealers and recreational-unit dealers (excluding RV dealers). This is not general HNOA eligibility. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | 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. 7Company-reported. 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. |
| Coverage Features | AIG lists Hired and Non-Owned Auto as a coverage component of the named Manufactured Housing Program. The directory does not define covered drivers, vehicles, use, limits or exclusions. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | 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. 7Company-reported. 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. |
| Limits and Retentions | No HNOA limit, deductible or covered-auto schedule appears in the directory. Confirm these in the program quote and issued form. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. 7Not publicly disclosed. Home Care Business Insurance page as read on 2026-09-23. |
| Risk Services | AIG describes Program Administrator support, underwriting, claims and loss-control resources for its programs. The page does not state account-level HNOA claims handling or services beyond those program-wide descriptions. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | 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. 7Company-reported. Home Care Business Insurance page as read on 2026-09-23; described for the home care program generally, not exclusively for the auto coverage. |
| How to Apply | Confirm in your quote. | 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. 7Company-reported. Home Care Business Insurance page as read on 2026-09-23; applies to the home care package generally, not solely to auto coverage. |
Full Comparison
More AIG vs Heffernan Insurance Brokers Comparisons
Other Hired and Non-Owned Auto Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- AIG Programs Insurance. AIG; Official AIG program directory, lines 510–525: Manufactured Housing audience, Hired and Non-Owned Auto coverage listing, and Nationwide program location; lines 242–284 describe program administration and services; policy terms caveat at line 680. Accessed 2026-09-30.
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
- Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
- 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.
Hired and Non-Owned Auto Insurance Guide
- 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.
- Non-Owned Auto Liability Insurance. Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
- 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.
