Amelia Risk vs 
Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance
Amelia Risk brokers HNOA across GL or monoline placements; Heffernan places it inside a home care, home health and hospice program.
What Is Amelia Risk?
Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. 1,2,3
What Is Heffernan Insurance Brokers?
Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. 6,7,8
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. 10,11,12
Key Differences in Hired and Non-Owned Auto Insurance
General Brokerage Versus a Home Care Bundle
Amelia Risk places HNOA as a brokerage product that can sit on general liability or stand alone. Heffernan places hired and non-owned auto liability inside its home care, home health and hospice insurance program, alongside owned-auto and other package coverages, rather than underwriting it. 4 9
Industries Named
Amelia Risk’s reviewed HNOA discussion is not limited to one vertical; it addresses any company whose employees drive personal cars or that rents vehicles. Heffernan markets the 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. 4 9
What Each Says the Coverage Does
Amelia Risk describes liability for rentals and personal vehicles on company business, the gap when a personal policy will not defend the company, excess drop-down after personal limits, and declining rental-company coverage. Heffernan’s home care package lists Non-owned and Hired Auto separately from Business/Owned Auto so caregivers driving personal or rented vehicles for client visits sit on a different insuring agreement from the agency’s own fleet. Heffernan says specialists walk clients through coverage and premium questions and partners with CAHSAH and the Home Care Association of America; Amelia Risk’s process is gathering facts, approaching multiple insurers and reviewing quotes with you. Heffernan also tells agencies to start at least 30 days before working with clients. 4 2 9
Heffernan’s reviewed page does not publish HNOA limits or deductibles. 9
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
- Ask Heffernan whether non-owned and hired auto is on the home care package and how it differs from owned-auto coverage. 9
- Ask Amelia Risk whether your placement will be GL-attached or monoline. 4
- Confirm which insurer issues each quote and what limits apply; Heffernan does not publish them. 9 4
- If you are a home care agency, ask Heffernan about the 30-day application lead time and association-program terms. 9
Offering Details
Amelia Risk vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | Hired & Non-Owned Auto Liability | Heffernan Hired and Non-Owned Auto Brokerage |
|---|---|---|
| Role in This Line | Amelia Risk arranges hired and non-owned auto (HNOA) liability as a brokerage, either bundled onto a general liability policy or, when that isn't feasible, placed as a standalone (monoline) policy. 4Company-reported. General Liability page's HNOA paragraph, which the firm calls something it "loves to see" attached to a general liability policy. Does not name the issuing insurer for either arrangement. | 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. 9Company-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 | Amelia Risk tells clients they need HNOA even if the company owns no vehicles at all, because employees driving personal cars on company business, or the company renting cars, can create liability for the company. 5Company-reported. CPG page FAQ 5, framed for consumer-packaged-goods clients but describing the general rationale for the coverage. | 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. 9Company-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 | Amelia Risk describes HNOA as liability coverage for rental vehicles used on company business and for employees' use of their own personal vehicles for company business, distinct from owning company vehicles outright. 4Company-reported. General Liability page's HNOA description; a general explanation of the coverage's purpose, not a specimen policy form. Amelia Risk explains that if an employee causes an accident in a personal vehicle while the company is named in a claim, the employee's personal auto policy will not defend the company; HNOA is the policy that responds in that situation. 5Company-reported. CPG page FAQ 5's explanation of the coverage gap; describes the coverage's purpose rather than a specific policy's wording. Amelia Risk says that if an employee's personal auto policy does respond to a claim but its limits are exhausted, the client's non-owned auto liability coverage drops down and sits excess over the personal policy. 5Company-reported. CPG page FAQ 5; a general description of how the coverage layers with an employee's personal auto insurance. Amelia Risk says hired auto liability lets a client decline the rental company's own damage/liability coverage at the rental counter, because the client's HNOA policy already covers business-related rentals. 5Company-reported. CPG page FAQ 5's hired-auto explanation. | 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. 9Company-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 | Not described in the reviewed sources. | The reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. 9Not publicly disclosed. Home Care Business Insurance page as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | 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. 9Company-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 | Amelia Risk's stated process for arranging coverage, including HNOA, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. 2Company-reported. Specialties page's four numbered steps; describes the firm's general placement workflow, not an HNOA-specific application form. | 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. 9Company-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 Amelia Risk vs Heffernan Insurance Brokers Comparisons
Other Hired and Non-Owned Auto Insurance Comparisons
Sources
Amelia Risk
- Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
- Our Specialties. Amelia Risk Insurance Brokers; OUR PROCESS: understand your business, explain insurance, read the policies we offer, negotiate coverage and pricing, advocate during claims; four numbered steps ending in the client deciding how to proceed. Accessed 2026-09-23.
- About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
- General Liability. Amelia Risk Insurance Brokers; Hired & non-owned auto liability paragraph: liability coverage for rental vehicles and employees' business use of personal vehicles; standalone/monoline availability note. Accessed 2026-09-23.
- Insurance for CPG Companies. Amelia Risk Insurance Brokers; FAQ 5, "We don't have any cars - why do I need auto insurance?": hired auto liability, non-owned auto liability, personal auto policy interaction, excess drop-down explanation. Accessed 2026-09-23.
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.
