Aon vs 
Heffernan Insurance Brokers: How Do They Compare for Commercial Auto Insurance?
What Is Aon?
Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. 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 Commercial Auto Insurance page
What Is Commercial Auto Insurance?
Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. 7,8,9,10
What Are the Key Differences Between Aon and Heffernan Insurance Brokers Commercial Auto Insurance?
Place in the Client’s Program
Heffernan Insurance Brokers lists commercial auto beside general liability, property, and workers’ compensation as coverage it arranges for business clients. Aon’s reviewed Automobile Liability description sits within its Professional Services Practice and is aimed at law, accounting, and consulting firms. A professional-services company should ask how auto fits into its wider program with either broker, while an operating fleet should clarify whether Aon’s audience-specific page applies to its business. 6 3
Support and Policy Specifics
Heffernan Insurance Brokers says its business-insurance clients can access claims services, loss control, HR consulting, and risk-management support, but its page does not detail commercial-auto limits or exclusions. Aon describes advice for risk-management and human-capital decisions but likewise provides no vehicle schedule or auto wording. Ask each team to identify which services apply to this line and request the insurer’s forms and declarations for the actual fleet. 6 3
What Should You Confirm in Aon and Heffernan Insurance Brokers Commercial Auto Insurance Quotes?
Aon and Heffernan Insurance Brokers Review Scores for 2026
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.
Aon Review Score
Review Score
3 rated sources
Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.[4][6][7]
Read Aon reviewsHeffernan Insurance Brokers Review Score
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 reviewsAon vs Heffernan Insurance Brokers Commercial Auto Insurance Compared
Aon vs Heffernan Insurance Brokers: Commercial Auto Insurance: documented features by provider
| Criteria | Aon Automobile Liability brokerage and risk-advisory offering | Heffernan Commercial Auto Insurance Brokerage |
|---|---|---|
| Role in This Line | Aon presents Automobile Liability as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. 3Company-reported. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement. | Heffernan lists commercial auto insurance among the basic business-insurance coverages it arranges, alongside general liability, commercial property and workers' compensation. As a broker, it places this coverage with insurance carriers rather than underwriting it itself. 6Company-reported. Business Insurance page's basic-coverages list. |
| Issuing Insurer | The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. 3Not found in reviewed sources. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement. | No insurer is named for commercial auto on the reviewed page; the issuing carrier would appear on the quote and declarations. 6Not publicly disclosed. Checked the Business Insurance page on 2026-09-23. |
| Who It’s For | Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. 3Company-reported. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement. | Confirm in your quote. |
| Coverage Features | Aon lists Automobile Liability in its property-and-casualty offerings for professional services firms. The page does not describe covered autos, drivers, liability limits or policy terms. 3Company-reported. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage. | The business insurance page lists commercial auto as one of the basic coverages Heffernan can provide, without describing specific insuring agreements, limits or exclusions for the line. 6Company-reported. Business Insurance page's basic-coverages list, a single-line mention. |
| Limits and Retentions | The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. 3Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed. | The business insurance page does not publish limits, deductibles or premium ranges for commercial auto coverage. 6Not publicly disclosed. Checked the Business Insurance page on 2026-09-23. |
| Risk Services | Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. 3Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated. | Heffernan says clients arranging its business insurance coverages, including commercial auto, get access to its claims services, loss control, HR consulting, and risk management and assessment services. 6Company-reported. Business Insurance page's services paragraph, described at the whole business-insurance-program level rather than specific to commercial auto. |
| How to Apply | Confirm in your quote. | The page's call to action directs buyers to contact Heffernan Insurance Brokers directly to find out what it can do for their business, including commercial auto. No separate online quoting flow specific to commercial auto is described. 6Company-reported. Business Insurance page contact call to action. |
Related Pages for Aon vs Heffernan Insurance Brokers Commercial Auto
Commercial Auto Pages for Aon and Heffernan Insurance Brokers
Other Coverage Lines Compared for Aon vs Heffernan Insurance Brokers
Other Commercial Auto Insurance Provider Comparisons
Sources for Aon vs Heffernan Insurance Brokers
Sources About Aon
- Commercial Risk Solutions U.S. Brokerage Terms of Service. Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed. Accessed 2026-09-29.
- Middle Market Clients. Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page. Accessed 2026-09-29.
- Professional Services Practice. Aon; Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. Accessed 2026-09-30.
Sources About 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 for 21st Century Exposures: basic coverages including general liability, commercial property, commercial auto, workers' compensation and global/foreign exposures; claims services, loss control, HR consulting and risk management and assessment services; alternative risk arrangements. Accessed 2026-09-23.
Sources for the Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
- Auto Insurance. NAIC; Coverages. Accessed 2026-09-16.
- Business Vehicle Insurance. Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
- Business Auto Coverage Form. Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16.
