Beazley vs 
Heffernan Insurance Brokers: How Do They Compare for Hired and Non-Owned Auto Insurance?
What Are the Key Differences Between Beazley and Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance?
Caregiver Program Versus Environmental Package
Heffernan includes hired and non-owned auto liability in its home-care, home-health and hospice program, next to owned-auto and other package coverages. Beazley includes HNOA only as an additional coverage in BeazleyOne Environmental. 2 1 Choose Heffernan if you need auto coverage for caregiver visits; choose Beazley if your business fits its environmental package.
Environmental Contractors Versus Care Agencies
Beazley’s audience is engineering, consulting, project management, and contracting or remediation firms providing environmental services. Heffernan markets the bundled auto coverage to home health, in-home care, hospice, staffing-agency, infusion-therapy and home-health-aide businesses, and says those home care programs cover all states and agency sizes. 1 2
What Each Package Discloses
Heffernan lists Non-owned and Hired Auto separately from Business/Owned Auto so caregivers driving personal or rented vehicles for client visits use a different insuring agreement from the agency fleet. It tells agencies to start applications at least 30 days before working with clients, offers a free rate quote because rates vary by state, and says specialists partner with CAHSAH and the Home Care Association of America. Beazley lists hired and non-owned auto as included but does not describe covered vehicles or exclusions, does not publish limits, and links one environmental-package application rather than a separate HNOA form. Neither reviewed page publishes HNOA deductibles. 2 1
What Should You Confirm in Beazley and Heffernan Insurance Brokers 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 Beazley whether HNOA is attached on the environmental package and what it covers. 1
- Confirm application timing: Heffernan asks for 30 days before client work. 2
- Get issuing insurers, limits and state-specific rates; neither page publishes HNOA limits. 2 1
Beazley vs Heffernan Insurance Brokers Hired and Non-Owned Auto Compared
Beazley vs Heffernan Insurance Brokers: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | BeazleyOne Environmental Package Policy — Hired and Non-Owned Auto | Heffernan Hired and Non-Owned Auto Brokerage |
|---|---|---|
| Who It’s For | Availability of the hired and non-owned auto coverage follows the same audience as the rest of the package: engineering, consulting, project management, and contracting or remediation firms providing environmental services. 1Company-reported. Who we can help section applies to the package as a whole; no auto-specific eligibility criteria are listed separately. | 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. 2Company-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. |
| How to Apply | Beazley links a single application and brochure for the environmental package from the product page rather than a separate application for the hired and non-owned auto coverage. 1Company-reported. Tools & Resources links referenced on the product page; the application content itself was not opened. | 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. 2Company-reported. Home Care Business Insurance page as read on 2026-09-23; applies to the home care package generally, not solely to auto coverage. |
| Role in This Line | Hired and non-owned auto is listed as one line among several Additional Coverages inside BeazleyOne Environmental. Beazley does not offer it as a separate, standalone commercial auto product on this page. 1Company-reported. Environmental package product page; no standalone HNOA product page was found. | 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. 2Company-reported. Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line. |
