Beazley vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance

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. ⁵Company-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. ⁹Company-reported. Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line.

The page does not name the Beazley entity that would issue the hired and non-owned auto coverage within this package. ⁵Not publicly disclosed. Environmental package product page as read on 2026-09-23; no issuing-entity disclosure found there.

Not described in the reviewed sources.

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. ⁵Company-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. 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.

The product page lists 'hired and non-owned auto included' among the package's Additional Coverages, alongside items like automatic additional-insured status and a blanket waiver of subrogation, but does not describe the insuring agreement, covered vehicles or exclusions for it. ⁵Not publicly disclosed. Additional Coverages bullet list; the single-line mention is the only detail available on this page.

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.

The reviewed page does not publish liability limits, deductibles or self-insured retentions for the hired and non-owned auto coverage. ⁵Not found in reviewed sources. Environmental package product page as read on 2026-09-23; limits appear only on an actual quote.

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.

The reviewed page does not describe auto-specific risk services, such as driver safety or fleet-management programs, beyond the package's general claims-management commitment. ⁵Not found in reviewed sources. Environmental package product page as read on 2026-09-23.

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.

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. ⁵Company-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. 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.