--- title: "Beazley vs Heffernan Insurance Brokers: Hired and Non-Owned Auto Insurance" description: "Heffernan includes HNOA in its home-care, home-health and hospice program; Beazley includes it only in BeazleyOne Environmental." canonical: "https://spot.insure/compare/beazley-vs-heffernan/hired-non-owned-auto" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "beazley-vs-heffernan" provider-a: "beazley" provider-b: "heffernan" coverage-line: "hired-non-owned-auto" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/compare/beazley-vs-heffernan/hired-non-owned-auto) ## Agent Guide **What this page is:** Focused comparison of Beazley and Heffernan Insurance Brokers for Hired and Non-Owned Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Hired and Non-Owned Auto Insurance questions about Beazley versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Beazley vs Heffernan Insurance Brokers for Hired and Non-Owned Auto Insurance: how do they differ? - Which is better for Hired and Non-Owned Auto Insurance, Beazley or Heffernan Insurance Brokers? - What does Beazley or Heffernan Insurance Brokers publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Hired and Non-Owned Auto Insurance. Providers: Beazley and Heffernan Insurance Brokers. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Beazley vs Heffernan Insurance Brokers](https://spot.insure/compare/beazley-vs-heffernan) — all coverage lines for this pair - [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — how this coverage works - [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile # Beazley vs Heffernan Insurance Brokers: How Do They Compare for Hired and Non-Owned Auto Insurance? Beazley limits the cited HNOA listing to environmental-service firms; Heffernan Insurance Brokers offers it within a package for home care and health businesses. Heffernan targets home-care and hospice programs; Beazley includes HNOA in its environmental package. ## Beazley vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance Summary Heffernan includes HNOA in its home-care, home-health and hospice program; Beazley includes it only in BeazleyOne Environmental. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") 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](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") ### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") ## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") - Ask Beazley whether HNOA is attached on the environmental package and what it covers. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") - Confirm application timing: Heffernan asks for 30 days before client work. [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") - Get issuing insurers, limits and state-specific rates; neither page publishes HNOA limits. [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") ## Beazley vs Heffernan Insurance Brokers Hired and Non-Owned Auto Compared | 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. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Company-reported; scope: 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. [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Company-reported; scope: 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. [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Company-reported; scope: 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. [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line..) | ## About Beazley and Heffernan Insurance Brokers - [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews) - [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews) - [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto) ## Related Pages for Beazley vs Heffernan Insurance Brokers - [Beazley vs Heffernan Insurance Brokers](https://spot.insure/compare/beazley-vs-heffernan): all coverage lines, business roles, service and claims. - [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto): Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work, but it does not cover damage to those vehicles. - [Beazley Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/beazley/hired-non-owned-auto) - [Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/heffernan/hired-non-owned-auto) ## Sources for Beazley vs Heffernan Insurance Brokers ### Sources About Beazley 1. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; Additional Coverages: hired and non-owned auto included; Who we can help; Tools & Resources. Accessed 2026-09-23. ### Sources About Heffernan Insurance Brokers 2. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). 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. Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/beazley-vs-heffernan/hired-non-owned-auto.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)