CNA vs 
Heffernan Insurance Brokers: How Do They Compare for Commercial Auto Insurance?
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 1,2,3
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. 5,6,7
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. 8,9,10,11
Key Differences in Commercial Auto Insurance
Auto Terms Versus Brokerage Services
CNA identifies bodily-injury and property-damage liability for owned, hired and non-owned business vehicles, plus physical damage and an optional executive endorsement. Heffernan lists commercial auto among the coverages it places with carriers, but its business-insurance overview does not specify auto agreements, limits or exclusions. If you need to compare protection before receiving proposals, CNA publishes more line detail; with Heffernan, request the carrier form and schedule. 4 4 7 7
Safety Programs and Client Support
CNA names Driver Distractions and Cargo Securement programs for auto customers. Heffernan describes claims services, loss control, HR consulting and risk assessment across its business insurance clients, a broader service menu rather than a specifically named auto program. Ask how each service applies to driver training, fleet loss prevention and accident response for your account. 4 7
What to Confirm in Commercial Auto Insurance Quotes
Review Scores
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.
CNA
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsHeffernan Insurance Brokers
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 reviewsOffering Details
CNA vs Heffernan Insurance Brokers: Commercial Auto Insurance: documented features by provider
| Criteria | CNA Commercial Auto | Heffernan Commercial Auto Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | 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. 7Company-reported. Business Insurance page's basic-coverages list. |
| Issuing Insurer | Confirm in your quote. | No insurer is named for commercial auto on the reviewed page; the issuing carrier would appear on the quote and declarations. 7Not publicly disclosed. Checked the Business Insurance page on 2026-09-23. |
| Coverage Features | CNA commercial auto covers business-use owned, hired and non-owned vehicles for bodily injury/property damage. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA lists automobile liability and physical damage, and an optional Drive Other Car endorsement for executives. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | 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. 7Company-reported. Business Insurance page's basic-coverages list, a single-line mention. |
| Limits and Retentions | Confirm in your quote. | The business insurance page does not publish limits, deductibles or premium ranges for commercial auto coverage. 7Not publicly disclosed. Checked the Business Insurance page on 2026-09-23. |
| Risk Services | CNA names Driver Distractions/Cargo Securement programs and claims support. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | 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. 7Company-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. 7Company-reported. Business Insurance page contact call to action. |
Full Comparison
More CNA vs Heffernan Insurance Brokers Comparisons
Other Commercial Auto Insurance Comparisons
Sources
CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Commercial Auto Insurance for Businesses | CNA Insurance. CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28.
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.
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.
