---
title: "CNA vs Heffernan Insurance Brokers: Commercial Auto Insurance"
description: "CNA publishes auto liability and named driver programs, while Heffernan places commercial auto with carriers and offers broader risk and claims services."
canonical: "https://spot.insure/compare/cna-vs-heffernan/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cna-vs-heffernan"
provider-a: "cna"
provider-b: "heffernan"
coverage-line: "commercial-auto"
---

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[Human-readable page](https://spot.insure/compare/cna-vs-heffernan/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of CNA and Heffernan Insurance Brokers for Commercial 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 Commercial Auto Insurance questions about CNA versus Heffernan Insurance Brokers. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CNA vs Heffernan Insurance Brokers for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, CNA or Heffernan Insurance Brokers?
- What does CNA or Heffernan Insurance Brokers publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Auto Insurance from CNA or Heffernan Insurance Brokers?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: CNA and Heffernan Insurance Brokers.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Heffernan Insurance Brokers](https://spot.insure/compare/cna-vs-heffernan) — parent: all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [CNA vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/cna-vs-heffernan/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Commercial Auto Insurance](https://spot.insure/compare/aig-vs-cna/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/aig-vs-heffernan/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-heffernan/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-heffernan/commercial-auto) — sibling comparison (other line, or other pair for this line)

# CNA vs Heffernan Insurance Brokers: How Do They Compare for Commercial Auto Insurance?

CNA publishes auto liability and named driver programs, while Heffernan places commercial auto with carriers and offers broader risk and claims services.

## Research Scope and Use

Use this comparison to evaluate CNA and Heffernan Insurance Brokers for Commercial Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CNA lists liability, physical damage and Driver Distractions/Cargo Securement programs. Heffernan arranges coverage through insurers and describes claims, loss-control and risk-management services without publishing auto terms. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## 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](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## 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](https://www.heffins.com/about-us/our-story/ "Our Story") [6](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [11](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## 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](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

### 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](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## What to Confirm in Commercial Auto Insurance Quotes

- Ask Heffernan for the issuing carrier, covered auto symbols, limits and deductibles. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Ask CNA which driver and cargo programs are available to your business. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance")

## Offering Details

| 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. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") (Evidence: Company-reported; scope: 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..)<br><br>CNA lists automobile liability and physical damage, and an optional Drive Other Car endorsement for executives. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: Checked the Business Insurance page on 2026-09-23..) |
| Risk Services | CNA names Driver Distractions/Cargo Securement programs and claims support. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance page contact call to action..) |

## Full Comparison

- [CNA vs Heffernan Insurance Brokers](https://spot.insure/compare/cna-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [CNA vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-property)
- [CNA vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/cna-vs-heffernan/surety-bonds)
- [AIG vs CNA Commercial Auto Insurance](https://spot.insure/compare/aig-vs-cna/commercial-auto)
- [AIG vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/aig-vs-heffernan/commercial-auto)
- [Alliance Risk vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/commercial-auto)
- [The Baldwin Group vs CNA Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-auto)
- [The Baldwin Group vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-heffernan/commercial-auto)
- [Chubb vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-heffernan/commercial-auto)

## Sources

### CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). 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.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). 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.
4. [Commercial Auto Insurance for Businesses | CNA Insurance](https://www.cna.com/products/commercial-auto). CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28.

### Heffernan Insurance Brokers

5. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
6. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). 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.
7. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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

8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
9. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16.
10. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/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.
11. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). 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.

Updated 2026-09-30. 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.

## CNA Reviews

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

## Heffernan Insurance Brokers Reviews

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

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.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-heffernan/commercial-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)