CNA vs 
Heffernan Insurance Brokers: How Do They Compare for Hired and Non-Owned 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. 7,8,9
Read the Heffernan Insurance Brokers profile
Read the Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance page
What Is Hired and Non-Owned Auto Insurance?
Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. 11,12,13
Key Differences in Hired and Non-Owned Auto Insurance
Industry Focus and Package Context
CNA describes HNOA within commercial auto and defines the exposure as business rentals or employees’ personal vehicles used for work. Heffernan places hired and non-owned auto alongside owned auto in programs for home health, in-home care, hospice, staffing, and related agencies. The latter ties the coverage to caregiver travel and an industry-specific package; CNA’s source describes the auto exposure without a home-care focus. Agencies should ask how personal-car visits and owned fleet vehicles are insured together. 5 10
Intake and Timing
CNA’s supplemental form requests driver personal-auto limits, rentals, prior HNOA, and five years of losses. Heffernan asks home-care businesses to begin at least 30 days before serving clients and offers a state-rated quote with specialist help. That lead time matters for an agency approaching its first service date; CNA’s materials instead show the exposure data requested. Confirm both the needed submission materials and whether coverage can start by the target date. 6 10
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
CNA and Heffernan Insurance Brokers Review Scores for 2026
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
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
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 reviewsCNA vs Heffernan Insurance Brokers Hired and Non-Owned Auto Compared
CNA vs Heffernan Insurance Brokers: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | Commercial Auto – Hired and Non-Owned Auto | Heffernan Hired and Non-Owned Auto Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | 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. 10Company-reported. Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line. |
| Who It’s For | CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. 5Company-reported. The guide explains the exposure and is not itself policy language or an eligibility rule. | 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. 10Company-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. |
| Coverage Features | CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. 4Company-reported. This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions. | 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. 10Company-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. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. 10Not publicly disclosed. Home Care Business Insurance page as read on 2026-09-23. |
| Risk Services | CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. 4Company-reported. These are commercial-auto program services, not proof of a particular account’s enrollment or outcome. | 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. 10Company-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. |
| How to Apply | A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. 6Company-reported. The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today. | 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. 10Company-reported. Home Care Business Insurance page as read on 2026-09-23; applies to the home care package generally, not solely to auto coverage. |
Related Pages for CNA vs Heffernan Insurance Brokers
Hired and Non-Owned Auto Pages for CNA and Heffernan Insurance Brokers
Other Coverage Lines Compared for CNA vs Heffernan Insurance Brokers
Other Hired and Non-Owned Auto Insurance Provider Comparisons
Sources for CNA vs Heffernan Insurance Brokers
Sources About 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; Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30. Accessed 2026-09-30.
- Hired and Non-Owned Auto Exposures. CNA; Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30. Accessed 2026-09-30.
- Hired / Non-Owned Auto Supplemental Application. CNA; PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30. Accessed 2026-09-30.
Sources About 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: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
- Home Care Business Insurance. 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.
Sources for the Hired and Non-Owned Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Non-Owned Auto Liability Insurance. Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
- Business Auto Coverage Form. ISO; hosted by National General; I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7. Accessed 2026-09-16.
