---
title: "CNA vs Heffernan Insurance Brokers: Hired and Non-Owned Auto Insurance"
description: "CNA’s HNOA form gathers vehicle-use and loss-history details; Heffernan places the coverage in home-care auto programs and advises applying 30 days before work begins."
canonical: "https://spot.insure/compare/cna-vs-heffernan/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-heffernan"
provider-a: "cna"
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. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of CNA 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 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 Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, CNA or Heffernan Insurance Brokers?
- What does CNA or Heffernan Insurance Brokers publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Hired and Non-Owned Auto Insurance from CNA or Heffernan Insurance Brokers?

**Key facts:**
- Line: Hired and Non-Owned 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 2026-10-01. 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
- [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-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 Builders Risk Insurance](https://spot.insure/compare/cna-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/cna-vs-heffernan/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-heffernan/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [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 Crime Insurance](https://spot.insure/compare/cna-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/cna-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/cna-vs-heffernan/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-heffernan/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-heffernan/professional-errors-omissions) — 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)
- [CNA vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-heffernan/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-heffernan/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Beazley vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-heffernan/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)

# CNA vs Heffernan Insurance Brokers: How Do They Compare for Hired and Non-Owned Auto Insurance?

CNA’s HNOA form gathers vehicle-use and loss-history details; Heffernan places the coverage in home-care auto programs and advises applying 30 days before work begins.

## How to Use the CNA vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance Comparison

Use this comparison to evaluate CNA and Heffernan Insurance Brokers for Hired and Non-Owned 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.

## CNA vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance Summary

CNA’s supplemental application asks for personal-auto limits, rental use, prior HNOA, and five years of losses. Heffernan includes HNOA with owned auto in home-care programs for agencies and recommends starting 30 days before client work. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [10](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business 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](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. [7](https://www.heffins.com/about-us/our-story/ "Our Story") [8](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

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

## 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [13](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## What Are the Key Differences Between CNA and Heffernan Insurance Brokers 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](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") [10](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [10](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## What Should You Confirm in CNA and Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance Quotes?

- Ask Heffernan how HNOA and owned-auto agreements apply to caregiver trips in your states. [10](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Ask CNA what driver and loss documents to prepare and when coverage could begin. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application")

## CNA vs Heffernan Insurance Brokers Hired and Non-Owned Auto Compared

| 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. [10](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..) |
| 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. [5](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") (Evidence: Company-reported; scope: 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. [10](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..) |
| Coverage Features | CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: 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. [10](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; 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. [10](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: 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. [10](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; 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. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") (Evidence: Company-reported; scope: 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. [10](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..) |

## Related Pages for CNA vs Heffernan Insurance Brokers

- [CNA vs Heffernan Insurance Brokers](https://spot.insure/compare/cna-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.
- [CNA vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/cna-vs-heffernan/builders-risk)
- [CNA vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/cna-vs-heffernan/business-owners-policy)
- [CNA vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-heffernan/cargo-transit)
- [CNA vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-auto)
- [CNA vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-property)
- [CNA vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/cna-vs-heffernan/crime)
- [CNA vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/cna-vs-heffernan/cyber)
- [CNA vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/employment-practices)
- [CNA vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/cna-vs-heffernan/fidelity-bonds)
- [CNA vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/fiduciary)
- [CNA vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/general-liability)
- [CNA vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-heffernan/medical-malpractice)
- [CNA vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-heffernan/professional-errors-omissions)
- [CNA vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/cna-vs-heffernan/surety-bonds)
- [CNA vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-heffernan/workers-compensation)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto)
- [AIG vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-heffernan/hired-non-owned-auto)
- [Amelia Risk vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto)
- [Amelia Risk vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/hired-non-owned-auto)
- [Beazley vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-cna/hired-non-owned-auto)
- [Beazley vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-heffernan/hired-non-owned-auto)

## Sources for CNA vs Heffernan Insurance Brokers

### Sources About 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](https://www.cna.com/products/commercial-auto). 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.
5. [Hired and Non-Owned Auto Exposures](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid=). 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.
6. [Hired / Non-Owned Auto Supplemental Application](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid=). 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

7. [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.
8. [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.
9. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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.
10. [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.

### Sources for the Hired and Non-Owned Auto Insurance Guide

11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
12. [Non-Owned Auto Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
13. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). 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.

Updated 2026-10-01. 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 Review Scores for 2026

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 Review Scores for 2026

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/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)