Embroker vs Heffernan Insurance Brokers Commercial Auto Insurance

Embroker sells commercial auto as a standalone policy that can also be added onto a Business Owners Policy, covering the business, its employees, and other hired or borrowed drivers. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

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.

Not described in the reviewed sources.

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.

Embroker says the coverage is for businesses that own, lease or hire vehicles for work purposes, including passenger cars, vans, pickups, SUVs and larger commercial vehicles, and notes personal auto policies typically exclude business use. ⁴Company-reported. Product-page 'Who Is It For?' and vehicle-type sections; not a guarantee of coverage for a particular fleet.

Embroker says required coverage amounts are set by state or federal law and vary based on vehicle weight, passenger capacity, and whether the vehicle carries hazardous materials. ⁴Company-reported. Product-page 'Commercial Auto Insurance Requirements By State' section; specific state requirements were not independently verified.

Not described in the reviewed sources.

Embroker lists property and bodily injury liability, medical payments, and collision coverage as base commercial auto coverages, with common endorsements including comprehensive, uninsured motorist, hired and non-owned auto, and roadside assistance. ⁴Company-reported. Product-page 'What Does Business Auto Insurance Cover?' section; the issued policy and declarations control.

Embroker says the policy excludes contractual liability assumed under a business contract, employer's liability claims (covered by EPLI), expected or intended injury, fellow-employee injury claims, and pollution-related injuries. ⁴Company-reported. Product-page What's Not Covered section.

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.

Not described in the reviewed sources.

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.

Not described in the reviewed sources.

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.

Embroker says applicants can sign up on its platform, select coverage, and get a commercial auto quote in a few minutes. ⁴Company-reported. Product-page 'Who Is It For?' quote call to action; no quote was requested during this research.

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.