--- title: "Founder Shield vs Heffernan Insurance Brokers: Hired and Non-Owned Auto Insurance" description: "Heffernan puts hired and non-owned auto inside its home-care, home-health, and hospice program for caregiver visits. Founder Shield brokers a liability-only policy for mobile employees, rentals, and volunteers." canonical: "https://spot.insure/compare/foundershield-vs-heffernan/hired-non-owned-auto" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "foundershield-vs-heffernan" provider-a: "foundershield" 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. 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[Human-readable page](https://spot.insure/compare/foundershield-vs-heffernan/hired-non-owned-auto) ## Agent Guide **What this page is:** Focused comparison of Founder Shield 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 Founder Shield versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Founder Shield 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, Founder Shield or Heffernan Insurance Brokers? - What does Founder Shield or Heffernan Insurance Brokers publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Hired and Non-Owned Auto Insurance. Providers: Founder Shield and Heffernan Insurance Brokers. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - 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; last updated 2026-09-25. **Related pages:** - [Founder Shield vs Heffernan Insurance Brokers](https://spot.insure/compare/foundershield-vs-heffernan) — all coverage lines for this pair - [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — how this coverage works - [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile # Founder Shield vs Heffernan Insurance Brokers: How Do They Compare for Hired and Non-Owned Auto Insurance? Founder Shield places HNOA through third-party carriers; Heffernan Insurance Brokers includes it in coverage for home health and care agencies. Heffernan includes hired and non-owned auto in home-care and hospice packages; Founder Shield brokers liability-only cover for mobile employees, rentals, and volunteers. ## Founder Shield vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance Summary Heffernan puts hired and non-owned auto inside its home-care, home-health, and hospice program for caregiver visits. Founder Shield brokers a liability-only policy for mobile employees, rentals, and volunteers. [1](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") ## What Are the Key Differences Between Founder Shield and Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance? ### Caregiver Package Line Versus Liability-Only Brokerage Heffernan places hired and non-owned auto liability inside its home-care, home-health, and hospice insurance program, alongside owned-auto and other package coverages, rather than underwriting the line itself. Founder Shield brokers a liability-only product with third-party carriers for mobile employees, rentals, and volunteers. Choose Heffernan if you run a care agency and want this coverage inside that caregiver program; choose Founder Shield if you need liability-only hired and non-owned auto outside a home-care package. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") [2](https://foundershield.com/about-us/ "About Us") ### Home-Care Trades Versus Sales, Delivery, and Volunteer Driving Heffernan markets the bundled auto coverage to home health, in-home care, hospice, staffing-agency, infusion-therapy, and home-health-aide businesses, and says those programs cover all states and agency sizes. Founder Shield markets hired and non-owned auto to businesses with mobile employees such as salespeople or delivery drivers, companies that rent vehicles, organizations that rely on volunteers, and small businesses without a company fleet. Healthcare visit driving can appear on both lists, but Heffernan's reviewed discussion is the home-care package, not a general volunteer or sales-force product. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") ### Form Notes, Timing, and Carrier Floor Founder Shield says the policy covers third-party bodily injury, property damage, and legal defense when personal auto denies or limits a business-use claim, and it excludes physical damage to the vehicle, company-owned vehicles, and injuries to the employee driver. Heffernan lists Non-owned and Hired Auto separately from Business/Owned Auto so caregiver personal and rental trips sit on a different agreement from the agency fleet, and it tells agencies to apply at least 30 days before serving clients. Founder Shield says it uses A- or better AM Best carriers; Heffernan's reviewed page does not publish limits or name the insurer. [1](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") ## What Should You Confirm in Founder Shield and Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance Quotes? - Ask Founder Shield which A- or better carrier will issue the policy and whether volunteers are covered. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [1](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") - Ask Heffernan how non-owned and hired auto differs from owned auto on the home-care package. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") - Confirm Heffernan's 30-day application window if you are opening a care agency. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") - Get limits from both quotes; Heffernan does not publish them. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") ## Founder Shield vs Heffernan Insurance Brokers Hired and Non-Owned Auto Compared | Criteria | Founder Shield Hired and Non-Owned Auto Insurance | Heffernan Hired and Non-Owned Auto Brokerage | | --- | --- | --- | | Who It’s For | Founder Shield markets HNOA to businesses with mobile employees such as salespeople or delivery drivers, companies that rent vehicles, organizations that rely on volunteers, and small businesses without a company fleet. [1](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: HNOA product page..) | 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. [4](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..) | | How to Apply | You request Founder Shield Hired and Non-Owned Auto Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. [2](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) | 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. [4](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..) | | Coverage Features | Founder Shield says HNOA is a liability-only policy covering third-party bodily injury, third-party property damage and legal defense costs when an employee uses a personal or rented vehicle for business and their personal auto policy denies or limits the claim. [1](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..)

Founder Shield notes HNOA does not cover physical damage to the hired or non-owned vehicle itself, accidents involving company-owned vehicles, or injuries to the employee driving (covered instead by workers' compensation). [1](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: HNOA product page..) | 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. [4](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..) | | Role in This Line | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Hired and Non-Owned Auto Insurance with third-party carriers rather than underwriting the policy itself. [2](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..) | 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. [4](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..) | ## About Founder Shield and Heffernan Insurance Brokers - [Founder Shield company profile](https://spot.insure/insurance-providers/foundershield) · [Founder Shield customer reviews](https://spot.insure/insurance-providers/foundershield/reviews) - [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews) - [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto) ## Related Pages for Founder Shield vs Heffernan Insurance Brokers - [Founder Shield vs Heffernan Insurance Brokers](https://spot.insure/compare/foundershield-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. - [Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/foundershield/hired-non-owned-auto) - [Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/heffernan/hired-non-owned-auto) ## Sources for Founder Shield vs Heffernan Insurance Brokers ### Sources About Founder Shield 1. [Hired and Non-Owned Auto Insurance](https://foundershield.com/coverage/hnoa-insurance/). Founder Shield; What Is Hired and Non-Owned Auto Insurance?; Who Needs Hired and Non-Owned Auto Insurance Coverage?; What Does Hired and Non-Owned Auto Insurance Cover?. Accessed 2026-09-23. 2. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23. 3. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23. ### Sources About Heffernan Insurance Brokers 4. [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. Updated 2026-09-25. 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). 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