---
title: "Foxquilt vs Heffernan Insurance Brokers: Hired and Non-Owned Auto Insurance"
description: "Foxquilt lists HNOA under Commercial Auto without detailing its scope; Heffernan places hired and non-owned auto within a home-care insurance program."
canonical: "https://spot.insure/compare/foxquilt-vs-heffernan/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "foxquilt-vs-heffernan"
provider-a: "foxquilt"
provider-b: "heffernan"
coverage-line: "hired-non-owned-auto"
---

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

## Agent Guide

**What this page is:** Focused comparison of Foxquilt 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 Foxquilt 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:**
- Foxquilt 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, Foxquilt or Heffernan Insurance Brokers?
- What does Foxquilt 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 Foxquilt or Heffernan Insurance Brokers?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: Foxquilt 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:**
- [Foxquilt vs Heffernan Insurance Brokers](https://spot.insure/compare/foxquilt-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
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [AIG vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-foxquilt/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 Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/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 Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-foxquilt/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)

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

Foxquilt lists HNOA under Commercial Auto without detailing its scope; Heffernan places hired and non-owned auto within a home-care insurance program.

## Research Scope and Use

Use this comparison to evaluate Foxquilt 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.

## Summary

Foxquilt’s Commercial Auto page names hired and non-owned vehicles but not their triggers or limits; Heffernan lists separate hired/non-owned coverage within a home-care package. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [7](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. [1](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [2](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions")

[Foxquilt profile](https://spot.insure/insurance-providers/foxquilt)

## 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. [4](https://www.heffins.com/about-us/our-story/ "Our Story") [5](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [6](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. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [10](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Hired and Non-Owned Auto Insurance

### Program and Business-Class Context

Foxquilt sends HNOA buyers to a Commercial Auto product page and does not establish separate HNOA eligibility. Heffernan describes the coverage within a home-care, home-health and hospice insurance program for agencies, staffing firms, infusion therapy and related businesses. It says the package serves agencies of different sizes and states. A home-care operator can compare that sector-specific program with Foxquilt’s broader auto route, but should confirm the applicant and state fit with both. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [7](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### Which Vehicles Are Described

Heffernan lists non-owned and hired auto separately from the agency’s owned-auto coverage, identifying personal or rented vehicles used for caregiver client visits. Foxquilt labels HNOA as a Commercial Auto feature but does not define covered drivers, uses or limits. Ask for the actual insuring agreement before assuming the same employee or vehicle scenario is treated alike. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [7](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## What to Confirm in Hired and Non-Owned Auto Insurance Quotes

- Ask Heffernan whether caregiver-owned cars and rentals are covered under separate insuring agreements and when the application should begin. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [7](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

- Ask Foxquilt to identify eligible drivers, covered vehicle uses and HNOA limits in the Commercial Auto quote. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [7](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## Offering Details

| Criteria | Foxquilt Hired and Non-Owned Auto feature | Heffernan Hired and Non-Owned Auto Brokerage |
| --- | --- | --- |
| Role in This Line | Foxquilt lists Hired & non-owned beneath its Commercial Auto card; the source does not establish a separate HNOA policy. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](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 | Confirm in your quote. | 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. [7](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 | The source identifies hired and non-owned vehicles as a feature of its Commercial Auto marketing; it does not establish the feature’s definitions, triggers or limits. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](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 | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | The reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. [7](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 | Confirm in your quote. | 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. [7](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 | Foxquilt directs buyers to the Commercial Auto product page for a quote; no separate HNOA quote or application path is documented. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..)<br><br>The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](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..) |

## Full Comparison

- [Foxquilt vs Heffernan Insurance Brokers](https://spot.insure/compare/foxquilt-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.
- [AIG vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-foxquilt/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 Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/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 Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-foxquilt/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

### Foxquilt

1. [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html). Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319.. Accessed 2026-09-29.
2. [Foxquilt Insurance Services | Terms & Conditions](https://www.foxquilt.com/terms-of-use.html). Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement.. Accessed 2026-09-29.
3. [Other Coverages](https://www.foxquilt.com/businesscoverage.html). Foxquilt; Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70.. Accessed 2026-09-29.

### Heffernan Insurance Brokers

4. [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.
5. [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.
6. [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.
7. [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.

### Hired and Non-Owned 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 General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.
9. [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.
10. [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 2026-09-30. 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.

## Foxquilt Reviews

Review Score: 8.9 / 10 from 3 rated sources, equally weighted.

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.

- Trustpilot: TrustScore 3.5/5 (Trustpilot 5-point scale); 8 reviews. Trustpilot's foxquilt.com company profile (Toronto address; broad broker, auto, business and home insurance categories). Reviewer country and product line are not reliably shown, so it is not a US-only or commercial-only sample. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Reviews | Read Customer Service Reviews of foxquilt.com](https://www.trustpilot.com/review/foxquilt.com)
- BBB: BBB business grade A+ (BBB letter grade). Better Business Bureau Serving Central Ontario business profile for Foxquilt at a Toronto address; business-profile grade and reviews/complaints are different data. Not a U.S. policy review. Period: Toronto profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt | BBB Business Profile](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206); [Foxquilt | BBB Reviews](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/customer-reviews); [Foxquilt | BBB Complaints](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/complaints)
- Google (via Birdeye): Google rating 4.9 (out of 5); 526 reviews. Google reviews for Foxquilt Insurance Services LLC, the Charlotte, North Carolina office. Reviews include commercial insurance customers. Period: checked 2026-09-29. Checked 2026-09-29. [Foxquilt Insurance Services LLC reviews | Birdeye](https://reviews.birdeye.com/foxquilt-insurance-services-llc-176273459225651)
- HelloSafe: HelloSafe rating 4.8 (out of 5); 637 reviews. HelloSafe (Canadian comparison site) page on Foxquilt business insurance. Canada-focused, and the source of its reviews is not stated. Period: page accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Business Insurance Review (2026) - HelloSafe](https://hellosafe.ca/en/business-insurance/foxquilt)

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