Heffernan Insurance Brokers vs 
HUB International Commercial Auto Insurance
HUB publishes a commercial auto coverage menu for fleets; Heffernan names the line on a basic business list and attaches firm-wide claims and loss-control services.
What Is Heffernan Insurance Brokers?
Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. 1,2,3
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 4,5,6
What Is Commercial Auto Insurance?
Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. 8
Key Differences in Commercial Auto Insurance
A Fleet Product Page Versus a One-Line Listing
Heffernan and HUB both place commercial auto with carriers. HUB’s dedicated commercial auto page lists long- and short-haul transportation, hired and non-owned exposures, uninsured motorists, medical payments, towing and lease gap alongside bodily injury and property damage. Heffernan’s business-insurance page names commercial auto in a basic-coverages list and does not describe those insuring agreements. 7 3
Fleet Analytics Versus Firm Services
HUB says it applies complex risk and analytics tools to benchmark programs and cross-promotes Fleet Risk Management and Workplace Safety Management. Heffernan says clients arranging its business insurance, including commercial auto, get claims services, loss control, HR consulting and risk-management assessment. One set of tools is framed as fleet analytics; the other as brokerage-wide support. 7 3
Who You Call
HUB positions the line for commercial auto fleets and transportation-industry providers and tells you to contact a HUB broker, with no online quote described. Heffernan likewise directs you to contact the brokerage and does not describe a commercial auto web quote. Neither reviewed page names the issuing insurer or publishes limits. 7 3
What to Confirm in Commercial Auto Insurance Quotes
- Ask HUB which of the listed options (towing, lease gap, hired and non-owned) are bound; ask Heffernan to specify the same items because its page does not. 7 3
- Clarify whether HUB’s fleet analytics or Heffernan’s loss control will review driver and vehicle data for this account. 7 3
- Get carrier names, deductibles and liability limits on both quotes. 7 3
- Confirm how auto claims are reported to each brokerage’s claims team. 3 7
Offering Details
Heffernan Insurance Brokers vs HUB International Commercial Auto Insurance: documented features by provider
| Criteria | Heffernan Commercial Auto Insurance Brokerage | HUB International Commercial Auto Insurance Brokerage |
|---|---|---|
| Role in This Line | 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. 3Company-reported. Business Insurance page's basic-coverages list. | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. 7Company-reported. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | No insurer is named for commercial auto on the reviewed page; the issuing carrier would appear on the quote and declarations. 3Not publicly disclosed. Checked the Business Insurance page on 2026-09-23. | The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. 7Not found in reviewed sources. Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Not described in the reviewed sources. | HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. 7Company-reported. Product-page description; not a published underwriting appetite by fleet size or vehicle class. |
| Coverage Features | 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. 3Company-reported. Business Insurance page's basic-coverages list, a single-line mention. | HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. 7Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | The business insurance page does not publish limits, deductibles or premium ranges for commercial auto coverage. 3Not publicly disclosed. Checked the Business Insurance page on 2026-09-23. | Not described in the reviewed sources. |
| Risk Services | 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. 3Company-reported. Business Insurance page's services paragraph, described at the whole business-insurance-program level rather than specific to commercial auto. | HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. 7Company-reported. Product-page service description; a company-reported capability, not an independently assessed outcome. |
| How to Apply | 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. 3Company-reported. Business Insurance page contact call to action. | HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. 7Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More Heffernan Insurance Brokers vs HUB International Comparisons
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Sources
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 for 21st Century Exposures: basic coverages including general liability, commercial property, commercial auto, workers' compensation and global/foreign exposures; claims services, loss control, HR consulting and risk management and assessment services; alternative risk arrangements. Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Commercial Auto Insurance Broker Policy & Coverage. HUB International; Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker. Accessed 2026-09-23.
Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
