Heffernan Insurance Brokers vs 
HUB International: How Do They Compare for Commercial Auto Insurance?
Both are brokers: Heffernan Insurance Brokers lists commercial auto among basic coverages with claims and HR services, while HUB International focuses on fleets and transportation providers.
HUB lists long/short-haul, hired/non-owned, towing, lease-gap and fleet analytics; Heffernan only names auto on its business list and offers broader claims and loss-control services. 2,1
What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Commercial Auto Insurance?
Fleet Coverage Menu vs. Business-Line Listing
Heffernan’s page gives no auto-specific agreements, while HUB lists bodily-injury and property-damage liability, long/short-haul, hired/non-owned, UM, medical payments, towing and lease gap. Choose HUB if you need those fleet options; choose Heffernan if firm-wide claims and loss-control services matter more. 2 1
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. 2 1
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. 2 1
What Should You Confirm in Heffernan Insurance Brokers and HUB International 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. 2 1
- Clarify whether HUB’s fleet analytics or Heffernan’s loss control will review driver and vehicle data for this account. 2 1
- Get carrier names, deductibles and liability limits on both quotes. 2 1
- Confirm how auto claims are reported to each brokerage’s claims team. 1 2
Heffernan Insurance Brokers vs HUB International Commercial Auto Compared
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 |
|---|---|---|
| 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. 1Company-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. 2Company-reported. Product-page call to action as read 2026-09-23. |
| 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. 1Company-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. 2Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. |
| 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. 1Company-reported. Business Insurance page's basic-coverages list. | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. 2Company-reported. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer. |
| 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. 1Company-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. 2Company-reported. Product-page service description; a company-reported capability, not an independently assessed outcome. |
