--- title: "Heffernan Insurance Brokers vs HUB International: Hired and Non-Owned Auto Insurance" description: "Heffernan includes HNOA in its home-care, home-health and hospice program for caregiver visits; HUB attaches it to auto or GL and can add physical-damage options and fleet tools." canonical: "https://spot.insure/compare/heffernan-vs-hub-international/hired-non-owned-auto" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "heffernan-vs-hub-international" provider-a: "heffernan" provider-b: "hub-international" 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/heffernan-vs-hub-international/hired-non-owned-auto) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and HUB International 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 Heffernan Insurance Brokers versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Heffernan Insurance Brokers vs HUB International for Hired and Non-Owned Auto Insurance: how do they differ? - Which is better for Hired and Non-Owned Auto Insurance, Heffernan Insurance Brokers or HUB International? - What does Heffernan Insurance Brokers or HUB International publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Hired and Non-Owned Auto Insurance. Providers: Heffernan Insurance Brokers and HUB International. - 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:** - [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) — 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 - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile # Heffernan Insurance Brokers vs HUB International: How Do They Compare for Hired and Non-Owned Auto Insurance? Heffernan Insurance Brokers bundles HNOA for home-care agencies; HUB International arranges it as an endorsement across sectors where staff use personal or rented cars. Heffernan targets caregiver programs; HUB adds HNOA riders to auto or GL with optional physical damage. ## Heffernan Insurance Brokers vs HUB International Hired and Non-Owned Auto Insurance Summary Heffernan includes HNOA in its home-care, home-health and hospice program for caregiver visits; HUB attaches it to auto or GL and can add physical-damage options and fleet tools. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") ## What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Hired and Non-Owned Auto Insurance? ### Caregiver Program Versus Flexible Auto or GL Rider Heffernan includes hired and non-owned auto liability in its home-care, home-health and hospice insurance program. HUB attaches HNOA to commercial auto or GL and can add theft or physical-damage options, alongside fleet-management tools. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") Choose Heffernan if you operate a care agency and want HNOA within its caregiver program; choose HUB if you need a flexible auto or GL rider with physical-damage options. ### Vertical Focus Heffernan names home health, in-home care, hospice, staffing-agency, infusion-therapy and home-health-aide businesses, covering all states and agency sizes. HUB names transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles. Healthcare appears on both lists, but Heffernan’s reviewed HNOA discussion is the home care package, not a general commercial auto rider. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") ### Services and Optional Physical Damage Heffernan lists Non-owned and Hired Auto separately from Business/Owned Auto for caregiver trips, asks agencies to apply at least 30 days before client work, and cites CAHSAH and Home Care Association of America partnerships. HUB says additional protection can be available for theft or physical damage to non-owned vehicles and recommends fleet-management technology. Neither reviewed source publishes HNOA limits, and HUB’s pages do not name the issuing insurer. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") [2](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") ## What Should You Confirm in Heffernan Insurance Brokers and HUB International Hired and Non-Owned Auto Insurance Quotes? - Ask Heffernan how non-owned and hired auto differs from owned auto on the home care package. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") - Ask HUB whether the rider sits on commercial auto or GL and whether physical damage is included. [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") - Confirm Heffernan’s 30-day lead time if you are a care agency. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") - Get issuing insurers and limits from both. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") ## Heffernan Insurance Brokers vs HUB International Hired and Non-Owned Auto Compared | Criteria | Heffernan Hired and Non-Owned Auto Brokerage | HUB International Hired and Non-Owned Auto Insurance Brokerage | | --- | --- | --- | | Who It’s For | 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. [1](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..) | HUB says HNOA exposure applies to organizations across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post sector list; not an underwriting appetite statement..) | | Coverage Features | 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. [1](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..) | HUB describes HNOA coverage as protecting a business when it rents or leases a vehicle, and when an employee's personal vehicle is used for work and the personal auto policy excludes or limits business use, leaving the business exposed if a claim exceeds the employee's own limits. [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim..)

HUB says HNOA liability is typically added as a rider or endorsement to an existing commercial auto or general liability policy, with additional protection available for theft or physical damage to non-owned vehicles used for business. [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post coverage-structure section..) | | Role in 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. [1](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..) | HUB brokers hired and non-owned auto (HNOA) liability coverage as part of its commercial auto practice, arranging it as an endorsement or rider on a client's commercial auto or general liability policy rather than underwriting it directly. [2](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity..) | | Risk Services | 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. [1](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..) | HUB says it recommends technology-driven fleet management tools for HNOA programs, including automated documentation, real-time insurance-data access, driver monitoring and usage-based insurance, to help clients manage compliance and cost. [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product..) | ## About Heffernan Insurance Brokers and HUB International - [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews) - [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews) - [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto) ## Related Pages for Heffernan Insurance Brokers vs HUB International - [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international): 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. - [Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/heffernan/hired-non-owned-auto) - [HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/hub-international/hired-non-owned-auto) ## Sources for Heffernan Insurance Brokers vs HUB International ### Sources About Heffernan Insurance Brokers 1. [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. ### Sources About HUB International 2. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage types list including hired and non-owned exposures, long and short-haul transportation, uninsured/underinsured motorists; Post-Accident Checklist. Accessed 2026-09-23. 3. [Make & Brake: Protect your business financially with hired and non-owned auto insurance](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/). HUB International; What HNOA covers; who needs it (transportation, hospitality, education, healthcare, nonprofit, gig/shared-economy sectors); coverage structure as a rider or endorsement; technology-driven fleet management recommendations. 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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