Heffernan Insurance Brokers vs 
HUB International Trucking Insurance
Heffernan lists exclusive transportation products and captive options; HUB’s truck practice adds mock DOT audits and a North America cross-border strategy.
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. 5,6,7
What Is Trucking Insurance?
Trucking insurance can address vehicle liability, truck damage and cargo risks for trucking operations; compare which of these coverages each quote includes. Not every hauler must buy a motor-carrier policy, and commercial auto coverage can still apply to trucks. 9,10,11
Key Differences in Trucking Insurance
Coverage Lists on Two Broker Practices
Heffernan and HUB International both place trucking insurance with appointed carriers rather than underwriting it. Heffernan lists exclusive and sponsored products for auto liability, motor truck cargo, physical damage, general liability, cyber and management liability, excess and umbrella, and a workers’ compensation group. HUB’s commercial truck list includes commercial auto liability and physical damage, motor truck cargo, non-trucking liability and occupational accident for owner-operators, environmental and pollution liability, and excess or umbrella, plus property, crime, cyber, EPL and workers’ compensation. HUB names bobtail and occupational accident; Heffernan’s reviewed page does not. 4 8
Risk Financing and Safety Work
Heffernan describes first-dollar coverage through mid-to-large deductibles, self-insured retentions, captives and master programs, plus a DOT compliance platform, accident-register forms and DOT audit consulting. HUB describes claims advocacy, fleet risk management with driver safety training, FMCSA and DOT compliance support, mock DOT/OSHA audits, and a cross-border strategy for U.S., Canada and Mexico operations. Captives and SIRs appear on Heffernan’s page; HUB’s reviewed trucking page does not describe those financing structures. 4 8
Who They Say They Serve and How You Start
Heffernan lists trucking and logistics with fuel haulers, oilfield trucking and towing, and sends buyers to Matt Planeta and Kenny Planeta. HUB says it serves one or more power units, including long-haul, regional, last-mile, independent owner-operators, contract carriers and hazmat, and that underwriters typically want IFTA statements, equipment and driver lists, and three to five years of loss runs. Neither page names an issuing insurer. 4 8
What to Confirm in Trucking Insurance Quotes
- Ask Heffernan which exclusive products and which risk-financing structure (first dollar, deductible, captive) apply to your fleet. 4
- Ask HUB whether non-trucking liability, occupational accident and pollution cover are on the quote if you need them. 8
- Compare DOT-related services: Heffernan’s compliance platform versus HUB’s mock DOT/OSHA audits and cross-border work. 4 8
- Name the issuing carrier on both placements; the reviewed pages do not. 4 8
Offering Details
Heffernan Insurance Brokers vs HUB International Trucking Insurance: documented features by provider
| Criteria | Heffernan Transportation Insurance — Trucking and Logistics | HUB International Commercial Truck Insurance Brokerage |
|---|---|---|
| Role in This Line | Heffernan names trucking/logistics as a transportation subsector served by a dedicated specialist team, placing coverage with appointed carriers rather than underwriting it. 4Company-reported. Transportation Insurance page as read on 2026-09-23. | HUB brokers commercial truck insurance through a dedicated transportation practice rather than underwriting the coverage itself. 8Company-reported. Commercial truck insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Heffernan says it is 'appointed with top transportation carriers' but the reviewed page does not name a specific insurer for trucking placements. 4Not publicly disclosed. Transportation Insurance page as read on 2026-09-23. | The commercial truck insurance page does not name an issuing insurer; HUB places trucking business with carriers that vary by placement. 8Not found in reviewed sources. Checked the commercial truck insurance page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Heffernan lists trucking/logistics alongside fuel haulers, oilfield trucking, towing, and other transportation subsectors as businesses its transportation team is built to serve. 4Company-reported. Transportation Insurance page as read on 2026-09-23. | HUB says it serves trucking operations with one or more power units, including long-haul and regional carriers, last-mile and delivery operations, independent owner-operators, contract motor carriers, and specialized freight or hazmat haulers, across truck types from semi-trucks to electric trucks. 8Company-reported. Product-page eligibility and target-market list; not a published underwriting appetite by loss history or safety score. |
| Coverage Features | For trucking and its other transportation subsectors, Heffernan lists exclusive and sponsored products covering auto liability, motor truck cargo, physical damage, general liability, cyber and management liability, excess and umbrella, and a workers' compensation group program. 4Company-reported. Transportation Insurance page as read on 2026-09-23; the page does not break out which products apply specifically to trucking versus other subsectors. | HUB lists trucking-specific coverages it arranges including commercial auto liability and physical damage, motor truck cargo insurance, non-trucking liability and occupational accident insurance for owner-operators, environmental and pollution liability, and excess or umbrella coverage, alongside general business lines such as property, crime, cyber, EPL and workers' compensation. 8Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. |
| Risk Services | Heffernan describes trucking-relevant risk-financing options from first-dollar coverage through mid-to-large deductibles, self-insured retentions, captives, and master programs, plus a DOT compliance platform, accident-register forms, and DOT audit consulting. 4Company-reported. Transportation Insurance page as read on 2026-09-23. | HUB says its trucking practice provides claims advocacy and support, fleet risk management programs with driver safety training, regulatory compliance support for FMCSA and DOT requirements, mock DOT/OSHA audits, and a cross-border strategy for U.S., Canada and Mexico operations. 8Company-reported. Product-page service description; a company-reported set of capabilities, not an independently assessed outcome. |
| How to Apply | Heffernan directs transportation buyers, including trucking companies, to named practice leaders Matt Planeta and Kenny Planeta to start a quote. 4Company-reported. Transportation Insurance page as read on 2026-09-23. | HUB says underwriters for this line typically require a transportation-specific application, IFTA fuel-tax statements, an equipment list, a driver roster, three to five years of loss runs, and information about the carrier's safety program and culture. 8Company-reported. Product-page application-requirements list as read 2026-09-23. |
Full Comparison
More Heffernan Insurance Brokers vs HUB International Comparisons
Other Trucking Insurance Comparisons
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: 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.
- Transportation Insurance. Heffernan Insurance Brokers; Our transportation subsectors include: Trucking/Logistics...; Appointed with top transportation carriers, from first dollar to self-insurance: First dollar, Mid to Large Deductibles, Self-insured Retention, Captives, Master Programs; Safety Services: DOT Compliance Platform, Accident registers and report forms, DOT Audit Consulting; We offer the following exclusive and sponsored products: Auto Liability, Motor Truck Cargo, Physical Damage, General Liability, Cyber & Management Liability, Excess and Umbrella, Worker's Comp Group; Heffernan Transportation Insurance Practice Leaders Matt Planeta and Kenny Planeta. 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 Truck Insurance Brokerage Services. HUB International; Business insurance list for trucking: commercial auto liability/physical damage, commercial property, crime, cyber, EPL, motor truck cargo, non-trucking liability, occupational accident, environmental and pollution liability, workers' compensation, excess/umbrella; eligibility for 1+ power units; services: claims advocacy, fleet risk management, regulatory compliance support, mock DOT/OSHA audits; application requirements; Contact a HUB broker. Accessed 2026-09-23.
Trucking Insurance Guide
- Commercial Auto Biennial Report. Texas Department of Insurance; p.7 Policies: Business auto vs Motor carrier (can include cargo); Truckers vs non-truckers; FMCSA interstate minimums mentioned without amounts. Accessed 2026-09-16.
- Products. Kinro; 05 Trucking Insurance: auto liability, cargo, physical damage, filings; when to review: hauling, cargo, filings, radius, contracts. Accessed 2026-09-16.
- Business Vehicle Insurance. Insurance Information Institute; Opening: cars, trucks, vans; BACF autos defined to include cars, trucks, trailers, vans; Does a Business Umbrella Cover Autos?; owned, hired and non-owned autos; Do I Need a Business Auto Policy?; What Vehicles Are Covered?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
