---
title: "Heffernan Insurance Brokers vs HUB International Trucking Insurance"
description: "Heffernan lists exclusive transportation products and captive options; HUB’s truck practice adds mock DOT audits and a North America cross-border strategy."
canonical: "https://spot.insure/compare/heffernan-vs-hub-international/trucking"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/heffernan-vs-hub-international/trucking)

# 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.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and HUB International for Trucking 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

Heffernan and HUB both broker trucking through dedicated transportation teams. Heffernan emphasizes exclusive and sponsored products plus captives and a workers’ compensation group; HUB lists non-trucking liability, occupational accident and mock DOT/OSHA audits. [4](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage 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](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## 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](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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](https://tdi.texas.gov/reports/documents/commercial-auto-biennial-report-2024.pdf "Commercial Auto Biennial Report") [10](https://kinro.com/products "Products") [11](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance")

## 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](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")

### 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](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")

### 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](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")

## 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](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance")
- Ask HUB whether non-trucking liability, occupational accident and pollution cover are on the quote if you need them. [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")
- Compare DOT-related services: Heffernan’s compliance platform versus HUB’s mock DOT/OSHA audits and cross-border work. [4](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")
- Name the issuing carrier on both placements; the reviewed pages do not. [4](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")

## Offering Details

| 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. [4](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services") (Evidence: Not found in reviewed sources; scope: 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. [4](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services") (Evidence: Company-reported; scope: Product-page application-requirements list as read 2026-09-23..) |

## Full Comparison

- [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Trucking Insurance?](https://spot.insure/coverage/trucking): Trucking insurance programs can combine vehicle liability, truck damage and cargo protection for your hauling operations.
- [Heffernan Insurance Brokers vs HUB International Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-hub-international/builders-risk)
- [Heffernan Insurance Brokers vs HUB International Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-hub-international/business-owners-policy)
- [Heffernan Insurance Brokers vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-hub-international/cargo-transit)
- [Heffernan Insurance Brokers vs HUB International Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-hub-international/commercial-auto)
- [Heffernan Insurance Brokers vs HUB International Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-hub-international/commercial-property)
- [Heffernan Insurance Brokers vs HUB International Crime Insurance](https://spot.insure/compare/heffernan-vs-hub-international/crime)
- [Heffernan Insurance Brokers vs HUB International Cyber Insurance](https://spot.insure/compare/heffernan-vs-hub-international/cyber)
- [Heffernan Insurance Brokers vs HUB International Employee Health Benefits](https://spot.insure/compare/heffernan-vs-hub-international/employee-health-benefits)
- [Heffernan Insurance Brokers vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/employment-practices)
- [Heffernan Insurance Brokers vs HUB International Fidelity Bonds](https://spot.insure/compare/heffernan-vs-hub-international/fidelity-bonds)
- [Heffernan Insurance Brokers vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/fiduciary)
- [Heffernan Insurance Brokers vs HUB International General Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/general-liability)
- [Heffernan Insurance Brokers vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/heffernan-vs-hub-international/hired-non-owned-auto)
- [Heffernan Insurance Brokers vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/heffernan-vs-hub-international/medical-malpractice)
- [Heffernan Insurance Brokers vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-hub-international/professional-errors-omissions)
- [Heffernan Insurance Brokers vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/heffernan-vs-hub-international/representations-warranties)
- [Heffernan Insurance Brokers vs HUB International Surety Bonds](https://spot.insure/compare/heffernan-vs-hub-international/surety-bonds)
- [Heffernan Insurance Brokers vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-hub-international/workers-compensation)
- [Coverdash vs Heffernan Insurance Brokers Trucking Insurance](https://spot.insure/compare/coverdash-vs-heffernan/trucking)
- [Coverdash vs HUB International Trucking Insurance](https://spot.insure/compare/coverdash-vs-hub-international/trucking)
- [Heffernan Insurance Brokers vs Kinro Trucking Insurance](https://spot.insure/compare/heffernan-vs-kinro/trucking)
- [HUB International vs Kinro Trucking Insurance](https://spot.insure/compare/hub-international-vs-kinro/trucking)

## Sources

### Heffernan Insurance Brokers

1. [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.
2. [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.
3. [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.
4. [Transportation Insurance](https://www.heffins.com/business-insurance/transportation/). 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

5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
8. [Commercial Truck Insurance Brokerage Services](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/). 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

9. [Commercial Auto Biennial Report](https://tdi.texas.gov/reports/documents/commercial-auto-biennial-report-2024.pdf). 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.
10. [Products](https://kinro.com/products). Kinro; 05 Trucking Insurance: auto liability, cargo, physical damage, filings; when to review: hauling, cargo, filings, radius, contracts. Accessed 2026-09-16.
11. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/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.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/heffernan-vs-hub-international/trucking.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)