---
title: "Heffernan Insurance Brokers vs HUB International: Trucking Insurance"
description: "Heffernan is the fit if your fleet wants to compare captive, deductible or master-program financing. HUB is the fit if you need non-trucking liability, occupational accident, mock DOT/OSHA audits or US-Canada-Mexico support."
canonical: "https://spot.insure/compare/heffernan-vs-hub-international/trucking"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-hub-international"
provider-a: "heffernan"
provider-b: "hub-international"
coverage-line: "trucking"
---

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

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and HUB International for Trucking 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 Trucking 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 Trucking Insurance: how do they differ?
- Which is better for Trucking Insurance, Heffernan Insurance Brokers or HUB International?
- What does Heffernan Insurance Brokers or HUB International publish about Trucking Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Trucking 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
- [Trucking Insurance guide](https://spot.insure/coverage/trucking) — 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 Trucking Insurance?

Both are brokers. HUB International serves trucking operations with one or more power units and lists FMCSA and DOT support, while Heffernan Insurance Brokers names trucking among transportation subsectors like towing and oilfield haulers.

Heffernan lists captive and master-program options for trucking fleets; HUB names non-trucking liability, occupational accident and mock DOT/OSHA audits.

## Heffernan Insurance Brokers vs HUB International Trucking Insurance Summary

Heffernan is the fit if your fleet wants to compare captive, deductible or master-program financing. HUB is the fit if you need non-trucking liability, occupational accident, mock DOT/OSHA audits or US-Canada-Mexico support. [1](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [2](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")

## What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Trucking Insurance?

### Captive Financing Versus Named Owner-Operator Lines

Heffernan lists auto liability, motor-truck cargo, physical damage, general liability, cyber, management liability, excess and umbrella, plus a workers' compensation group, and it describes first-dollar, deductible, captive and master-program financing. HUB lists commercial auto, cargo, non-trucking liability and occupational accident for owner-operators, along with pollution, excess, property, crime, cyber, employment-practices liability and workers' compensation. Choose Heffernan if you want a captive or large-retention discussion; choose HUB if you need bobtail or occupational accident named on the schedule. [1](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [2](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")

### DOT Platform Versus Mock Audits and Borders

Heffernan lists a DOT compliance platform, accident-register forms and DOT audit consulting. HUB describes claims advocacy, driver-safety training, FMCSA and DOT compliance help, mock DOT/OSHA audits and a US-Canada-Mexico cross-border strategy. A fleet preparing for an audit can ask either broker about listed compliance support; a carrier crossing North American borders can ask HUB about its stated cross-border work. [1](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [2](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")

### Fuel and Oilfield Versus Hazmat and One Power Unit

Heffernan names trucking and logistics, fuel hauling, oilfield trucking and towing. HUB lists operations from one power unit to long-haul, regional, last-mile, contract and hazmat fleets, and says underwriters typically request IFTA statements, equipment and driver lists, and three to five years of loss runs. Neither reviewed page names the insurer for a particular quote. Bring the operation type and those records to the broker whose named niches match yours. [1](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [2](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")

## What Should You Confirm in Heffernan Insurance Brokers and HUB International Trucking Insurance Quotes?

- Ask Heffernan which coverage products and financing options apply to your fleet, including deductible, retention or captive choices. [1](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance")
- Ask HUB to include non-trucking liability, occupational accident and pollution cover if needed. [2](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")
- Compare the DOT, driver-safety, audit and cross-border services included in each engagement. [1](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [2](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")
- Request the insurer, limits and deductibles for each proposed policy. [1](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [2](https://www.hubinternational.com/industries/transportation-insurance/commercial-truck-insurance/ "Commercial Truck Insurance Brokerage Services")

## Heffernan Insurance Brokers vs HUB International Trucking Compared

| Criteria | Heffernan Transportation Insurance — Trucking and Logistics | HUB International Commercial Truck Insurance Brokerage |
| --- | --- | --- |
| 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. [1](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. [2](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..) |
| How to Apply | Heffernan directs transportation buyers, including trucking companies, to named practice leaders Matt Planeta and Kenny Planeta to start a quote. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |

## About Heffernan Insurance Brokers and HUB International and Trucking

- [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 Trucking Insurance?](https://spot.insure/coverage/trucking)

## 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 Trucking Insurance?](https://spot.insure/coverage/trucking): Trucking coverage can address liability, damage to your trucks and cargo losses; the right quote depends on whether and what you haul.
- [Heffernan Insurance Brokers Trucking Insurance](https://spot.insure/insurance-providers/heffernan/trucking)
- [HUB International Trucking Insurance](https://spot.insure/insurance-providers/hub-international/trucking)

## Sources for Heffernan Insurance Brokers vs HUB International

### Sources About Heffernan Insurance Brokers

1. [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.

### Sources About HUB International

2. [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.

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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

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