Heffernan Insurance Brokers vs 
Markel Insurance: How Do They Compare for Hired and Non-Owned Auto Insurance?
What Is Heffernan Insurance Brokers?
Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. 1,2,3
Read the Heffernan Insurance Brokers profile
Read the Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance page
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 5,6
Read the Markel Insurance profile
Read the Markel Insurance Hired and Non-Owned Auto Insurance page
What Is Hired and Non-Owned Auto Insurance?
Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. 8,9,10
Key Differences in Hired and Non-Owned Auto Insurance
Home-Care Package and Audience
Heffernan Insurance Brokers places hired and non-owned auto within a home-care, home-health and hospice program alongside owned-auto coverage. It identifies staffing, infusion-therapy and home-health-aide businesses and says its programs cover all states and agency sizes. Markel Insurance lists HNOA in a small-business casualty and property portfolio but does not enumerate eligible classes. For an agency whose caregivers drive personal or rented vehicles to client visits, Heffernan describes a specific segment and a separate HNOA agreement; Markel buyers should establish class fit and structure in the quote. 4 4 4 7
Timing and Specialist Help
Heffernan asks home-care businesses to begin at least 30 days before serving clients, offers free rate quotes and says home-care specialists discuss coverage and premium questions. Markel's HNOA listing gives no application timeline or specialist-service details. Agencies planning a launch can use Heffernan's stated lead time as a planning prompt and ask Markel when a complete proposal can be delivered. 4 4 7
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
Heffernan Insurance Brokers and Markel Insurance Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Heffernan Insurance Brokers Review Score
Review Score
1 rated source
Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.[6][7][8]
Read Heffernan Insurance Brokers reviewsMarkel Insurance Review Score
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsHeffernan Insurance Brokers vs Markel Insurance Hired and Non-Owned Auto Compared
Heffernan Insurance Brokers vs Markel Insurance: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | Heffernan Hired and Non-Owned Auto Brokerage | Markel hired and non-owned auto exposure |
|---|---|---|
| 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. 4Company-reported. Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line. | Markel lists hired and non-owned auto among casualty coverage options for small-business risks. 7Company-reported. Coverage option in small-business casualty materials; not a standalone commercial auto product. |
| 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. 4Company-reported. 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. | The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. 7Company-reported. No general eligibility inference. |
| 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. 4Company-reported. 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. | The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. 7Company-reported. Policy-level details remain unestablished. |
| Limits and Retentions | The reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. 4Not publicly disclosed. Home Care Business Insurance page as read on 2026-09-23. | Confirm in your quote. |
| 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. 4Company-reported. Home Care Business Insurance page as read on 2026-09-23; described for the home care program generally, not exclusively for the auto coverage. | Confirm in your quote. |
| How to Apply | Heffernan tells home care businesses to start the insurance application process at least 30 days before working with clients and to contact the firm for a free rate quote, since rates vary by state. 4Company-reported. Home Care Business Insurance page as read on 2026-09-23; applies to the home care package generally, not solely to auto coverage. | Confirm in your quote. |
Related Pages for Heffernan Insurance Brokers vs Markel Insurance
Hired and Non-Owned Auto Pages for Heffernan Insurance Brokers and Markel Insurance
Other Coverage Lines Compared for Heffernan Insurance Brokers vs Markel Insurance
Other Hired and Non-Owned Auto Insurance Provider Comparisons
Sources for Heffernan Insurance Brokers vs Markel Insurance
Sources About 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.
- Home Care Business Insurance. 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 Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Small Business Casualty and Property Insurance. Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. Accessed 2026-09-29.
Sources for the Hired and Non-Owned Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Non-Owned Auto Liability Insurance. Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
- Business Auto Coverage Form. ISO; hosted by National General; I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7. Accessed 2026-09-16.
