Heffernan Insurance Brokers vs StartupInsurance.ai Commercial Auto Insurance

Heffernan lists commercial auto insurance among the basic business-insurance coverages it arranges, alongside general liability, commercial property and workers' compensation. As a broker, it places this coverage with insurance carriers rather than underwriting it itself. ³Company-reported. Business Insurance page's basic-coverages list.

StartupInsurance.ai does not underwrite commercial auto coverage itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. ^7,8,6Company-reported. ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not commercial-auto-specific placement terms.

No insurer is named for commercial auto on the reviewed page; the issuing carrier would appear on the quote and declarations. ³Not publicly disclosed. Checked the Business Insurance page on 2026-09-23.

The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, underwrites a given company's commercial auto policy. ⁶Not publicly disclosed. Carrier panel is program-wide rather than broken out by line; the insurer for a commercial auto placement is not disclosed on the pages reviewed and varies by placement.

Not described in the reviewed sources.

The section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning commercial auto as a line it places regularly for hardware-adjacent startups running vehicles or fleets, rather than as a rare add-on. ⁶Company-reported. Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria.

The business insurance page lists commercial auto as one of the basic coverages Heffernan can provide, without describing specific insuring agreements, limits or exclusions for the line. ³Company-reported. Business Insurance page's basic-coverages list, a single-line mention.

StartupInsurance.ai lists Commercial Auto among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. ⁶Company-reported. Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe fleet size, vehicle types, or specific coverage terms.

The business insurance page does not publish limits, deductibles or premium ranges for commercial auto coverage. ³Not publicly disclosed. Checked the Business Insurance page on 2026-09-23.

The reviewed pages do not publish sample commercial auto liability limits, physical-damage limits or fleet-size thresholds. ^6,5Not found in reviewed sources. Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote.

Heffernan says clients arranging its business insurance coverages, including commercial auto, get access to its claims services, loss control, HR consulting, and risk management and assessment services. ³Company-reported. Business Insurance page's services paragraph, described at the whole business-insurance-program level rather than specific to commercial auto.

Not described in the reviewed sources.

The page's call to action directs buyers to contact Heffernan Insurance Brokers directly to find out what it can do for their business, including commercial auto. No separate online quoting flow specific to commercial auto is described. ³Company-reported. Business Insurance page contact call to action.

The physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating commercial auto is discussed with a specialist rather than quoted through a self-serve form. ⁶Company-reported. Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers.

The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Commercial Auto is not one of them, so it is not part of that self-serve intake flow. ⁵Not found in reviewed sources. Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line.