Heffernan Insurance Brokers vs TechInsurance: How Do They Compare for Commercial Auto Insurance?

Heffernan Insurance Brokers describes no insuring details for commercial auto and asks you to contact it directly; TechInsurance reports a median of $245 a month and lists what the cover excludes.

TechInsurance describes auto for owned business vehicles, names hired/non-owned and garage-keepers gaps and reports a $245 monthly median; Heffernan lists the line without auto-specific details. ^2,¹

What Are the Key Differences Between Heffernan Insurance Brokers and TechInsurance Commercial Auto Insurance?

Coverage Details and Pricing vs. Business Program

TechInsurance lists BI/PD, MedPay or PIP where required, uninsured motorist, and optional collision and comprehensive, with a median customer premium of $245 a month. It also flags hired/non-owned and garage-keepers needs. Choose TechInsurance if those details and benchmark help; choose Heffernan if you want auto within a broader business program. ² ¹

Exclusions TechInsurance Names

TechInsurance says the policy does not cover personal, leased or rented work vehicles (those need hired and non-owned auto), a newly purchased vehicle not yet scheduled, or a customer’s vehicle in the business’s care (garage keepers). Heffernan’s reviewed page does not list those gaps. If you rent vans or run a shop, TechInsurance’s copy tells you to add other products; Heffernan’s copy leaves that conversation for the broker call. ² ¹

Median Premium and New Hampshire

TechInsurance reports a $245 monthly median and says all states except New Hampshire require commercial auto for business-registered vehicles. Heffernan publishes no premium range and no state-requirement note. Heffernan does describe claims, loss control, HR consulting and risk-management services around the program; TechInsurance’s reviewed auto page does not. ² ¹

What Should You Confirm in Heffernan Insurance Brokers and TechInsurance Commercial Auto Insurance Quotes?

Ask both whether hired and non-owned auto and garage keepers are included or quoted separately. ² ¹
Treat $245 as TechInsurance’s book median; ask Heffernan for a premium at matching limits. ² ¹
Confirm the issuing insurer; neither page names it. ² ¹
Ask Heffernan how loss control would apply to this fleet; TechInsurance’s page does not describe that service. ¹

Heffernan Insurance Brokers vs TechInsurance Commercial Auto Compared

Heffernan Insurance Brokers vs TechInsurance: Commercial Auto Insurance: documented features by provider

Criteria	Heffernan Commercial Auto Insurance Brokerage	TechInsurance Commercial Auto Insurance
Coverage Features	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. ¹Company-reported. Business Insurance page's basic-coverages list, a single-line mention.	TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. ²Company-reported. Commercial auto product page; general policy description, not a specific policy form. TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). ²Company-reported. Commercial auto product page, What isn't covered section.
Role in This Line	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. ¹Company-reported. Business Insurance page's basic-coverages list.	TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. ²Company-reported. Commercial auto product page.

Criteria

Heffernan Commercial Auto Insurance Brokerage

TechInsurance Commercial Auto Insurance

Coverage Features

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. ¹Company-reported. Business Insurance page's basic-coverages list, a single-line mention.

TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. ²Company-reported. Commercial auto product page; general policy description, not a specific policy form.

TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). ²Company-reported. Commercial auto product page, What isn't covered section.

Role in This Line

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. ¹Company-reported. Business Insurance page's basic-coverages list.

TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. ²Company-reported. Commercial auto product page.