---
title: "Heffernan Insurance Brokers vs TechInsurance Commercial Auto Insurance"
description: "TechInsurance publishes owned-vehicle cover, exclusions and a $245 median; Heffernan lists commercial auto without those product details."
canonical: "https://spot.insure/compare/heffernan-vs-techinsurance/commercial-auto"
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-techinsurance/commercial-auto)

# Heffernan Insurance Brokers vs TechInsurance Commercial Auto Insurance

TechInsurance publishes owned-vehicle cover, exclusions and a $245 median; Heffernan lists commercial auto without those product details.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and TechInsurance for Commercial Auto 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

TechInsurance describes commercial auto for owned business vehicles, lists hired and garage-keepers gaps, and reports a $245 monthly median. Heffernan lists commercial auto among basic coverages it arranges, without those coverage notes or a published cost figure, and offers program-level claims and loss control. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [4](https://www.techinsurance.com/about-us "About TechInsurance") [5](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Commercial Auto Insurance?

Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. [7](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Commercial Auto Insurance

### Product Detail Versus a Catalogue Line

TechInsurance says commercial auto covers bodily injury and property damage liability, MedPay or PIP where required, uninsured motorists, and optional collision and comprehensive on company vehicles. Heffernan’s business page lists commercial auto as a coverage it can provide without those agreements. Both arrange rather than underwrite; only TechInsurance’s reviewed page walks through what the policy typically pays. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

### 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. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

### 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. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## What to Confirm in Commercial Auto Insurance Quotes

- Ask both whether hired and non-owned auto and garage keepers are included or quoted separately. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Treat $245 as TechInsurance’s book median; ask Heffernan for a premium at matching limits. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Confirm the issuing insurer; neither page names it. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Ask Heffernan how loss control would apply to this fleet; TechInsurance’s page does not describe that service. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## Offering Details

| Criteria | Heffernan Commercial Auto Insurance Brokerage | TechInsurance Commercial Auto Insurance |
| --- | --- | --- |
| 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page..) |
| Issuing Insurer | No insurer is named for commercial auto on the reviewed page; the issuing carrier would appear on the quote and declarations. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: Checked the Business Insurance page on 2026-09-23..) | The reviewed page does not name the issuing insurer for a commercial auto policy. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Not publicly disclosed; scope: Commercial auto product page as read on 2026-09-23..) |
| Who It’s For | Not described in the reviewed sources. | TechInsurance says all states except New Hampshire require commercial auto insurance for vehicles registered to a business, with most states also setting minimum liability, and in some cases uninsured/underinsured motorist, coverage amounts. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page, Are you required by law to purchase commercial auto insurance? section..) |
| 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page; general policy description, not a specific policy form..)<br><br>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). [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page, What isn't covered section..) |
| Limits and Retentions | The business insurance page does not publish limits, deductibles or premium ranges for commercial auto coverage. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: Checked the Business Insurance page on 2026-09-23..) | TechInsurance says its commercial auto customers pay a median of $245 per month, with the exact premium depending on number and type of vehicles, employee driving records and demographics, coverage options selected, claims history, and policy deductible and limits. [6](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| Risk Services | 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. |
| How to Apply | 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance page contact call to action..) | Not described in the reviewed sources. |

## Full Comparison

- [Heffernan Insurance Brokers vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto insurance can cover your business's liability on the road and damage to the vehicles you insure.
- [Heffernan Insurance Brokers vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-techinsurance/business-owners-policy)
- [Heffernan Insurance Brokers vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/commercial-property)
- [Heffernan Insurance Brokers vs TechInsurance Cyber Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/cyber)
- [Heffernan Insurance Brokers vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/employment-practices)
- [Heffernan Insurance Brokers vs TechInsurance Fidelity Bonds](https://spot.insure/compare/heffernan-vs-techinsurance/fidelity-bonds)
- [Heffernan Insurance Brokers vs TechInsurance General Liability Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/general-liability)
- [Heffernan Insurance Brokers vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/professional-errors-omissions)
- [Heffernan Insurance Brokers vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/commercial-auto)
- [Alliance Risk vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/commercial-auto)
- [Chubb vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-heffernan/commercial-auto)
- [Chubb vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-techinsurance/commercial-auto)
- [Corgi vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-heffernan/commercial-auto)
- [Corgi vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-techinsurance/commercial-auto)

## 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 for 21st Century Exposures: basic coverages including general liability, commercial property, commercial auto, workers' compensation and global/foreign exposures; claims services, loss control, HR consulting and risk management and assessment services; alternative risk arrangements. Accessed 2026-09-23.

### TechInsurance

4. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
5. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
6. [Commercial Auto Insurance Coverage for a Small Business](https://www.techinsurance.com/commercial-auto-insurance). TechInsurance; What does commercial auto liability insurance cover? (bodily injury/property damage liability, medical payments/PIP, uninsured motorists, collision/comprehensive); How much does commercial auto insurance cost?; Are you required by law to purchase commercial auto insurance?; Who does a commercial auto policy insure?. Accessed 2026-09-23.

### Commercial Auto Insurance Guide

7. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. 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-techinsurance/commercial-auto.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)