---
title: "Heffernan Insurance Brokers vs TechInsurance: Commercial Auto Insurance"
description: "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."
canonical: "https://spot.insure/compare/heffernan-vs-techinsurance/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-techinsurance"
provider-a: "heffernan"
provider-b: "techinsurance"
coverage-line: "commercial-auto"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-techinsurance/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and TechInsurance for Commercial Auto 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 Commercial Auto Insurance questions about Heffernan Insurance Brokers versus TechInsurance. 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 TechInsurance for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, Heffernan Insurance Brokers or TechInsurance?
- What does Heffernan Insurance Brokers or TechInsurance publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: Heffernan Insurance Brokers and TechInsurance.
- 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 TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance) — all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — how this coverage works
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 reports a $245 monthly median and details vehicle gaps; Heffernan lists commercial auto without product terms.

## Heffernan Insurance Brokers vs TechInsurance Commercial Auto Insurance Summary

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](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## 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](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [1](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. [2](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [1](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. [2](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## 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](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [1](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. [2](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Confirm the issuing insurer; neither page names it. [2](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") [1](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. [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## Heffernan Insurance Brokers vs TechInsurance Commercial Auto Compared

| 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. [1](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. [2](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). [2](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..) |
| 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. [1](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. [2](https://www.techinsurance.com/commercial-auto-insurance "Commercial Auto Insurance Coverage for a Small Business") (Evidence: Company-reported; scope: Commercial auto product page..) |

## About Heffernan Insurance Brokers and TechInsurance

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto)

## Related Pages for Heffernan Insurance Brokers vs TechInsurance

- [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 covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/insurance-providers/heffernan/commercial-auto)
- [TechInsurance Commercial Auto Insurance](https://spot.insure/insurance-providers/techinsurance/commercial-auto)

## Sources for Heffernan Insurance Brokers vs TechInsurance

### Sources About Heffernan Insurance Brokers

1. [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.

### Sources About TechInsurance

2. [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.

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

- [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)