Heffernan Insurance Brokers vs 
The Hartford: How Do They Compare for Commercial Auto Insurance?
Heffernan Insurance Brokers has you contact its brokers; The Hartford does not sell commercial auto online to small businesses, directing them to a local agency or Tivly, with average costs near $574 a month.
The Hartford lists executive drive-other-car and reports about $574 average monthly cost, but routes small-business auto through agencies or Tivly; Heffernan lists auto in its wider business program. 2,1
What Are the Key Differences Between Heffernan Insurance Brokers and The Hartford Commercial Auto Insurance?
Published Options and Purchase Route
The Hartford names bodily-injury, property-damage and drive-other-car options and reports an average monthly cost of about $574. Small businesses must use a local agency or Tivly. Choose The Hartford if its listed options fit and agency purchase works; choose Heffernan if you want to discuss auto alongside broader program services. 2 1
Options, Trades and Average Cost
The Hartford lists bodily injury and property damage liability, drive-other-car for executives, collision, comprehensive, medical payments, uninsured motorists and rental car coverage, names beauty, consulting, photography, retail, technology and restaurants, and reports about $574 a month ($6,884 a year) as a customer average. Heffernan’s reviewed page does not list those options, trades or a cost figure. 2 1
Agency or Tivly Versus a Broker Call
The Hartford does not currently sell commercial auto online for small businesses; it sends you to a local agency or Tivly. Heffernan also has no described online auto quote and tells you to contact the brokerage. Heffernan adds claims, loss control, HR consulting and risk-management services around the program; The Hartford’s reviewed auto page does not describe those brokerage services. 2 1
What Should You Confirm in Heffernan Insurance Brokers and The Hartford Commercial Auto Insurance Quotes?
- Confirm whether The Hartford is bound through an agency or Tivly, and which carrier Heffernan places. 2 1
- Ask for drive-other-car, rental reimbursement and uninsured-motorist limits on both quotes. 2 1
- Do not use $574 a month as your Hartford premium; Heffernan has no published average until quotes exist. 2
- Check vehicle types: The Hartford names cargo vans, box trucks and service utility trucks; Heffernan does not. 2 1
Heffernan Insurance Brokers vs The Hartford Commercial Auto Compared
Heffernan Insurance Brokers vs The Hartford: Commercial Auto Insurance: documented features by provider
| Criteria | Heffernan Commercial Auto Insurance Brokerage | The Hartford Commercial Auto Insurance |
|---|---|---|
| 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. 1Company-reported. Business Insurance page contact call to action. | The Hartford does not currently sell commercial auto coverage online for small businesses; it directs buyers to a local agency or to its partner Tivly for a quote instead of a self-serve online flow. 2Company-reported. Commercial auto product page as read 2026-09-23. |
| 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. | The Hartford lists common commercial auto coverage options: bodily injury liability, property damage liability, drive-other-car coverage for executives, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental car coverage. It excludes unrelated medical expenses, contents inside the vehicle, accidents in an employee's personal vehicle for personal reasons, and rental-vehicle repair costs while a company vehicle is being fixed. 2Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. | The Hartford's commercial auto insurance helps cover property damage and medical expenses when a business or its employees cause an accident using company vehicles. 2Company-reported. Commercial auto product page as read 2026-09-23. |
