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

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

## Agent Guide

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

**Key facts:**
- Line: Commercial Auto Insurance. Providers: Heffernan Insurance Brokers and The Hartford.
- 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 The Hartford](https://spot.insure/compare/heffernan-vs-the-hartford) — 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
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 publishes coverage options and an average cost but has no online sale for small businesses; Heffernan lists auto in a business program.

## Heffernan Insurance Brokers vs The Hartford Commercial Auto Insurance Summary

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

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

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

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

## 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](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Ask for drive-other-car, rental reimbursement and uninsured-motorist limits on both quotes. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Do not use $574 a month as your Hartford premium; Heffernan has no published average until quotes exist. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- Check vehicle types: The Hartford names cargo vans, box trucks and service utility trucks; Heffernan does not. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## Heffernan Insurance Brokers vs The Hartford Commercial Auto Compared

| 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. [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |

## About Heffernan Insurance Brokers and The Hartford and Commercial Auto

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

## Related Pages for Heffernan Insurance Brokers vs The Hartford

- [Heffernan Insurance Brokers vs The Hartford](https://spot.insure/compare/heffernan-vs-the-hartford): 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)
- [The Hartford Commercial Auto Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-auto)

## Sources for Heffernan Insurance Brokers vs The Hartford

### 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 The Hartford

2. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Banner: The Hartford does not currently offer this coverage online for small businesses; What Does Commercial Auto Insurance Cover?; What Is Not Covered?; What Types of Vehicles Are Covered?; Do I Need Commercial Auto Insurance?; How Much Does Commercial Auto Insurance Cost?. 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.

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