Heffernan Insurance Brokers vs 
The Hartford Hired and Non-Owned Auto Insurance
Heffernan places HNOA in home care packages; The Hartford underwrites a two-part HNOA product sold through agencies or Tivly.
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. 1,2,3
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 5,6,7
What Is Hired and Non-Owned Auto Insurance?
Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. 9,10,11
Key Differences in Hired and Non-Owned Auto Insurance
Home Care Brokerage Versus Hartford Auto Coverage
Heffernan places hired and non-owned auto as part of a home care, home health and hospice insurance program rather than underwriting it. The Hartford describes HNOA as commercial auto coverage it offers, with hired and non-owned parts over the employee’s personal auto policy. 4 8
Who Each Is Written For
Heffernan markets the bundle to home health, in-home care, hospice, staffing-agency, infusion-therapy and home-health-aide businesses in all states and agency sizes. The Hartford recommends HNOA for businesses that rent or borrow vehicles, or whose employees use personal vehicles for deliveries or client meetings, without limiting the product to home care. 4 8
Published Exclusions, Timing and Channel
The Hartford lists what HNOA helps pay for bodily injury and property damage, and excludes damage to the hired or non-owned vehicle, staff injuries, theft from the vehicle, wear and tear and personal-use accidents. Heffernan lists Non-owned and Hired Auto separately from owned auto for caregiver trips but does not publish that pay-out list or HNOA limits. Heffernan asks agencies to apply at least 30 days before client work. The Hartford does not sell HNOA online for small businesses and points buyers to a local agency or Tivly. 8 4
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
- Ask Heffernan how non-owned and hired auto differs from owned auto on the home care package. 4
- Ask The Hartford or Tivly for hired versus non-owned limits and listed exclusions. 8
- Confirm Heffernan’s 30-day lead time and Hartford’s offline quote path. 4 8
- Get issuing insurers and deductibles from both. 4 8
Offering Details
Heffernan Insurance Brokers vs The Hartford Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | Heffernan Hired and Non-Owned Auto Brokerage | The Hartford Hired and Non-Owned Auto Insurance (HNOA) |
|---|---|---|
| Role in This Line | Heffernan places hired and non-owned auto liability as part of its home care, home health, and hospice insurance program, alongside owned-auto and other package coverages, rather than underwriting the coverage itself. 4Company-reported. Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line. | The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. 8Company-reported. HNOA product page as read 2026-09-23. |
| Who It’s For | Heffernan markets this bundled auto coverage to home health, in-home care, hospice, staffing-agency, infusion-therapy, and home-health-aide businesses, and says its home care programs cover all states and agency sizes. 4Company-reported. Home Care Business Insurance page as read on 2026-09-23; 'all states' is a company marketing statement, not a state-by-state availability table. | The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. 8Company-reported. HNOA product page as read 2026-09-23. |
| Coverage Features | The home care package lists Non-owned and Hired Auto alongside Business/Owned Auto, so caregivers driving personal or rented vehicles for client visits are covered under a separate insuring agreement from the agency's own fleet. 4Company-reported. Home Care Business Insurance page as read on 2026-09-23; the page does not detail limits, exclusions, or whether hired/non-owned auto is sold on a stand-alone basis outside the home care package. | The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. 8Company-reported. HNOA product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Limits and Retentions | The reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. 4Not publicly disclosed. Home Care Business Insurance page as read on 2026-09-23. | The Hartford says non-owned auto coverage cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented for business; the page does not publish standard liability limits. 8Not publicly disclosed. HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit. |
| Risk Services | Heffernan says its home care insurance specialists walk clients through coverage and premium questions, including how to minimize costs and risks, and that it partners with CAHSAH and the Home Care Association of America. 4Company-reported. Home Care Business Insurance page as read on 2026-09-23; described for the home care program generally, not exclusively for the auto coverage. | Not described in the reviewed sources. |
| How to Apply | Heffernan tells home care businesses to start the insurance application process at least 30 days before working with clients and to contact the firm for a free rate quote, since rates vary by state. 4Company-reported. Home Care Business Insurance page as read on 2026-09-23; applies to the home care package generally, not solely to auto coverage. | Like standard commercial auto, HNOA is not currently sold online for small businesses; The Hartford directs buyers to a local agency or its partner Tivly for a quote. 8Company-reported. HNOA product page as read 2026-09-23. |
Full Comparison
More Heffernan Insurance Brokers vs The Hartford Comparisons
Other Hired and Non-Owned Auto Insurance Comparisons
Sources
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. 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.
- Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
- Home Care Business Insurance. Heffernan Insurance Brokers; We offer comprehensive coverage for: Workers' Compensation Insurance, General and Professional Liability, Employment Practice Liability, Business/Owned Auto, Non-owned and Hired Auto, Sexual Abuse, Crime, Employee Dishonesty Bond, Cyber & Identity Theft, Medical Billing E&O, Property Coverage and more; covering all states and agency sizes. Accessed 2026-09-23.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Hired and Non-Owned Vehicle Insurance | HNOA. The Hartford; What Is Hired and Non-Owned Auto Insurance?; What Are Considered Non-Owned Vehicles?; What Is Considered a Hired Auto?; What Does Hired and Non-Owned Vehicle Insurance Cover?; What Is Not Covered; Do You Need Hired and Non-Owned Auto Coverage?; What Does Non-Owned Auto Coverage Cost? Accessed 2026-09-23.
Hired and Non-Owned Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Non-Owned Auto Liability Insurance. Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
- Business Auto Coverage Form. ISO; hosted by National General; I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7. Accessed 2026-09-16.
