--- title: "Heffernan Insurance Brokers vs The Hartford: Hired and Non-Owned Auto Insurance" description: "The Hartford defines hired and non-owned HNOA and sells it through local agencies or Tivly; Heffernan includes it in home-care and hospice programs." canonical: "https://spot.insure/compare/heffernan-vs-the-hartford/hired-non-owned-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: "hired-non-owned-auto" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/heffernan-vs-the-hartford/hired-non-owned-auto) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and The Hartford for Hired and Non-Owned 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 Hired and Non-Owned 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 Hired and Non-Owned Auto Insurance: how do they differ? - Which is better for Hired and Non-Owned Auto Insurance, Heffernan Insurance Brokers or The Hartford? - What does Heffernan Insurance Brokers or The Hartford publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Hired and Non-Owned 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 - [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-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 Hired and Non-Owned Auto Insurance? Heffernan Insurance Brokers packages HNOA for care providers and asks them to start 30 days ahead; The Hartford directs buyers to a local agency for a quote. Heffernan includes HNOA in caregiver packages; The Hartford sells a defined two-part HNOA product through agencies or Tivly. ## Heffernan Insurance Brokers vs The Hartford Hired and Non-Owned Auto Insurance Summary The Hartford defines hired and non-owned HNOA and sells it through local agencies or Tivly; Heffernan includes it in home-care and hospice programs. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") ## What Are the Key Differences Between Heffernan Insurance Brokers and The Hartford Hired and Non-Owned Auto Insurance? ### Caregiver Program Versus Defined Commercial Auto Product Heffernan includes hired and non-owned auto liability in its home-care, home-health and hospice insurance program. The Hartford defines hired coverage for rented, leased or borrowed vehicles and non-owned coverage for employees’ personal vehicles used for business, and publishes coverage details and exclusions. It sells through a local agency or Tivly, not online. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") Choose Heffernan if you operate a care agency and want HNOA in that program; choose The Hartford if you need the defined two-part commercial auto product through an agent. ### 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") ### 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. [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") ## What Should You Confirm in Heffernan Insurance Brokers and The Hartford Hired and Non-Owned Auto Insurance Quotes? - Ask Heffernan how non-owned and hired auto differs from owned auto on the home care package. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") - Ask The Hartford or Tivly for hired versus non-owned limits and listed exclusions. [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") - Confirm Heffernan’s 30-day lead time and Hartford’s offline quote path. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") - Get issuing insurers and deductibles from both. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") ## Heffernan Insurance Brokers vs The Hartford Hired and Non-Owned Auto Compared | Criteria | Heffernan Hired and Non-Owned Auto Brokerage | The Hartford Hired and Non-Owned Auto Insurance (HNOA) | | --- | --- | --- | | 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) | | 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23. General coverage description; the issued policy controls..) | | 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) | ## About Heffernan Insurance Brokers and The Hartford - [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 Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-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 Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto): Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work, but it does not cover damage to those vehicles. - [Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/heffernan/hired-non-owned-auto) - [The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/the-hartford/hired-non-owned-auto) ## Sources for Heffernan Insurance Brokers vs The Hartford ### Sources About Heffernan Insurance Brokers 1. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). 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. ### Sources About The Hartford 2. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). 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. 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-the-hartford/hired-non-owned-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)