Heffernan Insurance Brokers vs 
Travelers: How Do They Compare for Commercial Auto Insurance?
Heffernan Insurance Brokers places cover with carriers and asks you to contact it directly; Travelers sells commercial auto standalone through independent agents, with limits up to $1 million and 600-plus risk consultants.
Travelers offers standalone commercial auto with liability up to $1 million through agents; Heffernan lists auto among basic business coverage and ties it to program-level services. 2,1
What Are the Key Differences Between Heffernan Insurance Brokers and Travelers Commercial Auto Insurance?
Published Liability Limit vs. Broader Business Services
Travelers separates auto from its BOP and sells through independent agents; Heffernan names commercial auto among business coverages and describes claims and loss-control services across programs. Choose Travelers if the published limit fits; choose Heffernan if broader service support is more important. 2 1
Published Limits and CoveragePlus
Travelers advertises liability up to $1 million for injury and property damage to others and offers Select Auto CoveragePlus (lease gap, employee hired auto, blanket additional insured) plus hired and non-owned auto. Heffernan’s reviewed page publishes no limits and does not name those endorsements. Travelers also lists passenger vehicles, vans, light and heavy trucks, trailers, fleets and specialty units, including Northland trucking; Heffernan does not list vehicle classes. 2 1
Risk Control Staff Versus Broker Services
Travelers says customers can use more than 600 Risk Control consultants, a dedicated claim team and roadside assistance, and you buy through an independent agent. Heffernan describes claims services, loss control, HR consulting and risk-management assessment on the business-insurance program, and you start by contacting the brokerage. Those are two different service desks attached to two different legal roles. 2 1
What Should You Confirm in Heffernan Insurance Brokers and Travelers Commercial Auto Insurance Quotes?
- Compare Travelers’ quoted liability limit with Heffernan’s market, including whether $1 million is offered. 2 1
- Ask which CoveragePlus items sit on the Travelers quote and whether Heffernan’s placement includes hired auto and additional insureds. 2 1
- If you already have a BOP, confirm Travelers auto remains separate; Heffernan’s page does not discuss BOP packaging. 2
- Clarify claims reporting: Travelers names a dedicated claim team; Heffernan names brokerage claims services. 2 1
Heffernan Insurance Brokers vs Travelers Commercial Auto Compared
Heffernan Insurance Brokers vs Travelers: Commercial Auto Insurance: documented features by provider
| Criteria | Heffernan Commercial Auto Insurance Brokerage | Travelers 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. | You buy commercial auto insurance through a Travelers independent agent, who reviews business operations and vehicles to select coverage. 2Company-reported. Product page "How do I purchase commercial auto insurance?" FAQ. |
| 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. | Travelers says the policy covers liability for bodily injury and property damage, physical damage to owned, leased, hired or borrowed vehicles, collision, comprehensive, and damages caused by uninsured or underinsured drivers. 2Company-reported. Product page "What does commercial auto insurance cover?" and "Protect your business on the road" sections; exclusions and state variation apply. Travelers offers optional Select Auto CoveragePlus enhancements, including auto lease gap coverage, employee hired auto coverage and blanket additional insured coverage, plus separate hired and non-owned auto coverage for rented or employee-owned vehicles used for work. 2Company-reported. Product page "Additional coverage options" and "Hired and non-owned auto coverage" sections. |
| 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. | Travelers underwrites commercial auto insurance as a standalone policy; it is not included in a Travelers Business Owner's Policy and must be purchased separately. 2Company-reported. Commercial auto product page. |
| Risk Services | Heffernan says clients arranging its business insurance coverages, including commercial auto, get access to its claims services, loss control, HR consulting, and risk management and assessment services. 1Company-reported. Business Insurance page's services paragraph, described at the whole business-insurance-program level rather than specific to commercial auto. | Travelers says commercial auto customers can draw on more than 600 Risk Control consultants and a dedicated Claim team, plus Travelers Roadside Assistance Coverage. 2Company-reported. Product page Risk Control, Claim and Roadside Assistance sections. |
