--- title: "Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance" description: "What Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance covers, who it’s for, and how to apply, cited to Heffernan Insurance Brokers’s own published sources." canonical: "https://spot.insure/insurance-providers/heffernan/hired-non-owned-auto" page-type: "offering-page" updated-at: "2026-09-23" --- 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/insurance-providers/heffernan/hired-non-owned-auto) # Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance Heffernan Hired and Non-Owned Auto Brokerage 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.) ## 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.) ## 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.) ## Limits and Retentions - **Not publicly disclosed.** The reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Scope: Home Care Business Insurance page as read on 2026-09-23.) ## 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. [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; described for the home care program generally, not exclusively for the auto coverage.) ## 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.) ## Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance Compared - [Heffernan Insurance Brokers vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-heffernan/hired-non-owned-auto) - [Heffernan Insurance Brokers vs Beazley](https://spot.insure/compare/beazley-vs-heffernan/hired-non-owned-auto) - [Heffernan Insurance Brokers vs Corgi](https://spot.insure/compare/corgi-vs-heffernan/hired-non-owned-auto) - [Heffernan Insurance Brokers vs Founder Shield](https://spot.insure/compare/foundershield-vs-heffernan/hired-non-owned-auto) - [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international/hired-non-owned-auto) - [Heffernan Insurance Brokers vs Kinro](https://spot.insure/compare/heffernan-vs-kinro/hired-non-owned-auto) ## Other Heffernan Insurance Brokers Coverage Lines - [Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/insurance-providers/heffernan/builders-risk) - [Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/insurance-providers/heffernan/business-owners-policy) - [Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/insurance-providers/heffernan/cargo-transit) - [Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/insurance-providers/heffernan/commercial-auto) - [Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/insurance-providers/heffernan/commercial-property) - [Heffernan Insurance Brokers Crime Insurance](https://spot.insure/insurance-providers/heffernan/crime) - [Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/insurance-providers/heffernan/cyber) - [Heffernan Insurance Brokers Employee Health Benefits](https://spot.insure/insurance-providers/heffernan/employee-health-benefits) - [Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/insurance-providers/heffernan/employment-practices) - [Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/insurance-providers/heffernan/fiduciary) - [Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/insurance-providers/heffernan/general-liability) - [Heffernan Insurance Brokers Last-Mile Delivery Insurance](https://spot.insure/insurance-providers/heffernan/last-mile-delivery) - [Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/insurance-providers/heffernan/medical-malpractice) - [Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/heffernan/professional-errors-omissions) - [Heffernan Insurance Brokers Representations and Warranties Insurance](https://spot.insure/insurance-providers/heffernan/representations-warranties) - [Heffernan Insurance Brokers Surety Bonds](https://spot.insure/insurance-providers/heffernan/surety-bonds) - [Heffernan Insurance Brokers Trucking Insurance](https://spot.insure/insurance-providers/heffernan/trucking) - [Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/insurance-providers/heffernan/workers-compensation) ## Related - [Heffernan Insurance Brokers Profile](https://spot.insure/insurance-providers/heffernan) - [Heffernan Insurance Brokers Reliability](https://spot.insure/insurance-providers/heffernan/reliability) - [Heffernan Insurance Brokers Alternatives](https://spot.insure/insurance-providers/heffernan/alternatives) - [Coverage Guide: Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) ## Sources 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/heffernan/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)