What Does Hired and Non-Owned Auto Insurance from Heffernan Insurance Brokers Cover?

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. ¹Company-reportedHome Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line.

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. ¹Company-reportedHome 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 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. ¹Company-reportedHome 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 reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. ¹Not publicly disclosedHome Care Business Insurance page as read on 2026-09-23.

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. ¹Company-reportedHome Care Business Insurance page as read on 2026-09-23; described for the home care program generally, not exclusively for the auto coverage.

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. ¹Company-reportedHome Care Business Insurance page as read on 2026-09-23; applies to the home care package generally, not solely to auto coverage.