--- title: "Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance" description: "Everything to know before buying Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance: what it covers, who it’s for, and how to apply." canonical: "https://thegeneralaverage.com/insurance-providers/heffernan/hired-non-owned-auto" page-type: "offering-page" updated-at: "2026-09-23" provider: "heffernan" 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 the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, 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://thegeneralaverage.com/insurance-providers/heffernan/hired-non-owned-auto) ## Agent Guide **What this page is:** What Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance specifically. For the general coverage explainer use /coverage/hired-non-owned-auto; for the provider overall use its profile. **Questions this page answers:** - Does Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance offer this coverage? - What does Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance cover and exclude? - Who is Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance designed for? **Key facts:** - Provider slug `heffernan`; coverage line `hired-non-owned-auto`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/heffernan) — parent: provider profile # What Does Hired and Non-Owned Auto Insurance from Heffernan Insurance Brokers Cover? Product: Heffernan Hired and Non-Owned Auto Brokerage. Provider: Heffernan Insurance Brokers. Coverage line: Hired and Non-Owned Auto Insurance. ## Quick Answer Heffernan Insurance Brokers places hired and non-owned auto liability for home care, home health and hospice businesses as part of its home care insurance program. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") ## Heffernan Insurance Brokers Hired and Non-Owned Auto at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Not publicly disclosed | 1 | | Risk Services | Company-reported | 1 | | How to Apply | Company-reported | 1 | ## Heffernan Insurance Brokers’ Role in Hired and Non-Owned Auto - 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 Is Heffernan Insurance Brokers Hired and Non-Owned Auto 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.) ## Heffernan Insurance Brokers Hired and Non-Owned Auto 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.) ## Heffernan Insurance Brokers Hired and Non-Owned Auto 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 Do You Apply for Heffernan Insurance Brokers Hired and Non-Owned Auto? - 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.) ## What We Couldn’t Find About Heffernan Insurance Brokers Hired and Non-Owned Auto The reviewed sources do not settle these. Confirm them with Heffernan Insurance Brokers or a broker before relying on them. - **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.) ## Heffernan Insurance Brokers vs Other Hired and Non-Owned Auto Providers - [Heffernan Insurance Brokers vs AIG](https://thegeneralaverage.com/compare/aig-vs-heffernan) - [Heffernan Insurance Brokers vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-heffernan) - [Heffernan Insurance Brokers vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-heffernan) - [Heffernan Insurance Brokers vs CNA](https://thegeneralaverage.com/compare/cna-vs-heffernan) - [Heffernan Insurance Brokers vs Corgi](https://thegeneralaverage.com/compare/corgi-vs-heffernan) - [Heffernan Insurance Brokers vs Founder Shield](https://thegeneralaverage.com/compare/foundershield-vs-heffernan) ## Other Coverage Lines From Heffernan Insurance Brokers - [Heffernan Insurance Brokers Builders Risk Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/builders-risk) - [Heffernan Insurance Brokers Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/heffernan/business-owners-policy) - [Heffernan Insurance Brokers Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/cargo-transit) - [Heffernan Insurance Brokers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/commercial-auto) - [Heffernan Insurance Brokers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/commercial-property) - [Heffernan Insurance Brokers Crime Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/crime) - [Heffernan Insurance Brokers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/cyber) - [Heffernan Insurance Brokers D&O Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/directors-officers) - [Heffernan Insurance Brokers Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/heffernan/employee-health-benefits) - [Heffernan Insurance Brokers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/employment-practices) - [Heffernan Insurance Brokers Fidelity Bonds](https://thegeneralaverage.com/insurance-providers/heffernan/fidelity-bonds) - [Heffernan Insurance Brokers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/fiduciary) - [Heffernan Insurance Brokers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/general-liability) - [Heffernan Insurance Brokers Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/kidnap-ransom) - [Heffernan Insurance Brokers Last-Mile Delivery Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/last-mile-delivery) - [Heffernan Insurance Brokers Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/management-liability) - [Heffernan Insurance Brokers Medical Malpractice Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/medical-malpractice) - [Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/professional-errors-omissions) - [Heffernan Insurance Brokers Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/representations-warranties) - [Heffernan Insurance Brokers Surety Bonds](https://thegeneralaverage.com/insurance-providers/heffernan/surety-bonds) - [Heffernan Insurance Brokers Trucking Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/trucking) - [Heffernan Insurance Brokers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/umbrella-excess) - [Heffernan Insurance Brokers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/workers-compensation) ## Related Reading - [Heffernan Insurance Brokers Profile](https://thegeneralaverage.com/insurance-providers/heffernan) - [Heffernan Insurance Brokers Reliability](https://thegeneralaverage.com/insurance-providers/heffernan/reliability) - [Heffernan Insurance Brokers Alternatives](https://thegeneralaverage.com/insurance-providers/heffernan/alternatives) - [Coverage Guide: Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto) ## Sources for Heffernan Insurance Brokers Hired and Non-Owned Auto 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. ## How to Cite This Page Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance: Coverage, Eligibility & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/heffernan/hired-non-owned-auto. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/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://thegeneralaverage.com/llms.txt)