Amelia Risk vs Heffernan: Business Owner’s Policy

What Are the Key Differences Between Amelia Risk and Heffernan Insurance Brokers Business Owner’s Policy?

Who Each Broker Is Built For

Heffernan's small-business division uses the SBA size test: fewer than 500 employees or under $7 million in annual receipts. It lists construction, food, health care, hospitality, real estate, technology and transportation. Amelia Risk writes its BOP pages for startups and technology clients specifically. Choose Amelia Risk if you run a venture-backed or tech startup; choose Heffernan if you run a traditional small business in one of its listed industries or a niche it doesn't list. [3] [4] [6]

Whether Hired Auto Comes in the Bundle

Amelia Risk's BOP includes property, general liability and hired and non-owned auto, which covers you when employees drive rented or personal cars for work. Heffernan describes a BOP as your major property and liability risks in one package and doesn't mention hired auto, so you may need to add it. [3] [6]

Consumer-Product Companies May Not Get a BOP From Amelia

Amelia Risk's CPG and consumer-product pages list general liability and auto as separate coverages, with no BOP. If you sell physical products, that can mean separate policies. Heffernan says it will research a package for any industry it doesn't list. [2] [1] [6]

What Should You Confirm in Amelia Risk and Heffernan Insurance Brokers Business Owner’s Policy Quotes?

Ask Amelia Risk whether a CPG or consumer-product company can get a BOP or only separate liability and auto policies. [2]
Ask Heffernan whether hired and non-owned auto sits inside the BOP or needs its own policy. [6]
Ask both brokers which insurer issues the policy. [4] [6]
Get limits and deductibles in writing; neither page publishes them. [3] [6]

Amelia Risk is the better fit for a startup or tech company, and its BOP includes hired and non-owned auto. Heffernan takes a much wider range of small businesses, from construction to hospitality, and will build a package for an unlisted industry.

Sources and records

01
Consumer Product Insurance
Amelia Risk Insurance Brokers · Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead · accessed 2026-09-23
02
Insurance For CPG Companies
Amelia Risk Insurance Brokers · Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead · accessed 2026-09-23
03
Insurance For Startups
Amelia Risk Insurance Brokers · Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability · accessed 2026-09-23
04
Insurance For Technology Companies
Amelia Risk Insurance Brokers · Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed · accessed 2026-09-23
05
Our Specialties
Amelia Risk Insurance Brokers · Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides · accessed 2026-09-23
06
Small Business Insurance
Heffernan Insurance Brokers · Tailor-Made Insurance for Small Businesses; types of coverage we can provide including business owner's policy; industry list; U.S. Small Business Administration size definition · accessed 2026-09-23
07
Business Interruption and Business Owner Policy
National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16
08
Small Business
National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

Provider coverage details

Amelia Risk

role: Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies.company-reportedSource ↗Source ↗
coverage: Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms.company-reportedSource ↗Source ↗
eligibility: Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment.company-reportedSource ↗Source ↗Source ↗Source ↗
insurer: The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review.not-disclosedSource ↗Source ↗
limits: Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. Startup and technology specialty pages as read on 2026-09-23.not-disclosedSource ↗Source ↗
services: The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. Startup, technology and specialties overview pages as read on 2026-09-23.not-foundSource ↗Source ↗Source ↗

Heffernan Insurance Brokers

role: Heffernan's small-business division arranges a business owner's policy (BOP) for small and growing companies as one of several coverages it places. Heffernan describes itself as the source businesses go to for insurance, not as the insurer. Small Business Insurance page description of the division and its BOP offering.company-reportedSource ↗
coverage: Heffernan describes a business owner's policy as a package that combines protection for a company's major property and liability risks in one bundle, assembling the basic coverages a business owner needs. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there.company-reportedSource ↗
eligibility: Heffernan's small-business insurance targets companies the U.S. Small Business Administration defines as having fewer than 500 employees or less than $7 million in annual receipts, ranging from sole proprietors working from home to fast-growing companies, across industries it lists including construction, food, health care, hospitality, real estate, technology and transportation. Small Business Insurance page's eligibility and industry-list sections.company-reportedSource ↗
services: Heffernan says its small-business division focuses entirely on the needs of small-business clients and will research and build a custom-designed package for an industry or niche not listed on the page. Small Business Insurance page description of the division's approach.company-reportedSource ↗
limits: The small-business page does not publish BOP limits, deductibles or premium ranges. It cites only general statistics on the cost of small-business lawsuits, not Heffernan's own policy terms. Checked the Small Business Insurance page on 2026-09-23.not-disclosedSource ↗
insurer: The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.not-disclosedSource ↗