What Are the Key Differences Between Coverdash and Heffernan Insurance Brokers Business Owner’s Policy?
Buy Online or Get a Custom Package
Both are brokers, so neither carries the risk. Coverdash's process runs from quote to purchase online, and you can add commercial auto, professional liability or cyber in the same flow. Heffernan's small-business division works only with small companies and says it will research a package for an industry or niche it doesn't list. Choose Coverdash if you're a startup, online seller or small storefront with a common risk and want coverage without a call; choose Heffernan if your business is unusual enough that an online form may not quote it. [3] [1] [4]
Who Each Says It Serves
Coverdash names restaurants, retailers, real estate agencies and construction companies with space, equipment or inventory. Heffernan uses the Small Business Administration test (fewer than 500 employees or under $7 million in receipts) and lists construction, food, health care, hospitality, real estate, technology and transportation. Coverdash publishes no size limit, so larger firms should ask before applying. [1] [4]
What the Package Covers
Coverdash's BOP combines general liability, commercial property and business interruption for lost income, and the company says the bundle usually costs less than buying the parts separately. Heffernan describes only a bundle of your major property and liability risks. Neither publishes limits. [1] [4]