Embroker vs Heffernan: Business Owner’s Policy

Embroker offers an online BOP quote through its own platform and targets firms under 100 employees; Heffernan Insurance Brokers arranges BOPs for small and growing companies and will research a custom package for niche industries.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-25

Provider coverage details

Embroker

  • role: Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. Product-page description of the bundle; not a statement about the issuing insurer.company-reportedSource ↗
  • eligibility: Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all.company-reportedSource ↗
  • coverage: The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. Product-page coverage summary; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. Product-page What's not included and FAQ sections.company-reportedSource ↗
  • coverage: Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. FAQ section; specific endorsement availability depends on underwriting.company-reportedSource ↗
  • application: Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. Product-page 'Quick quotes' feature description; no quote was requested during this research.company-reportedSource ↗
  • services: The reviewed BOP page does not describe line-specific risk-control or loss-prevention services beyond general references to the Embroker Resource Hub and chat support. Product page as read on 2026-09-23; broader broker-wide services may exist elsewhere.not-foundSource ↗

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 ↗

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

Standard Online BOP Versus a Custom Broker Package

Embroker packages commercial property, general liability and business interruption on its own quote platform. You need a physical location, and a home office counts. Heffernan's small-business division is a broker, not the insurer, and targets firms from home-based sole proprietors to fast-growing companies in construction, food, health care, hospitality, real estate, technology and transportation. It will research a custom package if your niche isn't listed. Choose Embroker if you fit its 100-employee and $10 million screen and want to quote online; choose Heffernan if you're larger, in an unusual industry or want a broker shopping for you. [1] [2]

What Embroker Excludes

Embroker states plainly that its BOP doesn't cover cyberattacks, professional liability, employment claims or criminal activity. It offers endorsements for professional liability, employment practices, spoiled merchandise and mechanical breakdown. Heffernan publishes no exclusion or endorsement list, so ask for one before comparing. Embroker's BOP page offers no risk-control help beyond a general resource hub and chat. [1] [2]

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

  • Check your headcount and revenue against Embroker's 100-employee and $10 million screen, and Heffernan's 500-employee or $7 million range. [1] [2]
  • If Heffernan doesn't list your industry, ask what custom package it would build. [2] [1]
  • Ask both which insurer issues the policy and whether cyber, EPL and workers' compensation sit inside or beside the BOP. [1] [2]
  • Get limits in writing; neither page publishes them. [1] [2]

Embroker is the quicker route if you have under 100 employees and $10 million in revenue: you quote online, and it spells out exclusions. Heffernan is a broker that serves firms under 500 employees or $7 million in receipts and builds custom packages for unlisted industries.

Sources and records

  1. 01
    Business Owners Policy

    Embroker · Why it's essential; Who needs this coverage; What is a Business Owners Policy?; What's covered; What's not included; FAQ: Are there additional coverages available with BOP insurance?; Who benefits most from BOP insurance? · accessed 2026-09-23

  2. 02
    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

  3. 03
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  4. 04
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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