Heffernan vs Hub International: Business Owner’s Policy

Heffernan Insurance Brokers runs a division focused entirely on small-business clients; HUB International brokers BOPs and has you contact a HUB broker, with an advisor tailoring the policy to your line of business.

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

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

Knowing Up Front Whether You Fit

A small food producer or transport firm can check Heffernan's page and see itself: construction, food, health care, hospitality, real estate, technology and transportation, sized by SBA rules. If your trade is unusual, Heffernan says it will research it. HUB's BOP page gives no such screens, so you learn whether it fits only after a broker call. Choose Heffernan if you're an SBA-size business in a listed or hard-to-place industry; choose HUB if you own a building or equipment and want an advisor to close gaps between separate property and liability policies. [1] [2]

What the Package Covers

Heffernan describes the BOP as the basic coverages an owner needs, without detail. HUB is more specific: building and business-property cover for damaged buildings, equipment and stock, plus liability for harm your business causes. [1] [2]

Expect a Conversation

Both are brokers, and neither sells a BOP online. HUB routes you to one of its brokers, and Heffernan's small-business page has no bind-it-yourself flow. Neither names the insurer or publishes limits, so budget time for a call before you see a price. [2] [1]

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

  • Ask both which insurer issues the policy. [1] [2]
  • Ask Heffernan whether you meet SBA size rules and which industry team handles you. [1]
  • Ask HUB which options its advisor adds for your trade. [2]
  • Get limits and deductibles from both; neither publishes them. [1] [2]

Provider coverage details

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 ↗

HUB International

  • role: HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. BOP product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • services: HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.company-reportedSource ↗
  • insurer: The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.not-disclosedSource ↗
  • application: HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. Product-page call to action as read 2026-09-23.company-reportedSource ↗

Heffernan names who it serves, SBA-size companies in seven listed industries, and will research niches outside that list. HUB publishes no size or industry screens; an advisor tailors your BOP after you contact a broker.

Sources and records

  1. 01
    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

  2. 02
    Business Owners Policy (BOP) Company Coverage

    HUB International · BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker · 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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