Heffernan vs Techinsurance: Business Owner’s Policy

Heffernan Insurance Brokers arranges BOPs, and will research a custom package for small and growing companies; TechInsurance arranges BOPs through one online application and says savings typically suit firms under 100 employees and $1 million in revenue.

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

TechInsurance fits a small, low-risk business under 100 employees and $1 million in revenue, and reports a median BOP premium of $83 a month. Heffernan takes businesses up to 500 employees or $7 million in receipts, including unusual industries, but publishes no price.

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 Interruption and Business Owner Policy

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

  3. 03
    Small Business

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

  4. 04
    Business Owner's Policy (BOP) Insurance – Compare Quotes

    TechInsurance · Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP? · accessed 2026-09-23

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

Whether Your Business Is Too Big

A 150-person company or one earning $3 million is past TechInsurance's typical BOP profile of fewer than 100 employees, under $1 million a year, a low-risk industry and a small commercial space. It still fits Heffernan, which uses the SBA definition of fewer than 500 employees or under $7 million in receipts. Both are brokers, not insurers. Choose TechInsurance if you're small and low-risk; choose Heffernan if you've outgrown those limits or work in a niche industry. [4] [1]

Price and Coverage You Can See Upfront

TechInsurance reports a median of about $990 a year and spells out its BOP: copyright infringement, defamation and product liability are in; cyberattacks, vehicles and, without an endorsement, natural-disaster property damage are out. Heffernan publishes no premiums, limits or coverage list for its BOP, so you compare only once a quote arrives. [4] [1]

Speed Versus Custom Work

TechInsurance takes one online application, and the company says you typically get a certificate the same day you buy. Heffernan will research a custom package if your industry isn't on its list, which takes longer. [4] [1]

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

  • Ask both which insurer issues the policy. [4] [1]
  • Treat TechInsurance's $83 median as its own average, not your rate. [4]
  • If you're in a flood, quake or storm area, ask TechInsurance what the natural-disaster endorsement costs. [4]
  • Ask Heffernan for limits and exclusions in writing. [1]

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 ↗

TechInsurance

  • role: TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. Business owner's policy product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a BOP. Business owner's policy product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. Business owner's policy product page; general policy description, not a specific policy form.company-reportedSource ↗
  • eligibility: TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. Business owner's policy product page, Eligibility requirements for a BOP section.company-reportedSource ↗
  • limits: TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
  • application: You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. Business owner's policy product page.company-reportedSource ↗

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

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