Heffernan vs The Hartford: Business Owner’s Policy

Heffernan Insurance Brokers builds custom BOP packages for small companies and describes itself as not the insurer; The Hartford reports its customers paid an average of $1,687 a year for a BOP and offers an online quote.

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 The Hartford Business Owner’s Policy?

One Insurer or a Broker's Search

With The Hartford, the company that sells you the BOP is the one that pays claims. Heffernan's small-business division arranges the policy with an insurer it doesn't name, spanning construction, food, health care, hospitality, real estate, technology and transportation. The Hartford pitches its BOP to any business with a physical location, lawsuit exposure or assets that could be stolen or damaged. Choose The Hartford if you're a conventional small business that wants a known price benchmark; choose Heffernan if your niche is unusual enough that you need someone to hunt for an insurer. [4] [1]

How Much of the Policy You Can See

The Hartford's BOP combines commercial property, general liability and business income, and lists add-ons: workers' compensation, professional liability, commercial auto, data breach, and income lost when an off-site utility fails. Its $1,687 average is about $141 a month. Heffernan only says it bundles major property and liability risks and publishes no premium, limits or deductibles, so you're comparing blind until it returns a quote. [4] [1]

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

  • Ask The Hartford which of its insurance companies issues your policy. [5]
  • Ask Heffernan which insurer it placed you with and whether business income is included. [1]
  • Ask The Hartford to price only the add-ons you need. [4]
  • Treat $1,687 as an average across customers, not your premium. [4]

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 ↗

The Hartford

  • role: The Hartford's BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy, rather than requiring three separate policies. BOP product page as read 2026-09-23.company-reportedSource ↗
  • coverage: The Hartford says a BOP does not itself include workers' compensation, professional liability, commercial auto or data breach coverage, but these can be added on top of the base policy, along with off-premises utility business-income coverage. BOP product page as read 2026-09-23.company-reportedSource ↗
  • eligibility: The Hartford says a BOP fits a business that has a physical location, faces a possibility of being sued, or has assets that could be stolen or damaged, and can be customized for specific industries. BOP product page as read 2026-09-23.company-reportedSource ↗
  • limits: The Hartford reports its customers paid an average of $1,687 a year (about $141 a month) for a BOP; the page does not publish standard coverage limits or deductibles, since actual limits are set at quote or issue. Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business.company-reportedSource ↗
  • application: The Hartford offers an online quote flow for a BOP, described as customizable by adding coverages; buyers can also call a listed phone number to start a quote. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.company-reportedSource ↗
  • insurer: The BOP page does not name which Hartford property-and-casualty subsidiary would issue a given buyer's policy; the Legal Notice says coverages may be offered by one or more of several listed subsidiaries depending on product and jurisdiction. BOP page and Legal Notice as read 2026-09-23.not-disclosedSource ↗Source ↗

The Hartford gives you the most to go on before you call: it writes the BOP itself, lists its add-ons and reports a $1,687 average annual premium. Heffernan is a broker for firms under 500 employees or $7 million in receipts, and will research a package for a niche it doesn't list.

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

    The Hartford · What Is Business Owner's Policy Insurance?; What Is Included in a Business Owner's Policy?; Additional Coverages You Can Add; Who Needs a Business Owner's Policy?; How Much Does a BOP Cost?; BOP vs. General Liability comparison · accessed 2026-09-23

  5. 05
    Legal Notice

    The Hartford · P&C writing-company table; statement that coverages may be offered by one or more subsidiaries of The Hartford Insurance Group, Inc. · accessed 2026-09-23

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

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