Heffernan vs Travelers: Business Owner’s Policy

Heffernan Insurance Brokers arranges BOPs for small companies in many industries, with custom packages; Travelers' BOP is for small technology-services firms and directs buyers to an independent agent.

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 Travelers Business Owner’s Policy?

Your Industry Decides This One

Travelers' list is narrow: computer repair, data processing, internet service, IT consulting and training, software, web design and web hosting. A restaurant, contractor or clinic doesn't fit it. Heffernan's small-business division covers far more ground and says it will research a custom package if your niche isn't listed. Choose Travelers if you're a small tech-services firm that wants cyber and E&O inside one policy; choose Heffernan if you're outside tech, or you're a tech company that wants a broker comparing options. [4] [1]

What's Inside the Policy

Travelers' package adds business income and extra expense to property and liability, and it offers the Xtend Endorsement, Employment Practices Liability+ and World Business Essentials as options. Heffernan describes a property-and-liability package and doesn't list cyber or E&O as part of it. For a tech firm, Travelers is the stronger bundle. With Heffernan, expect to buy cyber and E&O separately. Travelers has no self-service online quote on this page, so you'll wait on an agent either way. [4] [1]

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

  • Ask both which insurer issues the policy; neither page names it. [4] [1]
  • Ask your agent whether Travelers classes your work as one of its listed tech occupations. [4]
  • Ask Heffernan whether cyber and E&O would be separate policies, and what they add to the premium. [1]
  • Check which Travelers add-ons actually appear on your quote. [4]

Travelers' Technology Services BOP includes cyber and errors and omissions, but only listed tech occupations qualify and you buy through an independent agent. Heffernan places BOPs for SBA-size firms across construction, food, health care, hospitality, real estate, technology and transportation.

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
    Small Business Technology Services Insurance

    Travelers · Technology services business owner's policy (BOP) section; Who is small business technology services insurance right for?; Customize your business policy with these add-ons; Find an insurance agent CTA · accessed 2026-09-23

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 ↗

Travelers

  • role: Travelers packages this line as a Technology Services Business Owner's Policy (BOP) that bundles property insurance with liability insurance into a single policy for small technology-services businesses. Small Business Technology Services Insurance page as read on 2026-09-23.company-reportedSource ↗
  • eligibility: Travelers markets this BOP to small businesses providing technology services, including computer installation and repair, data processing services, internet service providers, IT consultants and schools, software development, web development and design, and web hosting. "Who is small business technology services insurance right for?" section.company-reportedSource ↗
  • coverage: Travelers says the Technology Services BOP includes property coverage, general liability, business income and extra expense coverage, and cyber liability and errors & omissions coverage, bundled into one policy. BOP description on the Small Business Technology Services Insurance page.company-reportedSource ↗
  • coverage: Travelers offers optional add-ons for this BOP: the Xtend Endorsement, which it describes as 15 general liability coverage enhancements including a blanket waiver of subrogation; Employment Practices Liability+ (EPL+) for claims like discrimination or wrongful termination; and World Business Essentials, which extends some property and liability coverage for periodic overseas travel. "Customize your business policy with these add-ons" section.company-reportedSource ↗
  • application: Travelers directs buyers to an independent insurance agent to tailor and purchase this BOP; the page does not offer a direct self-service online quote or bind path. "Find an insurance agent" call-to-action on the technology-services page.company-reportedSource ↗
  • insurer: The Small Business Technology Services Insurance page does not name the specific Travelers entity that issues this BOP; the issuing company is disclosed on the policy itself. Page checked on 2026-09-23; no underwriting-entity footer was present on this page.not-foundSource ↗
  • limits: The page does not publish specific coverage limits, deductibles or sublimits for the Technology Services BOP or its add-ons; those figures appear on the quote and declarations. Page checked on 2026-09-23.not-foundSource ↗

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

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