Amelia Risk vs Heffernan Insurance Brokers Business Owner’s Policy

Amelia Risk lists a BOP for startup and technology clients; Heffernan places a BOP across SBA-sized small businesses.

What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. ^1,^2,³

Read the Amelia Risk profile

What Is Heffernan Insurance Brokers?

Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. ^8,^9,¹⁰

Read the Heffernan Insurance Brokers profile

What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. ¹²

Read the full coverage guide

Key Differences in Business Owner’s Policy

Two Brokers, Different Client Screens

Amelia Risk and Heffernan both arrange a BOP instead of issuing it, and neither small-business or specialty page names the writing company. Amelia Risk offers the bundled BOP to startup and technology clients specifically. Heffernan aims at firms the U.S. Small Business Administration treats as having fewer than 500 employees or less than $7 million in annual receipts, from sole proprietors at home to growing companies. ⁴ ⁵ ¹¹

What Each Page Says the Package Contains

Amelia Risk names property, general liability and hired and non-owned auto as the BOP components. Heffernan describes a BOP as a package of a company’s major property and liability risks without naming hired auto as part of that bundle. ⁴ ¹¹

Industry Lists and Custom Packaging

Amelia Risk’s CPG and consumer-product specialty lists omit a BOP and show general liability and auto as separate coverages. Heffernan lists construction, food, health care, hospitality, real estate, technology and transportation, and says its small-business division will research a package for an industry or niche not listed on the page. ⁶ ⁷ ¹¹

What to Confirm in Business Owner’s Policy Quotes

Ask Amelia Risk whether a CPG or consumer-product account would still receive a BOP or only unbundled liability and auto. ⁶
Ask Heffernan which coverages sit inside the BOP versus beside it, including hired and non-owned auto. ¹¹
Get the issuing insurer from both placements. ⁵ ¹¹
Compare limits and deductibles; neither page publishes BOP figures. ⁴ ¹¹

Offering Details

Amelia Risk vs Heffernan Insurance Brokers Business Owner’s Policy: documented features by provider

Criteria	Amelia Risk Businessowners Policy (BOP) Brokerage	Heffernan Business Owner's Policy (BOP)
Role in This Line	Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. ^4,⁵Company-reported. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies.	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. ¹¹Company-reported. Small Business Insurance page description of the division and its BOP offering.
Issuing Insurer	The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. ^4,⁵Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review.	The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. ¹¹Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.
Who It’s For	Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. ^4,^5,^6,⁷Company-reported. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment.	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. ¹¹Company-reported. Small Business Insurance page's eligibility and industry-list sections.
Coverage Features	Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. ^4,⁵Company-reported. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms.	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. ¹¹Company-reported. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there.
Limits and Retentions	Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. ^4,⁵Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23.	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. ¹¹Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23.
Risk Services	The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. ^4,^5,²Not found in reviewed sources. Startup, technology and specialties overview pages as read on 2026-09-23.	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. ¹¹Company-reported. Small Business Insurance page description of the division's approach.

Full Comparison

More Amelia Risk vs Heffernan Insurance Brokers Comparisons

Other Business Owner’s Policy Comparisons

Sources

Amelia Risk

Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
Our Specialties. Amelia Risk Insurance Brokers; Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides. Accessed 2026-09-23.
About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability. Accessed 2026-09-23.
Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed. Accessed 2026-09-23.
Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.
Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.

Heffernan Insurance Brokers

Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
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.

Business Owner’s Policy Guide

Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.