Aon vs Heffernan Insurance Brokers: How Do They Compare for Workers’ Compensation Insurance?

Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For workers’ compensation, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. ³Company-reported. Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.

Heffernan lists workers' compensation among the basic coverages it places for business clients, and runs a separate claims-consulting division that works alongside the issuing carrier rather than underwriting the policy itself. ^6,9Company-reported. Business Insurance Brokerage and Claims Advocacy pages as read on 2026-09-23.

The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. ³Not found in reviewed sources. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.

The reviewed pages do not name a specific insurer for Heffernan-placed workers' compensation policies; the healthcare and transportation practice pages instead describe relationships with 'the nation's top' or 'top transportation' carriers generically. ^6,8Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23.

Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. ³Company-reported. Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement.

Heffernan places workers' compensation for businesses of all sizes across its small-business, healthcare, home care, and transportation practices, among others. ^7,8Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; not an exhaustive eligibility schedule.

Aon lists Workers’ Compensation Insurance among the construction coverage areas it brokers. The page does not describe state-specific statutory benefits, employer-liability terms or how a buyer’s policy responds. ³Company-reported. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.

Heffernan describes workers' compensation as covering injuries to employees while on the job, and says the cost has the greatest financial impact on a home care agency's expenses among the coverages in that package. ^7,8Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; the reviewed pages do not describe statutory limits or state-specific benefit schedules.

The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. ³Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.

The reviewed pages do not publish premium ranges or experience-modification benchmarks for workers' compensation. ^6,7Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23.

Aon describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. ³Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.

Heffernan's Claims Advocacy division offers workers'-compensation-specific services including a customized claims strategy, direct carrier liaison, experience-mod analysis to identify cost-reduction opportunities, and 24/7 telephonic or onsite medical triage with telemedicine options. ^9,8Company-reported. Claims Advocacy page as read on 2026-09-23; separately, home care insurance specialists are described as advising on workers'-comp coverage and premium for that program.

Confirm in your quote.

Heffernan says its claims consulting division has more than 25 years of experience, has managed over $1 billion in claims, and reduces claim processing time by up to 75% through its proactive and telephonic-triage approach; these are company-reported performance figures, not independently verified. ⁹Company-reported. Claims Advocacy page as read on 2026-09-23; figures are Heffernan's own marketing statistics, described here as company-reported rather than adopted as verified performance.