---
title: "At-Bay vs Heffernan Insurance Brokers Insurance"
description: "Compare a technology policy and security program with Heffernan’s broader brokerage and retained-risk services for growing businesses."
canonical: "https://spot.insure/compare/at-bay-vs-heffernan"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "At-Bay", "Heffernan Insurance Brokers"]
---

[Human-readable page](https://spot.insure/compare/at-bay-vs-heffernan)

# At-Bay vs Heffernan Insurance Brokers Insurance

Compare a technology policy and security program with Heffernan’s broader brokerage and retained-risk services for growing businesses.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Heffernan Insurance Brokers against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

At-Bay offers specialist cyber and technology liability with security services. Heffernan offers business insurance brokerage, including technology-sector support and alternative-risk approaches for suitable accounts. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance")



## Introduction

A company with a larger workforce and operating footprint may want to reconsider deductibles, retained risk and claims administration alongside cyber coverage. Heffernan describes broad business brokerage and alternative-risk approaches. At-Bay offers specialist technology insurance and security services. The useful question is whether the project concerns one policy or the structure of the company’s wider program. [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [7](https://www.at-bay.com/stance/ "At-Bay Stance")

## Documented Provider Strengths

### At-Bay

- Tech E&O combines professional liability and cyber protection. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.)
- Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

### Heffernan Insurance Brokers

- The technology practice markets brokerage to mid- and late-stage companies, including VC-funded, pre-IPO, and globally expanding firms. [14](https://www.heffins.com/ "Heffernan Insurance Brokers") [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [15](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.)
- Heffernan describes full-service claims consulting, including workers’ compensation carrier liaison and medical triage. [23](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [29](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Company descriptions of advocacy and a specialty cargo claims unit. Speed, “$1 billion managed,” and “up to 75% faster” figures are not adopted as verified performance.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | At-Bay | Heffernan Insurance Brokers |
| --- | --- | --- |
| Builders risk | Not listed | Listed [28](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") |
| Business owner’s policy | Not listed | Listed [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") |
| Cargo and transit | Not listed | Listed [29](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [30](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") |
| Commercial auto | Not listed | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Commercial property | Not listed | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Crime | Not listed | Listed [32](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") |
| Cyber liability | Listed [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [22](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") |
| Directors and officers | Not listed | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Employee health and benefits | Not listed | Listed [24](https://www.heffins.com/employee-benefits/ "Health Insurance services") |
| Employment practices liability | Not listed | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Fidelity bonds | Not listed | Listed [32](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") |
| Fiduciary liability | Not listed | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| General liability | Not listed | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") |
| Hired and non-owned auto | Not listed | Listed [32](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") |
| Kidnap and ransom | Not listed | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Last-mile delivery | Not listed | Listed [30](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") |
| Management liability | Not listed | Listed [30](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") |
| Medical malpractice | Not listed | Listed [31](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") |
| Professional liability / E&O | Listed [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") |
| Representations and warranties | Not listed | Listed [33](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") |
| Surety bonds | Not listed | Listed [29](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [26](https://www.heffins.com/quick-insure/ "Quick Insure") |
| Technology errors and omissions | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Not listed |
| Trucking | Not listed | Listed [30](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") |
| Umbrella and excess liability | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [30](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") |
| Workers’ compensation | Not listed | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between at-Bay and Heffernan

### Retaining Risk Requires a Different Engagement

Heffernan’s alternative-risk descriptions include self-insured and captive approaches for suitable businesses. Those are not automatic options for every startup or substitutes for an offered cyber form. Ask the adviser to explain the eligibility, retained exposure and service requirements before comparing such a structure with a conventional specialist policy. [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance")

### Identify the Appropriate Service Channel

Heffernan’s technology materials emphasize mid- and later-stage companies, while its small-business division is a separate route. A bootstrapped team should confirm which team will handle it and what services are included. At-Bay’s technology underwriting and broker platform introduce a different set of product-level eligibility and submission questions. [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform")

### Claims Consulting Is Broader Than Cyber Incident Response

Heffernan describes claims consulting across workplace and other business losses, including carrier liaison and medical triage for workers’ compensation. At-Bay describes cyber incident coordination. These are different service scopes, not evidence of superior claims payment. Agree on who will handle an incident involving both operational injury and a technology failure. [23](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [8](https://www.at-bay.com/claims/ "Claims Handling")

## What to Confirm in Quotes

Ask for the actual technology form, proposed insurers, California acceptance and a service agreement separating placement, loss control and claims work. Heffernan’s reviewed public materials do not establish a standard commercial fee schedule or named technology panel; obtain both for the account. [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [25](https://www.heffins.com/contact-us/ "Contact Us") [22](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")



## Service Comparison

At-Bay vs Heffernan Insurance Brokers Insurance: documented services and availability.

| Criteria | At-Bay | Heffernan Insurance Brokers |
| --- | --- | --- |
| Business role | At-Bay offers cyber, technology errors and omissions (Tech E&O), and miscellaneous professional liability insurance. Its disclosed producer, At-Bay Insurance Services LLC, is a property and casualty agency and surplus lines broker; its website says coverage is underwritten by non-admitted insurers. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: US brand and disclosed producer; company statements, not regulatory verification.; verified: 2026-09-16.) | Heffernan describes itself as an insurance broker and risk manager that shops markets, presents options, and places coverage with insurance carriers. It is not identified in the reviewed pages as the insurer that issues or pays claims on a buyer’s policy. Privacy language says it may share underwriting information with non-affiliated parties to solicit quotations from insurance carriers. [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [22](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [18](https://www.heffins.com/privacy-statement/ "Privacy Statement") [14](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Company-reported; scope: Company-described broking role. Do not infer underwriting authority for all products from the marine-cargo program’s in-house authority language.; verified: 2026-09-16.)<br><br>Public pages and a 26 August 2026 company release use the name Heffernan Insurance Brokers and display California license number 0564249. They identify F. Michael Heffernan as President and CEO. The reviewed official pages do not print a longer corporate legal name such as an “Inc.” suffix. Confirm the contracting producer name on the engagement agreement and policy. [14](https://www.heffins.com/ "Heffernan Insurance Brokers") [37](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html "Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.") [15](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Brand and license-number display only. Not independent license verification or a complete legal-entity chart.; verified: 2026-09-16.)<br><br>Heffernan’s current site says it has been independent and employee-owned since 1988. A 2019 SkyKnight Capital announcement described a minority investment that recapitalized Heffernan’s ESOP while management said the firm would retain a culture of employee ownership. Current ownership percentages were not disclosed in the 2026 pages reviewed. [14](https://www.heffins.com/ "Heffernan Insurance Brokers") [15](https://www.heffins.com/about-us/our-story/ "Our Story") [38](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth "SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth") (Evidence: Company-reported; scope: Company and investor announcements. Not a current cap-table verification.; verified: 2026-09-16.)<br><br>Heffernan Network Insurance Brokers is described as a wholly owned subsidiary, formerly OLI Insurance Services, that acquires or partners with independent agencies. Costero Brokers Ltd. appears as Heffernan’s London location listing. Heffernan Benefit Advisors is the name used on the employee-benefits page. These related names do not by themselves identify the producer or insurer on a California technology policy. [34](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/ "Heffernan Network Insurance Brokers") [35](https://www.heffins.com/about-us/locations/costero-brokers-ltd/ "London, UK – Costero Brokers") [24](https://www.heffins.com/employee-benefits/ "Health Insurance services") [16](https://www.heffins.com/about-us/locations/ "Our Locations") (Evidence: Company-reported; scope: Official related-entity descriptions. Costero’s FCA status and Heffernan’s exact current ownership of Costero were not independently verified in this draft.; verified: 2026-09-16.) |
| Customer focus | At-Bay markets Tech E&O to technology businesses. Its current product page states primary and excess appetite up to $5 billion in revenue and $10 million in limits; the broker-platform route has lower published ceilings of $100 million in revenue and $3 million in limits. These are appetite ceilings, not guaranteed offers. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Current product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.; verified: 2026-09-16.)<br><br>A September 2023 Tech E&O appetite PDF still accessible on At-Bay’s site has lower revenue and limit ceilings than the current product page and lists restricted classes including autonomous AI. It should not be treated as current eligibility guidance; ask underwriting for the applicable appetite version. [12](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Legacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved.; verified: 2026-09-16.) | Heffernan Insurance Brokers is an independent retail brokerage that arranges business insurance, personal insurance, employee benefits, and financial-services products. Its technology practice says it specializes in mid- to late-stage technology companies, including venture-funded startups, pre-IPO companies, and firms using enterprise risk or self-insurance strategies. A separate small-business division describes serving sole proprietors through fast-growing companies, including technology businesses. [14](https://www.heffins.com/ "Heffernan Insurance Brokers") [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [15](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.) |
| Servicing and renewals | At-Bay Stance offers vulnerability monitoring, fraud defense, employee security training and access to cyber advisors. Access is tied to the policy’s Embedded Security Fee and Endorsement; optional managed detection and response (MDR) is a separate purchase from At-Bay Security, LLC. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)<br><br>At-Bay markets Stance MDR for endpoints and email, plus managed extended detection and response (MXDR) spanning endpoint, email, identity and cloud. It says MDR is optional for insurance and available beyond its policyholders. Coverage enhancements and premium credits have qualifying conditions. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Security services, not additional insurance coverage lines; comparable approved solutions may also qualify.; verified: 2026-09-16.)<br><br>At-Bay describes broker dashboard access to active policies and renewals, with rapid and manual renewal paths. Its platform page says rapid renewals bind automatically 15 days before expiry; buyers should confirm enrollment, terms and change deadlines with their broker. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: Company-described workflow; no promise of unchanged renewal price or terms.; verified: 2026-09-16.) | Heffernan says clients get claims services, loss control, HR consulting, and risk-management support alongside insurance placement. Its modern-brokerage page describes digital access to documents, program details, and service-activity status, plus tools such as TrustLayer for insurance verification. These are company-described servicing features. [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [36](https://www.heffins.com/about-us/modern-brokerage-solutions/ "Modern Brokerage Solutions") [23](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Company-reported; scope: Official feature descriptions only; no authenticated client account or measured service levels.; verified: 2026-09-16.) |
| Claims assistance | At-Bay describes an in-house claims team that coordinates with a breach coach and response partners after a cyber incident. Its claims page provides incident reporting routes, and Response & Recovery is integrated with the claims process. This establishes a described support process, not claims payment or service quality. [8](https://www.at-bay.com/claims/ "Claims Handling") [9](https://www.at-bay.com/security/response-recovery/ "Response & Recovery") (Evidence: Company-reported; scope: Cyber incident process; confirm policy-specific notice obligations and consent requirements, including non-cyber E&O claims.; verified: 2026-09-16.) | Heffernan describes full-service claims consulting from intake through resolution, including workers’ compensation strategy, carrier liaison, and experience-mod analysis; 24/7 medical triage; and advocacy on general liability, auto, and property claims, including litigation support. The marine-cargo program separately describes a claims division with authority to adjust, settle, and issue payments on that program. These statements document claimed assistance. They do not establish that a claim will be paid or that reported speed or savings figures are independently verified. [23](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [29](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Company descriptions of advocacy and a specialty cargo claims unit. Speed, “$1 billion managed,” and “up to 75% faster” figures are not adopted as verified performance.; verified: 2026-09-16.) |

## Related Reading

- [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay)
- [What Is Heffernan Insurance Brokers?](https://spot.insure/insurance-providers/heffernan)

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- [Heffernan Insurance Brokers vs StartupInsurance.ai](https://spot.insure/compare/heffernan-vs-startupinsurance)
- [Heffernan vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance)
- [Heffernan vs The Hartford](https://spot.insure/compare/heffernan-vs-the-hartford)
- [Heffernan vs Travelers](https://spot.insure/compare/heffernan-vs-travelers)
- [Heffernan vs USI](https://spot.insure/compare/heffernan-vs-usi)
- [Heffernan vs Vouch](https://spot.insure/compare/heffernan-vs-vouch)
- [Heffernan vs WithCoverage](https://spot.insure/compare/heffernan-vs-withcoverage)

## Sources

### [At-Bay Official Website](https://www.at-bay.com/)

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
4. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
6. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
7. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
9. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
10. [Terms of Service](https://www.at-bay.com/terms-of-service/). At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
11. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
12. [At-Bay Surplus Tech E&O Appetite Guide](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
13. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

### [Heffernan Insurance Brokers Official Website](https://www.heffins.com)

14. [Heffernan Insurance Brokers](https://www.heffins.com/). Heffernan Insurance Brokers; What we offer; Independent since 1988; Built for what’s next; footer copyright and License #0564249; Quick Insure; Get a quote; Propeller bond-portal disclaimer. Accessed 2026-09-16.
15. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
16. [Our Locations](https://www.heffins.com/about-us/locations/). Heffernan Insurance Brokers; Nationwide coverage heading; Walnut Creek corporate headquarters; Bay Area and other California offices; Pacific Northwest, Mountain West, Northeast, Southeast, Honolulu; London Costero listing; footer License #0564249. Accessed 2026-09-16.
17. [Walnut Creek](https://www.heffins.com/about-us/locations/walnut-creek/). Heffernan Insurance Brokers; Corporate headquarters; founded 1988 in Walnut Creek. Accessed 2026-09-16.
18. [Privacy Statement](https://www.heffins.com/privacy-statement/). Heffernan Insurance Brokers; Collection for professional services; disclosure to non-affiliated third parties to solicit quotations from insurance carriers; website content developed in the United States and intended for U.S. users except where otherwise specified. Accessed 2026-09-16.
19. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Basic coverages list; corporate and executive protection list; alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
20. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). 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 treated as educational, not a product catalogue.. Accessed 2026-09-16.
21. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Sole proprietors to fast-growing companies; types of coverage we can provide; industry list including Technology. Accessed 2026-09-16.
22. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Cyber risk team that determines exposure, shops the market, presents options, and guides coverage selection. FAQ cost ranges treated as educational, not a price schedule.. Accessed 2026-09-16.
23. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Full-service claims consulting; workers’ compensation strategy and carrier liaison; medical triage; general liability, auto and property advocacy; vendor compliance tools. Outcome and speed claims are company-reported.. Accessed 2026-09-16.
24. [Health Insurance services](https://www.heffins.com/employee-benefits/). Heffernan Insurance Brokers; Heffernan Benefit Advisors; large and small group employee benefits, dental, vision, life and disability, voluntary benefits, Medicare; Administration and Advocacy. Accessed 2026-09-16.
25. [Contact Us](https://www.heffins.com/contact-us/). Heffernan Insurance Brokers; Unsubmitted Contact Form 7: First Name, Last Name, Email, Phone, Insurance Needed, Description of Operations; Select Need A Quote / Other / Would like to speak with someone; Submit. No premium displayed.. Accessed 2026-09-16.
26. [Quick Insure](https://www.heffins.com/quick-insure/). Heffernan Insurance Brokers; Fast quotes for personal and business insurance; business tiles including Short Term General Liability, Surety, Special Event Insurance, Peer-to-Peer Car Rental; Trusted Providers copy without named carriers. Accessed 2026-09-16.
27. [Short-Term General Liability](https://www.heffins.com/short-term-general-liability/). Heffernan Insurance Brokers; Partnership with Thimble Insurance Services for on-demand general liability; eligibility, pricing and coverage may vary by state; non-binding indication disclaimer. Accessed 2026-09-16.
28. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). Heffernan Insurance Brokers; We offer customized builders risk coverage; contractor sectors served. FAQ cost percentages treated as educational.. Accessed 2026-09-16.
29. [Marine Cargo](https://www.heffins.com/business-insurance/marine-cargo/). Heffernan Insurance Brokers; Coverage options including marine cargo, E&O and surety bonds; in-house underwriting authority; exclusive access to major insurance carriers (unnamed); dedicated claims division with settlement authority. Accessed 2026-09-16.
30. [Transportation Insurance](https://www.heffins.com/business-insurance/transportation/). Heffernan Insurance Brokers; Appointed with top transportation carriers (unnamed); trucking and final mile delivery subsectors; exclusive and sponsored products including auto liability, motor truck cargo, umbrella, workers’ compensation, cyber and management liability. Accessed 2026-09-16.
31. [Healthcare Insurance for Health Care Services](https://www.heffins.com/business-insurance/health-care/). Heffernan Insurance Brokers; Medical Malpractice listed among healthcare services; relationships with the nation’s top insurance carriers (unnamed); captives and self-insurance options. Accessed 2026-09-16.
32. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for list including workers’ compensation, general and professional liability, EPL, owned auto, non-owned and hired auto, crime, employee dishonesty bond, cyber, medical billing E&O, and property. “Covering all states” is company-reported, not a verified eligibility schedule.. Accessed 2026-09-16.
33. [Private Equity and M&A](https://www.heffins.com/business-insurance/private-equity-and-ma/). Heffernan Insurance Brokers; Representation & Warranty (RWI) Insurance; transactional risk list including contingent, environmental, tax and litigation buyout; HIB Private Equity and M&A Practice. Accessed 2026-09-16.
34. [Heffernan Network Insurance Brokers](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/). Heffernan Insurance Brokers; Formerly OLI Insurance Services; wholly owned subsidiary; agency acquisition and perpetuation; exclusive carrier access described for partner agencies. Accessed 2026-09-16.
35. [London, UK – Costero Brokers](https://www.heffins.com/about-us/locations/costero-brokers-ltd/). Heffernan Insurance Brokers; Costero Brokers Ltd. London office listing; full-service London brokerage; link to costerobrokers.com. Accessed 2026-09-16.
36. [Modern Brokerage Solutions](https://www.heffins.com/about-us/modern-brokerage-solutions/). Heffernan Insurance Brokers; Independent brokerage; digital document access and service activity status; TrustLayer and Quick Insure mentions; AI workflow claims for claims administration. Outcome claims are company-reported.. Accessed 2026-09-16.
37. [Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html). Heffernan Insurance Brokers via PR Newswire; 26 August 2026 release; Walnut Creek; independent brokerage; F. Michael Heffernan, President and CEO; License #0564249 in about block. Accessed 2026-09-16.
38. [SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth). InsuranceNewsNet reprint of SkyKnight Capital BusinessWire; 22 July 2019 announcement; minority investment; ESOP recapitalization; Mike Heffernan quote on retaining employee ownership. Historical ownership event; current cap table not independently verified.. Accessed 2026-09-16.
39. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Search form inspected 16 September 2026; no license-number query submitted; page showed empty search results (“No data”). No status or legal-name conclusion drawn from the empty form.. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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