CFC vs Heffernan Insurance Brokers: How Do They Compare for Professional Liability (E&O) Insurance?

Heffernan Insurance Brokers' small-business division shops E&O with insurers for sole proprietors through fast-growing companies, and will custom-design a package for unlisted industries. CFC sells a package policy with E&O limits up to $10 million.

Heffernan says it can custom-design packages for industries outside its list; CFC publishes E&O limits up to $10 million and named favored and declined professions. ^4,^1,²

What Are the Key Differences Between CFC and Heffernan Insurance Brokers Professional Liability (E&O) Insurance?

If Your Industry Is Not Listed

Heffernan says its small-business division can custom-design a package for industries outside its listed sectors, including construction, health care, hospitality, nonprofits, real estate and technology. CFC instead publishes favored and declined professions; it ordinarily declines lawyers, insurance agents and financial advisors. If your work is outside CFC’s list, Heffernan describes a custom route. ⁴ ²

Published E&O Terms

CFC publishes an E&O maximum of $10 million and a minimum-premium range. Heffernan’s page lists E&O among its coverages but does not publish limits or prices. CFC gives you figures to use in an initial screen; request actual quote terms from either provider. ² ⁴

How You Apply

Heffernan directs small-business buyers to contact its division to request a quote and build a package. CFC provides a dedicated application and offers digital trading through Connect and API partners. Ask what records each needs and who will handle your submission. ⁴ ¹

What Should You Confirm in CFC and Heffernan Insurance Brokers Professional Liability (E&O) Insurance Quotes?

Ask Heffernan what coverage and exclusions its custom package would include. ⁴
Check CFC’s favored and declined lists and request the limit available to your business. ²
Ask both which carrier will issue your policy and compare actual price and retention. ⁴ ¹
Confirm CFC’s add-on costs if you need general liability, property or cyber. ²

CFC vs Heffernan Insurance Brokers Professional Liability (E&O) Compared

CFC vs Heffernan Insurance Brokers: Professional Liability (E&O) Insurance: documented features by provider

Criteria	CFC Professional Services	Heffernan Professional Errors and Omissions Brokerage
Who It’s For	CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.	Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. ⁴Company-reported. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage.
How to Apply	CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. ¹Company-reported. Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole.	Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. ⁴Company-reported. Small Business Insurance page as read on 2026-09-23.
Coverage Features	CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. ²Company-reported. Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued. Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. ²Company-reported. Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting.	Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. ⁴Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.
Role in This Line	CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. ^1,²Company-reported. Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure.	Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. ⁴Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.