Chubb vs 
Heffernan Insurance Brokers Business Owner’s Policy
Chubb directly underwrites a BOP with a published revenue screen; Heffernan brokers BOP placements for small businesses and researches unlisted niches.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
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. 7,8,9
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 11
Key Differences in Business Owner’s Policy
Underwriter and Broker Roles
Chubb says it underwrites its BOP directly as a property-and-liability package. Heffernan's small-business division arranges BOP coverage with insurance carriers and does not identify the writing company on the reviewed page. The roles affect who should appear as insurer and producer on a quote, not whether one package is suitable for every business. 4 10
Different Size Screens
Chubb cites up to $30 million in revenue and more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. Heffernan uses the SBA definition of fewer than 500 employees or less than $7 million in annual receipts and lists sectors from construction and food to healthcare, hospitality, real estate, technology and transportation. These are different published eligibility descriptions, not a guarantee of acceptance or equivalent underwriting. 4 10
Enhancements Versus Custom Packaging
Chubb lists optional BOP enhancements including privacy and data breach, EPL, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime coverage, plus a Total Account Solution for other Chubb lines. Heffernan says it will research and build a package for an industry or niche not listed, without naming equivalent enhancements on the small-business page. 4 10
What to Confirm in Business Owner’s Policy Quotes
- If your receipts exceed Heffernan's published $7 million SBA reference, ask how it would place the account and compare that answer with Chubb's $30 million revenue screen. 10 4
- Ask Heffernan which insurer would issue the BOP and ask Chubb which entity appears on the policy documents. 10 4
- Ask Chubb which enhancements are available for the state, industry and account, and ask Heffernan what endorsements its placement includes. 4 10
- Compare limits, deductibles, sublimits, exclusions and fees; neither page publishes standard policy terms for an account-specific quote. 4 10
Offering Details
Chubb vs Heffernan Insurance Brokers Business Owner’s Policy: documented features by provider
| Criteria | Chubb Business Owner's Policy (BOP) Insurance | Heffernan Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. 4Company-reported. Chubb BOP product page; describes Chubb's own packaged small-business offering. | 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. 10Company-reported. Small Business Insurance page description of the division and its BOP offering. |
| Issuing Insurer | Not described in the reviewed sources. | The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. 10Not 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 | Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. 4Company-reported. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting. | 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. 10Company-reported. Small Business Insurance page's eligibility and industry-list sections. |
| Coverage Features | Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. 4Company-reported. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state. | 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. 10Company-reported. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there. |
| Limits and Retentions | The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. 4Not found in reviewed sources. Chubb BOP product page 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. 10Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. |
| Risk Services | Chubb markets a 'Total Account Solution' that lets a BOP holder add umbrella, workers' compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM coverage from the same carrier. 4Company-reported. Chubb BOP product page; each added line is underwritten and priced separately. | 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. 10Company-reported. Small Business Insurance page description of the division's approach. |
| How to Apply | You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. 4Company-reported. Chubb BOP product page call-to-action sections for business owners and for agents and brokers. | Not described in the reviewed sources. |
| Claims Support | Chubb reports 24/7 claims reporting and a dedicated Small Commercial claims email address, and says 93% of policyholders with a paid claim from 2022-2025 were highly satisfied with their claim experience. 6,5Company-reported. Claims and report-a-claim pages describe claims handling across Chubb's commercial book generally, not exclusively for BOP; the satisfaction figure is a company-reported survey result. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs Heffernan Insurance Brokers Comparisons
Other Business Owner’s Policy Comparisons
Sources
Chubb
- Insurance for Technology Companies. Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses. Accessed 2026-09-23.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Business Owner's Policy (BOP) Insurance. Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM. Accessed 2026-09-23.
- Report a Claim. Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23.
- Claims. Chubb; 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey. 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.
