---
title: "Chubb vs Heffernan Insurance Brokers: Business Owner’s Policy"
description: "Chubb sells its own BOP to businesses with up to $30 million in revenue across more than 500 classes. Heffernan is a broker for SBA-size small businesses that will research a package if your industry isn’t on its list."
canonical: "https://spot.insure/compare/chubb-vs-heffernan/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-heffernan"
provider-a: "chubb"
provider-b: "heffernan"
coverage-line: "business-owners-policy"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-heffernan/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of Chubb and Heffernan Insurance Brokers for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Chubb versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs Heffernan Insurance Brokers for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Chubb or Heffernan Insurance Brokers?
- What does Chubb or Heffernan Insurance Brokers publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Chubb and Heffernan Insurance Brokers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Chubb vs Heffernan Insurance Brokers](https://spot.insure/compare/chubb-vs-heffernan) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# Chubb vs Heffernan Insurance Brokers: How Do They Compare for Business Owner’s Policy?

Chubb underwrites its BOP directly for small businesses up to $30 million in revenue; Heffernan Insurance Brokers arranges a BOP for small and growing companies and will research a custom package for an industry it doesn't list.

Chubb writes its own BOP for businesses up to $30 million in revenue with a long list of add-ons, while Heffernan brokers BOPs for SBA-size small businesses and builds packages for unlisted niches.

## Chubb vs Heffernan Insurance Brokers Business Owner’s Policy Summary

Chubb sells its own BOP to businesses with up to $30 million in revenue across more than 500 classes. Heffernan is a broker for SBA-size small businesses that will research a package if your industry isn’t on its list. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## What Are the Key Differences Between Chubb and Heffernan Insurance Brokers Business Owner’s Policy?

### Which One Fits Your Size and Industry

Heffernan uses the SBA test: fewer than 500 employees or under $7 million in annual receipts, across sectors from construction and food to hospitality, real estate and transportation. Chubb goes higher, to $30 million in revenue, and names technology, healthcare, retail, manufacturing and financial services. A $15 million manufacturer is past Heffernan’s published range but inside Chubb’s. Choose Chubb if you’re above $7 million in receipts or want the insurer itself; choose Heffernan if you’re smaller or in a niche Chubb doesn’t name. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### Who You Deal With

Chubb underwrites the BOP itself, so the company quoting you is the one paying claims. Heffernan places your BOP with carriers and doesn’t say which ones, so you’ll learn the insurer only when the quote arrives. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### Add-Ons You Can Get

Chubb publishes the longer menu: privacy and data breach, EPL, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime, plus a Total Account Solution to bundle other Chubb lines. Heffernan names no equivalent add-ons; it offers to research and build a package instead. If you need a specific add-on, Chubb shows it up front. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## What Should You Confirm in Chubb and Heffernan Insurance Brokers Business Owner’s Policy Quotes?

- If your receipts exceed $7 million, ask Heffernan how it would place you. [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Ask Heffernan which insurer issues the policy. [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Ask Chubb which add-ons are available in your state and industry. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Ask Heffernan which endorsements its placement includes. [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Compare limits, deductibles, sublimits, exclusions and fees side by side. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## Chubb vs Heffernan Insurance Brokers Business Owner’s Policy Compared

| Criteria | Chubb Business Owner's Policy (BOP) Insurance | Heffernan Business Owner's Policy (BOP) |
| --- | --- | --- |
| 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there..) |
| 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page description of the division and its BOP offering..) |
| 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page description of the division's approach..) |

## About Chubb and Heffernan Insurance Brokers

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy)

## Related Pages for Chubb vs Heffernan Insurance Brokers

- [Chubb vs Heffernan Insurance Brokers](https://spot.insure/compare/chubb-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [Chubb Business Owner’s Policy](https://spot.insure/insurance-providers/chubb/business-owners-policy)
- [Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/insurance-providers/heffernan/business-owners-policy)

## Sources for Chubb vs Heffernan Insurance Brokers

### Sources About Chubb

1. [Business Owner's Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). 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.
2. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). 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.
3. [Report a Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23.
4. [Claims](https://www.chubb.com/us-en/claims.html). 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.

### Sources About Heffernan Insurance Brokers

5. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). 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.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/chubb-vs-heffernan/business-owners-policy.md)
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