Chubb vs Heffernan Insurance Brokers Workers’ Compensation Insurance

Chubb underwrites and adjusts workers' comp claims itself, while Heffernan places the policy and runs a separate claims-consulting division alongside the issuing carrier.

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

Read the Chubb profile

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. ^5,^6,⁷

Read the Heffernan Insurance Brokers profile

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. ^11,^12,¹³

Read the full coverage guide

Key Differences in Workers’ Compensation Insurance

One Underwriter, One Broker With Its Own Claims Team

Chubb underwrites workers' compensation directly for small businesses, pairing it with a Chubb BOP for combined policy and claims service. ⁴

Heffernan lists workers' compensation among the coverages it places for clients, and runs a separate consulting division, Claims Advocacy, that works alongside whichever carrier issues the policy rather than underwriting it. ⁷ ¹⁰

Whose Claims Team Sits Behind the Policy

Chubb's own claims service includes internal nurse case managers, a return-to-work program, pharmacy benefit management and a Special Investigative Unit for suspected fraud, delivered as part of the underwritten policy. ⁴

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. ¹⁰Company-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.

Because that division is separate from the carrier, its 25-years-of-experience and claims-volume figures describe Heffernan's own consulting practice rather than any single insurer's claims department. ¹⁰

Segment Each Documents

Chubb states its policy covers businesses with as little as one employee up to $30 million in revenue across a wide range of classes, including technology. ⁴

Heffernan documents workers' compensation placements across several specialized practices instead, including small business, healthcare, home care and transportation, rather than a single published revenue ceiling. ⁸ ⁹

What to Confirm in Workers’ Compensation Insurance Quotes

Ask Heffernan which insurer would issue the policy, since the reviewed pages describe carrier relationships only in general terms. ⁷
Ask Chubb for the exact employer liability limit, since its page lists the option without a dollar figure. ⁴
Confirm whether Heffernan's Claims Advocacy services apply automatically to the placed policy or require a separate engagement. ¹⁰
Ask Heffernan for current figures behind its "25+ years" and "75% faster" claims statistics, since these are the brokerage's own reported numbers. ¹⁰
Confirm the business's industry and revenue fall inside Chubb's published eligibility range before applying. ⁴

Offering Details

Chubb vs Heffernan Insurance Brokers Workers’ Compensation Insurance: documented features by provider

Criteria	Chubb Small Business Workers' Compensation Insurance	Heffernan Workers' Compensation Brokerage and Claims Advocacy
Role in This Line	Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. ⁴Company-reported. Workers' Compensation for Small Business product page.	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. ^7,¹⁰Company-reported. Business Insurance Brokerage and Claims Advocacy pages as read on 2026-09-23.
Issuing Insurer	Not described in the reviewed sources.	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. ^7,⁹Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23.
Who It’s For	Chubb says this policy covers small businesses with as little as one employee up to $30 million in revenue, across a wide range of classes including technology. ^4,¹Company-reported. Coverage-highlights list on the small-business workers' compensation page.	Heffernan places workers' compensation for businesses of all sizes across its small-business, healthcare, home care, and transportation practices, among others. ^8,⁹Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; not an exhaustive eligibility schedule.
Coverage Features	Chubb lists coverage for medical expenses and lost wages, a waiver of subrogation option, various employer liability limits, and occasional international travel coverage available through a foreign package policy. ⁴Company-reported. Coverage-highlights list; specific options depend on the issued policy.	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. ^8,⁹Company-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.
Limits and Retentions	The reviewed page does not publish specific dollar limits for medical expense or employer liability coverage, describing employer liability limits only as "various." ⁴Not found in reviewed sources. Workers' Compensation for Small Business page as read on 2026-09-23.	The reviewed pages do not publish premium ranges or experience-modification benchmarks for workers' compensation. ^7,⁸Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23.
Risk Services	Chubb describes internal nurse case managers, a return-to-work program, pharmacy benefit management, preferred-provider network access, and a Special Investigative Unit for suspected fraud as part of its workers' compensation claims service. ⁴Company-reported. Exceptional Service section of the small-business workers' compensation page; company-described service program.	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. ^10,⁹Company-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.
How to Apply	You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. ⁴Company-reported. Small-business workers' compensation page quote call-to-action for business owners and for agents and brokers.	Not described in the reviewed sources.
Claims Support	Chubb says it commits to adjuster contact within 24 hours of receiving a lost-time claim assignment, offers simple online claims reporting, and re-prices every medical bill according to each state's fee schedule. ⁴Company-reported. Exceptional Service section; company-reported service commitments, not an independently verified outcome.	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. ¹⁰Company-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.

Full Comparison

More Chubb vs Heffernan Insurance Brokers Comparisons

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Sources

Chubb

Insurance for Technology Companies. Chubb; Products and services list naming workers' compensation among Chubb's technology-industry offerings. 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.
Workers' Compensation Insurance for Small Business. Chubb; Small Business Workers' Compensation Coverage Highlights; Exceptional Service; Total Account Solution. 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; Basic coverages Heffernan can provide include general liability, commercial property, commercial auto, workers' compensation, and global/foreign exposures. Accessed 2026-09-23.
Small Business Insurance. Heffernan Insurance Brokers; Workers' compensation covers injuries to your employees while on the job. Accessed 2026-09-23.
Home Care Business Insurance. Heffernan Insurance Brokers; Home Care Workers' Compensation: Workers' compensation for home care workers can have the greatest financial impact on your business expenses. Our home care insurance specialists can help walk you through the coverage and premium of home care workers' comp coverage and advise you on what can be done to minimize costs and risks. Accessed 2026-09-23.
Claims Advocacy. Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise — Claims Strategy, Carrier Liaison, Experience Mod Analysis; Medical Triage Services — 24/7 Nurse Access, Telemedicine Options, Comprehensive Reporting; Why Choose Heffernan Consulting Division: 25+ Years of Claims Expertise, over $1 billion in claims managed; 75% of Faster Claims Processing. Accessed 2026-09-23.

Workers’ Compensation Insurance Guide

Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.