---
title: "CNA vs Heffernan Insurance Brokers: Business Owner’s Policy"
description: "Heffernan describes its BOP as a package for property and liability risks; CNA Connect names buildings, income, contents, equipment, and other categories."
canonical: "https://spot.insure/compare/cna-vs-heffernan/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-heffernan"
provider-a: "cna"
provider-b: "heffernan"
coverage-line: "business-owners-policy"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of CNA 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 CNA versus Heffernan Insurance Brokers. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Business Owner’s Policy. Providers: CNA and Heffernan Insurance Brokers.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Heffernan Insurance Brokers](https://spot.insure/compare/cna-vs-heffernan) — parent: all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [CNA vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/cna-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-heffernan/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/cna-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/cna-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/cna-vs-heffernan/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/cna-vs-heffernan/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-heffernan/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/cna-vs-heffernan/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-heffernan/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-heffernan/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-heffernan/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [biBerk vs CNA Business Owner’s Policy](https://spot.insure/compare/biberk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [biBerk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/biberk-vs-heffernan/business-owners-policy) — sibling comparison (other line, or other pair for this line)

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

Heffernan describes its BOP as a package for property and liability risks; CNA Connect names buildings, income, contents, equipment, and other categories.

## How to Use the CNA vs Heffernan Insurance Brokers Business Owner’s Policy Comparison

Use this comparison to evaluate CNA and Heffernan Insurance Brokers for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

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

Heffernan describes its BOP as combining property and liability protection in one package; CNA Connect names buildings, income, contents, computer equipment, receivables, and money/securities. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What Is Heffernan Insurance Brokers?

Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [4](https://www.heffins.com/about-us/our-story/ "Our Story") [5](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## What Is a Business Owner’s Policy?

A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [8](https://content.naic.org/consumer/small-business.htm "Small Business") [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

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

### Custom package versus named coverage categories

Heffernan says its small-business division researches and builds custom packages, including for niches not listed on its page. CNA Connect names specific property and income exposures within its package and serves more than 600 small-business classes. If your business has unusual assets or activities, ask Heffernan which carrier terms support its custom design and ask CNA which listed categories and endorsements apply to your class. [7](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance")

### Business size and placement role

Heffernan describes a small-business focus spanning sole proprietors through growing companies and presents itself as the insurance intermediary. CNA Connect is a carrier package with more than 300 optional endorsements and adjustable limits and deductibles. Confirm Heffernan’s proposed insurer and identify the limits, deductibles, and endorsements alongside CNA’s offer before comparing the customized package. [7](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance")

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

- Which carrier, forms, and limits make up Heffernan’s custom bundle? [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Can CNA accommodate your industry and requested package through its endorsements? [7](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance")

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

| Criteria | CNA Connect Businessowners Policy | Heffernan Business Owner's Policy (BOP) |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | 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. [7](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..) |
| Issuing Insurer | Confirm in your quote. | The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. [7](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) |
| Who It’s For | CNA says CNA Connect serves more than 600 small-business classes. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [7](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 | CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [7](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..) |
| Limits and Retentions | Confirm in your quote. | 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. [7](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Small Business Insurance page on 2026-09-23..) |
| Risk Services | Confirm in your quote. | 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. [7](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..) |

## Related Pages for CNA vs Heffernan Insurance Brokers

- [CNA vs Heffernan Insurance Brokers](https://spot.insure/compare/cna-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.
- [CNA vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/cna-vs-heffernan/builders-risk)
- [CNA vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-heffernan/cargo-transit)
- [CNA vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-auto)
- [CNA vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-property)
- [CNA vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/cna-vs-heffernan/crime)
- [CNA vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/cna-vs-heffernan/cyber)
- [CNA vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/employment-practices)
- [CNA vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/cna-vs-heffernan/fidelity-bonds)
- [CNA vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/fiduciary)
- [CNA vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/general-liability)
- [CNA vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/cna-vs-heffernan/hired-non-owned-auto)
- [CNA vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-heffernan/medical-malpractice)
- [CNA vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-heffernan/professional-errors-omissions)
- [CNA vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/cna-vs-heffernan/surety-bonds)
- [CNA vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-heffernan/workers-compensation)
- [Alliance Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-cna/business-owners-policy)
- [Alliance Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-heffernan/business-owners-policy)
- [Amelia Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy)
- [Amelia Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-heffernan/business-owners-policy)
- [biBerk vs CNA Business Owner’s Policy](https://spot.insure/compare/biberk-vs-cna/business-owners-policy)
- [biBerk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/biberk-vs-heffernan/business-owners-policy)

## Sources for CNA vs Heffernan Insurance Brokers Business Owner’s Policy

### Sources About CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.

### Sources About Heffernan Insurance Brokers

4. [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.
5. [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. Accessed 2026-09-16.
6. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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.
7. [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.

### Sources for the Business Owner’s Policy Guide

8. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
9. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

## Heffernan Insurance Brokers Review Scores for 2026

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-heffernan/business-owners-policy.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)