CNA vs 
Heffernan Insurance Brokers: How Do They Compare for Workers’ Compensation 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. 1,2,3
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. 5,6,7
Read the Heffernan Insurance Brokers profile
Read the Heffernan Insurance Brokers Workers’ Compensation Insurance page
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 11,12,13,14
Key Differences in Workers’ Compensation Insurance
Claim Advocacy and Triage
Heffernan describes a claims-consulting division that works alongside the issuing carrier, with customized strategy, direct carrier liaison, experience-mod analysis and 24/7 phone or on-site medical triage. CNA describes a dedicated claims team averaging 20 years of workers’ compensation experience. These are different service models—broker-side advocacy and triage versus a carrier team—so employers should ask who answers first after an injury and how responsibilities are divided. 10 4
Injury Prevention
CNA lists safety information, training and risk-control programs to support return-to-work strategies. Heffernan’s record emphasizes claim consultation and medical triage; it does not describe an equivalent general safety program in the reviewed claims. That is a difference in documented detail, not proof the broker offers no other risk services. Ask each how prevention, clinical triage and claim advocacy fit together for your workforce. 4 10
What to Confirm in Workers’ Compensation Insurance Quotes
CNA and Heffernan Insurance Brokers Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
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.[1][5]
Read CNA reviewsHeffernan Insurance Brokers Review Score
Review Score
1 rated source
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.[6][7][8]
Read Heffernan Insurance Brokers reviewsCNA vs Heffernan Insurance Brokers Workers’ Compensation Compared
CNA vs Heffernan Insurance Brokers: Workers’ Compensation Insurance: documented features by provider
| Criteria | CNA Workers’ Compensation | Heffernan Workers' Compensation Brokerage and Claims Advocacy |
|---|---|---|
| Role in This Line | Confirm in your quote. | 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 | Confirm in your quote. | 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 | Confirm in your quote. | 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 | CNA workers’ comp covers medical expenses and wage replacement for employees injured in the course of employment. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | 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 | Confirm in your quote. | 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 | CNA offers safety information, training and risk-control programs to help businesses develop return-to-work strategies. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA says its dedicated claims team averages 20 years of workers’ compensation experience. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | 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. |
| Claims Support | Confirm in your quote. | 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. |
Related Pages for CNA vs Heffernan Insurance Brokers
Workers’ Compensation Pages for CNA and Heffernan Insurance Brokers
Other Coverage Lines Compared for CNA vs Heffernan Insurance Brokers
Other Workers’ Compensation Insurance Provider Comparisons
Sources for CNA vs Heffernan Insurance Brokers
Sources About CNA
- Insurance for Small Businesses. 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.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. 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.
- Workers’ Compensation Insurance | CNA Insurance. CNA; Benefits, prevention, claims. Accessed 2026-09-28.
Sources About 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.
Sources for the 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.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
