--- title: "Counterpart vs Heffernan Insurance Brokers: Professional Liability (E&O) Insurance" description: "Heffernan lists E&O among coverages its small-business division places and describes the industries that division serves; Counterpart names distinct professional programs." canonical: "https://spot.insure/compare/counterpart-vs-heffernan/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "counterpart-vs-heffernan" provider-a: "counterpart" provider-b: "heffernan" coverage-line: "professional-errors-omissions" --- 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/counterpart-vs-heffernan/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Counterpart and Heffernan Insurance Brokers for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about Counterpart 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:** - Counterpart vs Heffernan Insurance Brokers for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Counterpart or Heffernan Insurance Brokers? - What does Counterpart or Heffernan Insurance Brokers publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Professional Liability (E&O) Insurance from Counterpart or Heffernan Insurance Brokers? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: Counterpart 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:** - [Counterpart vs Heffernan Insurance Brokers](https://spot.insure/compare/counterpart-vs-heffernan) — parent: all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence) - [Counterpart vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/counterpart-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line) - [Counterpart vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line) - [Counterpart vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line) - [Counterpart vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line) - [Counterpart vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/counterpart-vs-heffernan/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # Counterpart vs Heffernan Insurance Brokers: How Do They Compare for Professional Liability (E&O) Insurance? Heffernan lists E&O among coverages its small-business division places and describes the industries that division serves; Counterpart names distinct professional programs. ## How to Use the Counterpart vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate Counterpart and Heffernan Insurance Brokers for Professional Liability (E&O) Insurance 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. ## Counterpart vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance Summary Heffernan lists E&O among coverages its small-business division places and describes the industries that division serves; Counterpart names distinct professional programs. [11](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") ## What Is Counterpart Insurance? Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## 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. [8](https://www.heffins.com/about-us/our-story/ "Our Story") [9](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [10](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) ## What Is Professional Errors and Omissions (E&O) Insurance? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [12](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [13](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [14](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [15](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## What Are the Key Differences Between Counterpart and Heffernan Insurance Brokers Professional Liability (E&O) Insurance? ### Program Structure and Professional Fit Heffernan Insurance Brokers says its small-business division serves industries including technology, healthcare, construction, hospitality and transportation, and can build packages for other sectors. Counterpart identifies separate professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. A diverse small business can ask Heffernan Insurance Brokers to assemble its broader package; a buyer needing a profession-specific E&O form should compare the exact Counterpart program with the carrier form proposed by Heffernan Insurance Brokers. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [11](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") ### Coverage Scope and Application Heffernan Insurance Brokers describes E&O as addressing product or service problems that cause client financial loss and directs buyers to request a quote. Counterpart's professional pages give more explicit program segmentation and selected modular terms. Request the same service description, limits and retention in both submissions so the quotes address comparable professional work. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [11](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") ## What Should You Confirm in Counterpart and Heffernan Insurance Brokers Professional Liability (E&O) Insurance Quotes? - Heffernan Insurance Brokers: identify the insurer and exact professional form in the package. Counterpart: confirm the correct class and whether the sample limit structure applies to your quote. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [11](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") ## Counterpart vs Heffernan Insurance Brokers Professional Liability (E&O) Compared | Criteria | Counterpart Professional Liability | Heffernan Professional Errors and Omissions Brokerage | | --- | --- | --- | | Role in This Line | Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [7](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited marketing pages do not identify the insurer for a particular professional-liability risk or state..) | Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. [11](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found..) | | Who It’s For | Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Each page has its own occupation scope; no single eligibility rule applies across all four products..) | Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. [11](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage..) | | Coverage Features | The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") (Evidence: Company-reported; scope: These are distinct program summaries and do not establish identical policy triggers or coverages..) | Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. [11](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements..) | | Limits and Retentions | Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Published examples are illustrative, not terms available to a particular applicant..) | The reviewed page does not publish limits, retentions, or premium ranges for errors and omissions coverage. [11](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: Small Business Insurance page as read on 2026-09-23..) | | How to Apply | Confirm in your quote. | Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. [11](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23..) | ## Related Pages for Counterpart vs Heffernan Insurance Brokers - [Counterpart vs Heffernan Insurance Brokers](https://spot.insure/compare/counterpart-vs-heffernan): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [Counterpart vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/counterpart-vs-heffernan/crime) - [Counterpart vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/employment-practices) - [Counterpart vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/fiduciary) - [Counterpart vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/counterpart-vs-heffernan/general-liability) - [Counterpart vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/counterpart-vs-heffernan/medical-malpractice) - [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions) - [AIG vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-heffernan/professional-errors-omissions) - [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions) - [Alliance Risk vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/professional-errors-omissions) - [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions) - [Aon vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-heffernan/professional-errors-omissions) ## Sources for Counterpart vs Heffernan Insurance Brokers ### Sources About Counterpart 1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29. 2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29. 3. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms.. Accessed 2026-09-30. 4. [Architects, Engineers, & Contractors Liability](https://yourcounterpart.com/products/architects-and-engineers). Counterpart, Inc.; Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28.. Accessed 2026-09-28. 5. [Allied Medical & Healthcare Liability](https://yourcounterpart.com/products/allied-healthcare). Counterpart, Inc.; Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session.. Accessed 2026-09-28. 6. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific.. Accessed 2026-09-30. 7. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28. ### Sources About Heffernan Insurance Brokers 8. [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. 9. [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. 10. [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. 11. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages. Accessed 2026-09-23. ### Sources for the Professional Liability (E&O) Insurance Guide 12. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16. 13. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16. 14. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 15. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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. ## Counterpart Review Scores for 2026 Review Score: not enough ratings. We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/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/counterpart-vs-heffernan/professional-errors-omissions.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)