Gallagher vs 
Heffernan Insurance Brokers Business Owner’s Policy
Gallagher lists BOP exclusions and three quote paths; Heffernan places BOPs for SBA-size firms across named industries.
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 1,2,3,4,5
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. 8,9,10
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 12
Key Differences in Business Owner’s Policy
Who Places the Policy
Both Gallagher Small Business and Heffernan arrange a business owner's policy rather than issuing it themselves. Gallagher says the package is placed with a partner carrier; Heffernan describes itself as the source businesses go to for insurance, not as the insurer. Neither reviewed page names the company that would write your declarations. 6 11
What the Bundle Is Said to Include
Gallagher spells out general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense) plus property for a rented space and the equipment inside it. Heffernan describes a BOP only as a package of major property and liability risks in one bundle, without listing those insuring agreements. 6 11
Who Each Practice Says It Serves
Gallagher frames almost every small business that owns or rents a workspace, holds customer data, employs staff, or owns equipment as a BOP candidate. Heffernan targets companies the SBA treats as small (fewer than 500 employees or less than $7 million in receipts) across construction, food, health care, hospitality, real estate, technology and transportation, and says it will research a custom package for a niche not on that list. 6 11
What to Confirm in Business Owner’s Policy Quotes
- Get the issuing insurer from both Gallagher and Heffernan; neither BOP page names it. 6 11
- Ask Gallagher which of its published BOP exclusions apply on the form you are quoted. 6
- Ask Heffernan whether your industry is in its listed set or needs the custom-research path. 11
- Compare limits and deductibles on both quotes; neither page publishes them. 6 11
Offering Details
Gallagher vs Heffernan Insurance Brokers Business Owner’s Policy: documented features by provider
| Criteria | Gallagher Small Business Owner’s Policy | Heffernan Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. 6Company-reported. Gallagher Small Business's direct-to-small-business BOP product page. | 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. 11Company-reported. Small Business Insurance page description of the division and its BOP offering. |
| Issuing Insurer | The BOP product page does not name the insurer that would issue a given business's policy. 6Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product. | The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. 11Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations. |
| Who It’s For | Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. 6Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance 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. 11Company-reported. Small Business Insurance page's eligibility and industry-list sections. |
| Coverage Features | Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. 6Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. 6Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued. | 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. 11Company-reported. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there. |
| Limits and Retentions | The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. 6Not publicly disclosed. Checked the BOP product page on 2026-09-23. | 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. 11Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | 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. 11Company-reported. Small Business Insurance page description of the division's approach. |
| How to Apply | Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. 6Company-reported. Product page "Get Covered Now" section. | Not described in the reviewed sources. |
Full Comparison
More Gallagher vs Heffernan Insurance Brokers Comparisons
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Sources
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Business Owners Policy. Gallagher Small Business; Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now. Accessed 2026-09-23.
- Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
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; 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.
- Small Business Insurance. 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.
Business Owner’s Policy Guide
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
