Gallagher vs Heffernan Insurance Brokers: How Do They Compare for Cyber Insurance?

Heffernan Insurance Brokers assesses your data and security measures, then compares quotes from several providers; Gallagher Small Business serves small firms and gives larger accounts access to an eRiskHub portal.

Gallagher routes small businesses to one cyber channel and larger accounts to a group practice with eRiskHub and cyber forensic accountants. Heffernan maintains a cyber risk team that assesses exposure, shops markets and says arranged policies can include IT forensics and PR advisors. ^2,³

What Are the Key Differences Between Gallagher and Heffernan Insurance Brokers Cyber Insurance?

Two Gallagher Channels Versus One Shopping Team

Gallagher does not underwrite. Its Small Business desk arranges cyber for small businesses, while the group practice adds risk consulting, eRiskHub and a dedicated claims team that includes cyber forensic accountants for larger accounts. Heffernan says it maintains a cyber risk team that determines exposure, shops the market, presents options and guides selection. Choose Gallagher if you know whether you belong on the small-business desk or the larger-account practice; choose Heffernan if you want one team that shops and then walks you through options regardless of that split. ¹ ² ³

Home-Repair and Card Data Versus Healthcare-Finance-Retail-Tech

Gallagher recommends coverage for small businesses that handle customer data or accept card or EFT payments, naming retail, healthcare, financial services and home-repair. Heffernan says cyber is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology. Home-repair is Gallagher's extra named class. Technology is Heffernan's. ¹ ³

Market Premium Range Versus a Claim Example

Heffernan's FAQ gives only a general premium range of a few hundred to several thousand dollars annually across the market. Gallagher publishes no premium and uses a $60 million claim example that is not a policy maximum. ³ ¹

What Should You Confirm in Gallagher and Heffernan Insurance Brokers Cyber Insurance Quotes?

Ask Gallagher which desk would handle you, because eRiskHub is described only for larger accounts. ²
Ask Heffernan which insurer would issue the policy. ³
Ask Heffernan whether forensics and PR access is inside the placed form. ³

Gallagher vs Heffernan Insurance Brokers Cyber Insurance Compared

Gallagher vs Heffernan Insurance Brokers: Cyber Insurance: documented features by provider

Criteria	Gallagher Cyber Liability Insurance	Heffernan Cyber Security Insurance Brokerage
Who It’s For	Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. ¹Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting.	Heffernan says cyber insurance is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations. ³Company-reported. Cyber Security Insurance page's FAQ answer on who needs cyber insurance; this is general educational content on Heffernan's own page rather than a stated underwriting appetite.
Coverage Features	Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ¹Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ¹Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.	Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. ³Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected.
Role in This Line	Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability page.	Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. ³Company-reported. Cyber Security Insurance page's description of the cyber risk team.
Risk Services	For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. ²Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product.	Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. ³Company-reported. Cyber Security Insurance page's services description.