--- title: "Gallagher vs Heffernan Insurance Brokers" description: "Compare Gallagher and Heffernan for a scaling technology company considering specialist teams, self-insurance and claims support." canonical: "https://spot.insure/compare/gallagher-vs-heffernan" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Gallagher", "Heffernan Insurance Brokers"] --- [Human-readable page](https://spot.insure/compare/gallagher-vs-heffernan) # Gallagher vs Heffernan Insurance Brokers Compare Gallagher and Heffernan for a scaling technology company considering specialist teams, self-insurance and claims support. ## Research Scope and Use Use this comparison to evaluate Gallagher and Heffernan Insurance Brokers against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Gallagher offers technology and executive-risk practices, including former Woodruff Sawyer. Heffernan markets a mid- to late-stage technology practice and a separate small-business division, with benefits and alternative-risk capabilities. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") ## Introduction A technology company approaching later funding rounds may want to review how much risk to retain as well as what insurance to buy. Heffernan’s technology practice emphasizes mid- and late-stage companies and self-insurance strategies. Gallagher markets technology services from startups through global enterprises, with executive-risk and transaction support. Compare the actual team and proposed analysis at your stage. [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## Documented Provider Strengths ### Gallagher - Technology specialists for startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.) - Executive-risk and transaction support, including IPOs and M&A. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.) ### Heffernan Insurance Brokers - The technology practice markets brokerage to mid- and late-stage companies, including VC-funded, pre-IPO, and globally expanding firms. [14](https://www.heffins.com/ "Heffernan Insurance Brokers") [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [15](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.) - Heffernan describes full-service claims consulting, including workers’ compensation carrier liaison and medical triage. [23](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [29](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Company descriptions of advocacy and a specialty cargo claims unit. Speed, “$1 billion managed,” and “up to 75% faster” figures are not adopted as verified performance.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Gallagher | Heffernan Insurance Brokers | | --- | --- | --- | | Builders risk | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Listed [28](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") | | Business owner’s policy | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | | Cargo and transit | Not listed | Listed [29](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [30](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | | Commercial auto | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | | Commercial property | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | | Crime | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [32](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | | Cyber liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [22](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | | Directors and officers | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | | Employee health and benefits | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [24](https://www.heffins.com/employee-benefits/ "Health Insurance services") | | Employment practices liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | | Equipment breakdown | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed | | Fidelity bonds | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [32](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | | Fiduciary liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | | General liability | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | | Hired and non-owned auto | Not listed | Listed [32](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | | Intellectual property | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed | | Kidnap and ransom | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | | Last-mile delivery | Not listed | Listed [30](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | | Management liability | Not listed | Listed [30](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | | Medical malpractice | Not listed | Listed [31](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") | | Product liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed | | Product recall | Listed [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") | Not listed | | Professional liability / E&O | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | | Representations and warranties | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [33](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") | | Surety bonds | Listed [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") | Listed [29](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [26](https://www.heffins.com/quick-insure/ "Quick Insure") | | Technology errors and omissions | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed | | Trucking | Not listed | Listed [30](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | | Umbrella and excess liability | Listed [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") | Listed [30](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | | Workers’ compensation | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Gallagher and Heffernan Insurance Brokers ### Choose the Practice, Not Just the Brokerage Brand Heffernan also has a small-business division, and Gallagher has a separate small-business offering. That matters for a bootstrapped applicant: the existence of a sophisticated technology practice does not establish the service tier or minimum engagement available for a smaller account. Ask who would lead the work now and how the account moves between teams as it grows. [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") Heffernan’s Quick Insure route concerns selected products and is not evidence of an instant growth-stage technology program. Likewise, Gallagher’s small-business inquiry does not promise a complete quote in the form itself. [26](https://www.heffins.com/quick-insure/ "Quick Insure") [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") ### Put Retained Risk Into the Proposal For buyers trying to control total cost of risk, Heffernan describes loss-sensitive and alternative arrangements including self-insurance, partial self-insurance, large deductibles, and captives. The technology page separately discusses self-insurance strategies for later-stage companies. These are options to evaluate in a proposal, not a standard policy form. [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [31](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Company-described capabilities. Captive feasibility, funding, and domicile are not established by the marketing copy.; verified: 2026-09-16.) Gallagher’s casualty practice describes multiple program structures, coverage-gap analysis and coordination with finance and operations. Ask both for the assumptions behind any higher deductible or other alternative structure: expected retained losses, funding needs and administrative work matter alongside premium. Neither practice page establishes that a particular structure is appropriate or available for your company. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") ### Compare Claims Duties by Line Heffernan documents workers’ compensation consulting and medical triage, plus a separate marine-cargo unit with claims authority. Gallagher documents specialist executive-risk claims advocacy. These are different scopes: do not apply cargo settlement authority to an ordinary technology policy or executive-risk support to every line without confirmation. [23](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [29](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## What to Confirm in Quotes - Which practice and named advisors serve your present size, and what work is included before renewal? - What analysis supports each retained-risk option, including claims administration and capital needs? - Obtain current California producer and product confirmation; office presence and published license numbers are not enough. - Request itemized remuneration: Heffernan’s reviewed pages do not supply an ordinary brokerage fee schedule, while Gallagher discloses possible compensation types rather than your price. [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [25](https://www.heffins.com/contact-us/ "Contact Us") [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") ## Service Comparison Gallagher vs Heffernan Insurance Brokers: documented services and availability. | Criteria | Gallagher | Heffernan Insurance Brokers | | --- | --- | --- | | Customer focus | Gallagher markets a technology-specialist practice to startups, middle-market businesses and global enterprises, alongside a small-business offering for IT professionals and technology businesses. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.)

The reviewed technology and small-business pages do not state a minimum premium, funding round or revenue requirement for engaging the team. Ask which service model applies to a bootstrapped business. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") (Evidence: Not publicly disclosed; scope: Public pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum.; verified: 2026-09-16.) | Heffernan Insurance Brokers is an independent retail brokerage that arranges business insurance, personal insurance, employee benefits, and financial-services products. Its technology practice says it specializes in mid- to late-stage technology companies, including venture-funded startups, pre-IPO companies, and firms using enterprise risk or self-insurance strategies. A separate small-business division describes serving sole proprietors through fast-growing companies, including technology businesses. [14](https://www.heffins.com/ "Heffernan Insurance Brokers") [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [21](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [15](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.) | | Application process | The small-business quote link opens an advisor inquiry form asking for company and contact details, business description, coverage interests, employee count and annual revenue. Telephone and scheduled-advisor contact are also offered. This observed entry point does not establish instant binding or a turnaround time. [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [9](https://www.gallaghersmallbusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Public form inspected without submission; no quote, account creation or actual purchase tested.; verified: 2026-09-16.) | The public commercial path starts with a Contact Us inquiry. The empty form inspected on 16 September 2026 asks for first and last name, email, optional phone, insurance needed, and a description of operations, plus a required choice among Need A Quote, Other, or Would like to speak with someone. Submitting the form does not display a premium or bind coverage. [25](https://www.heffins.com/contact-us/ "Contact Us") (Evidence: Verified; scope: Chrome inspection of the unsubmitted Contact Form 7 on heffins.com/contact-us/. No fields completed and no submission. Downstream underwriting not tested.; verified: 2026-09-16.)

Heffernan tells technology buyers to work with a specialized broker who assesses the business and gathers quotes from insurers. Its cyber team says it determines exposure, shops the market, presents options, and guides coverage selection. Quick Insure is a separate path that markets faster quotes for selected personal and short-term business products. The reviewed pages do not promise a universal quote or binding turnaround for a growth-stage technology program. [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [22](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [26](https://www.heffins.com/quick-insure/ "Quick Insure") [25](https://www.heffins.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Service descriptions. Technology-page FAQ “how do I get” language is educational process copy, not a measured SLA.; verified: 2026-09-16.) | | Servicing and renewals | Gallagher describes Go for client information and self-service, Submit for submission tracking and documents, and Verify for certificate management. Confirm which tools and service team your engagement includes. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Company-described technology-practice tools; no logged-in testing or universal account entitlement.; verified: 2026-09-16.)

For former Woodruff Sawyer clients, Gallagher links WS Connect for benefits and documents, Woodruff360 for policies, claim submission and certificates, and CSR 24 for certificates and auto ID cards. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Transition-page descriptions; no portal functionality tested.; verified: 2026-09-16.)

Gallagher’s casualty practice describes pre-renewal meetings involving finance, HR, operations and risk-management stakeholders, alongside contract reviews and coverage-gap analysis. Confirm the renewal timetable and deliverables for your account. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty-practice service description, not a promise for all small-business engagements.; verified: 2026-09-16.) | Heffernan says clients get claims services, loss control, HR consulting, and risk-management support alongside insurance placement. Its modern-brokerage page describes digital access to documents, program details, and service-activity status, plus tools such as TrustLayer for insurance verification. These are company-described servicing features. [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [36](https://www.heffins.com/about-us/modern-brokerage-solutions/ "Modern Brokerage Solutions") [23](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Company-reported; scope: Official feature descriptions only; no authenticated client account or measured service levels.; verified: 2026-09-16.) | | Claims assistance | Gallagher’s executive-risk practice describes a dedicated claims-advocacy team, including specialized attorneys, working with clients and carriers through claims. This establishes a stated support service, not a guarantee of payment or evidence of claims-handling quality. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Executive-risk practice only; insurer decision-making, counsel role, charges and service scope require confirmation.; verified: 2026-09-16.) | Heffernan describes full-service claims consulting from intake through resolution, including workers’ compensation strategy, carrier liaison, and experience-mod analysis; 24/7 medical triage; and advocacy on general liability, auto, and property claims, including litigation support. The marine-cargo program separately describes a claims division with authority to adjust, settle, and issue payments on that program. These statements document claimed assistance. They do not establish that a claim will be paid or that reported speed or savings figures are independently verified. [23](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [29](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Company descriptions of advocacy and a specialty cargo claims unit. Speed, “$1 billion managed,” and “up to 75% faster” figures are not adopted as verified performance.; verified: 2026-09-16.) | | Fees and compensation | Gallagher discloses brokerage commissions or fees, sometimes both, as well as possible contingent and supplemental commissions. Affiliates or other intermediaries may also earn compensation. It directs clients to their representative for placement-specific details; the disclosure provides no startup fee schedule. [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") (Evidence: Company-reported; scope: US compensation disclosure; no fee-free or uniform commission assumption.; verified: 2026-09-16.) | A public fee schedule, commission percentage, or premium range for Heffernan’s ordinary business-insurance or technology brokerage was not found on the reviewed homepage, business, technology, contact, privacy, or Quick Insure pages. Request an account-specific disclosure of brokerage fees, insurer commissions, contingent or supplemental compensation, and any separately billed services. Absence of a published schedule does not mean the work is unpaid. [14](https://www.heffins.com/ "Heffernan Insurance Brokers") [19](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [20](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [25](https://www.heffins.com/contact-us/ "Contact Us") [18](https://www.heffins.com/privacy-statement/ "Privacy Statement") [26](https://www.heffins.com/quick-insure/ "Quick Insure") (Evidence: Not found in reviewed sources; scope: Public commercial pricing search on 16 September 2026. Educational FAQ dollar ranges and Irish Heffernan.ie commission PDFs are out of scope and were not used.; verified: 2026-09-16.) | ## Related Reading - [What Is Gallagher?](https://spot.insure/insurance-providers/gallagher) - [What Is Heffernan Insurance Brokers?](https://spot.insure/insurance-providers/heffernan) ## Related Comparisons - [Alliance Risk vs Gallagher](https://spot.insure/compare/alliance-risk-vs-gallagher) - [Alliance Risk vs Heffernan Insurance Brokers](https://spot.insure/compare/alliance-risk-vs-heffernan) - [Amelia Risk vs Gallagher](https://spot.insure/compare/amelia-risk-vs-gallagher) - [Amelia Risk vs Heffernan](https://spot.insure/compare/amelia-risk-vs-heffernan) - [Armilla vs Gallagher](https://spot.insure/compare/armilla-vs-gallagher) - [Armilla vs Heffernan Insurance Brokers](https://spot.insure/compare/armilla-vs-heffernan) - [At-Bay vs Gallagher Insurance](https://spot.insure/compare/at-bay-vs-gallagher) - [At-Bay vs Heffernan Insurance Brokers Insurance](https://spot.insure/compare/at-bay-vs-heffernan) - 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[Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi) - [Gallagher vs Vouch](https://spot.insure/compare/gallagher-vs-vouch) - [Gallagher vs WithCoverage](https://spot.insure/compare/gallagher-vs-withcoverage) - [Harper vs Heffernan](https://spot.insure/compare/harper-vs-heffernan) - [Heffernan vs Hiscox](https://spot.insure/compare/heffernan-vs-hiscox) - [Heffernan vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) - [Heffernan vs Kinro](https://spot.insure/compare/heffernan-vs-kinro) - [Heffernan vs Layr](https://spot.insure/compare/heffernan-vs-layr) - [Heffernan vs Lockton](https://spot.insure/compare/heffernan-vs-lockton) - [Heffernan vs Marsh](https://spot.insure/compare/heffernan-vs-marsh) - [Heffernan vs Mylo](https://spot.insure/compare/heffernan-vs-mylo) - [Heffernan vs Newfront](https://spot.insure/compare/heffernan-vs-newfront) - [Heffernan vs ERGO NEXT](https://spot.insure/compare/heffernan-vs-next-insurance) - [Heffernan vs Pie Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance) - [Heffernan Insurance Brokers vs Relm Insurance](https://spot.insure/compare/heffernan-vs-relm) - [Heffernan vs Resilience](https://spot.insure/compare/heffernan-vs-resilience) - [Heffernan Insurance Brokers vs RiskCube](https://spot.insure/compare/heffernan-vs-riskcube) - [Heffernan Insurance Brokers vs Risklytics Insurance](https://spot.insure/compare/heffernan-vs-risklytics) - [Heffernan Insurance Brokers vs StartupInsurance.ai](https://spot.insure/compare/heffernan-vs-startupinsurance) - [Heffernan vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance) - [Heffernan vs The Hartford](https://spot.insure/compare/heffernan-vs-the-hartford) - [Heffernan vs Travelers](https://spot.insure/compare/heffernan-vs-travelers) - [Heffernan vs USI](https://spot.insure/compare/heffernan-vs-usi) - [Heffernan vs Vouch](https://spot.insure/compare/heffernan-vs-vouch) - [Heffernan vs WithCoverage](https://spot.insure/compare/heffernan-vs-withcoverage) ## Sources ### [Gallagher Official Website](https://www.ajg.com/) 1. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16. 2. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry; Data-driven insights; global network. Accessed 2026-09-16. 3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Three key services; D&O; IPO and direct listings; EPL; fiduciary; crime and fidelity; kidnap; M&A. Accessed 2026-09-16. 4. [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/). Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16. 5. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 6. [The Right Insurance for Your Small Business](https://www.gallaghersmallbusiness.com/insurance-products/). Gallagher Small Business; Choose Your Coverage; carrier network. Accessed 2026-09-16. 7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals; coverage menu; Connect With An Advisor. Accessed 2026-09-16. 8. [Connect With an Advisor](https://www.gallaghersmallbusiness.com/connect-with-us/). Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16. 9. [Contact Us](https://www.gallaghersmallbusiness.com/contact-us/). Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16. 10. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach; Robust casualty risk analysis. Accessed 2026-09-16. 11. [Property Insurance](https://www.ajg.com/insurance/property-insurance/). Gallagher; Our services include; global reach; Appraisal services. Accessed 2026-09-16. 12. [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/). Gallagher; Product Recall team description before Product recall insurance coverage. Accessed 2026-09-16. 13. [AI Insurance Solutions](https://www.ajg.com/insurance/ai-insurance-solutions/). Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16. ### [Heffernan Insurance Brokers Official Website](https://www.heffins.com) 14. [Heffernan Insurance Brokers](https://www.heffins.com/). Heffernan Insurance Brokers; What we offer; Independent since 1988; Built for what’s next; footer copyright and License #0564249; Quick Insure; Get a quote; Propeller bond-portal disclaimer. Accessed 2026-09-16. 15. [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. 16. [Our Locations](https://www.heffins.com/about-us/locations/). Heffernan Insurance Brokers; Nationwide coverage heading; Walnut Creek corporate headquarters; Bay Area and other California offices; Pacific Northwest, Mountain West, Northeast, Southeast, Honolulu; London Costero listing; footer License #0564249. Accessed 2026-09-16. 17. [Walnut Creek](https://www.heffins.com/about-us/locations/walnut-creek/). Heffernan Insurance Brokers; Corporate headquarters; founded 1988 in Walnut Creek. Accessed 2026-09-16. 18. [Privacy Statement](https://www.heffins.com/privacy-statement/). Heffernan Insurance Brokers; Collection for professional services; disclosure to non-affiliated third parties to solicit quotations from insurance carriers; website content developed in the United States and intended for U.S. users except where otherwise specified. Accessed 2026-09-16. 19. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Basic coverages list; corporate and executive protection list; alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16. 20. [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 treated as educational, not a product catalogue.. Accessed 2026-09-16. 21. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Sole proprietors to fast-growing companies; types of coverage we can provide; industry list including Technology. Accessed 2026-09-16. 22. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Cyber risk team that determines exposure, shops the market, presents options, and guides coverage selection. FAQ cost ranges treated as educational, not a price schedule.. Accessed 2026-09-16. 23. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Full-service claims consulting; workers’ compensation strategy and carrier liaison; medical triage; general liability, auto and property advocacy; vendor compliance tools. Outcome and speed claims are company-reported.. Accessed 2026-09-16. 24. [Health Insurance services](https://www.heffins.com/employee-benefits/). Heffernan Insurance Brokers; Heffernan Benefit Advisors; large and small group employee benefits, dental, vision, life and disability, voluntary benefits, Medicare; Administration and Advocacy. Accessed 2026-09-16. 25. [Contact Us](https://www.heffins.com/contact-us/). Heffernan Insurance Brokers; Unsubmitted Contact Form 7: First Name, Last Name, Email, Phone, Insurance Needed, Description of Operations; Select Need A Quote / Other / Would like to speak with someone; Submit. No premium displayed.. Accessed 2026-09-16. 26. [Quick Insure](https://www.heffins.com/quick-insure/). Heffernan Insurance Brokers; Fast quotes for personal and business insurance; business tiles including Short Term General Liability, Surety, Special Event Insurance, Peer-to-Peer Car Rental; Trusted Providers copy without named carriers. Accessed 2026-09-16. 27. [Short-Term General Liability](https://www.heffins.com/short-term-general-liability/). Heffernan Insurance Brokers; Partnership with Thimble Insurance Services for on-demand general liability; eligibility, pricing and coverage may vary by state; non-binding indication disclaimer. Accessed 2026-09-16. 28. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). Heffernan Insurance Brokers; We offer customized builders risk coverage; contractor sectors served. FAQ cost percentages treated as educational.. Accessed 2026-09-16. 29. [Marine Cargo](https://www.heffins.com/business-insurance/marine-cargo/). Heffernan Insurance Brokers; Coverage options including marine cargo, E&O and surety bonds; in-house underwriting authority; exclusive access to major insurance carriers (unnamed); dedicated claims division with settlement authority. Accessed 2026-09-16. 30. [Transportation Insurance](https://www.heffins.com/business-insurance/transportation/). Heffernan Insurance Brokers; Appointed with top transportation carriers (unnamed); trucking and final mile delivery subsectors; exclusive and sponsored products including auto liability, motor truck cargo, umbrella, workers’ compensation, cyber and management liability. Accessed 2026-09-16. 31. [Healthcare Insurance for Health Care Services](https://www.heffins.com/business-insurance/health-care/). Heffernan Insurance Brokers; Medical Malpractice listed among healthcare services; relationships with the nation’s top insurance carriers (unnamed); captives and self-insurance options. Accessed 2026-09-16. 32. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for list including workers’ compensation, general and professional liability, EPL, owned auto, non-owned and hired auto, crime, employee dishonesty bond, cyber, medical billing E&O, and property. “Covering all states” is company-reported, not a verified eligibility schedule.. Accessed 2026-09-16. 33. [Private Equity and M&A](https://www.heffins.com/business-insurance/private-equity-and-ma/). Heffernan Insurance Brokers; Representation & Warranty (RWI) Insurance; transactional risk list including contingent, environmental, tax and litigation buyout; HIB Private Equity and M&A Practice. Accessed 2026-09-16. 34. [Heffernan Network Insurance Brokers](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/). Heffernan Insurance Brokers; Formerly OLI Insurance Services; wholly owned subsidiary; agency acquisition and perpetuation; exclusive carrier access described for partner agencies. Accessed 2026-09-16. 35. [London, UK – Costero Brokers](https://www.heffins.com/about-us/locations/costero-brokers-ltd/). Heffernan Insurance Brokers; Costero Brokers Ltd. London office listing; full-service London brokerage; link to costerobrokers.com. Accessed 2026-09-16. 36. [Modern Brokerage Solutions](https://www.heffins.com/about-us/modern-brokerage-solutions/). Heffernan Insurance Brokers; Independent brokerage; digital document access and service activity status; TrustLayer and Quick Insure mentions; AI workflow claims for claims administration. Outcome claims are company-reported.. Accessed 2026-09-16. 37. [Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html). Heffernan Insurance Brokers via PR Newswire; 26 August 2026 release; Walnut Creek; independent brokerage; F. Michael Heffernan, President and CEO; License #0564249 in about block. Accessed 2026-09-16. 38. [SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth). InsuranceNewsNet reprint of SkyKnight Capital BusinessWire; 22 July 2019 announcement; minority investment; ESOP recapitalization; Mike Heffernan quote on retaining employee ownership. Historical ownership event; current cap table not independently verified.. Accessed 2026-09-16. 39. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Search form inspected 16 September 2026; no license-number query submitted; page showed empty search results (“No data”). No status or legal-name conclusion drawn from the empty form.. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. 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