Heffernan Insurance Brokers vs Hiscox: How Do They Compare for Professional Liability (E&O) Insurance?

Heffernan Insurance Brokers shops E&O with insurers through its small-business division and will research a custom package for industries it doesn't list, whereas Hiscox sells professional liability directly online to small businesses in 49 states and D.C.

Hiscox names its insurer, offers online purchase and describes claims-made terms; Heffernan only lists E&O in its small-business package and does not describe its policy structure. ^5,^4,¹

What Are the Key Differences Between Heffernan Insurance Brokers and Hiscox Professional Liability (E&O) Insurance?

Online Policy Detail vs General Brokerage Listing

Hiscox identifies its E&O insurer, offers online quoting and purchase, and describes the policy as claims-made. ⁵ ³ Heffernan lists E&O as one coverage its small-business division places but gives no dedicated E&O terms. ¹

Choose Hiscox if you want online quoting, claims-made terms and a 24/7 claims line; choose Heffernan if you want to discuss E&O inside a package across its small-business industries. ² ³ ¹

Quote and Claim Support

Hiscox says licensed advisers are available by phone and its claims line is open 24/7 for current customers. ³ Heffernan directs buyers to contact its small-business division for a quote or custom package. ¹

What Should You Confirm in Heffernan Insurance Brokers and Hiscox Professional Liability (E&O) Insurance Quotes?

Ask Heffernan which insurer would issue the policy and whether it is claims-made or occurrence. ¹
Confirm Hiscox online availability in your state and ask for limits and retentions. ²
Ask what retroactive date applies to Hiscox's claims-made policy. ³

Heffernan Insurance Brokers vs Hiscox Professional Liability (E&O) Compared

Heffernan Insurance Brokers vs Hiscox: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Heffernan Professional Errors and Omissions Brokerage	Hiscox Professional Liability Insurance
Who It’s For	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. ¹Company-reported. 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.	Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. ^2,⁵Company-reported. Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant.
How to Apply	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. ¹Company-reported. Small Business Insurance page as read on 2026-09-23.	Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. ²Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.
Coverage Features	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. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.	Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. ³Company-reported. Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy.
Role in This Line	Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.	Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. ^4,²Company-reported. Company-stated online small-business channel.