Heffernan Insurance Brokers vs 
HUB International Builders Risk Insurance
Heffernan brokers builders risk and lists wrap-up contacts; HUB brokers the line with a documented site-mitigation program.
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. 1,2,3
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 5,6,7
What Is Builders Risk Insurance?
Builders risk insurance addresses physical property losses during building construction. 10
Key Differences in Builders Risk Insurance
How Each Broker Reaches the Market
Heffernan says construction specialists gather quotes from multiple carriers using the project's budget, timeline and construction type. HUB directs project owners, general contractors and developers to a broker or construction specialist for a project-specific assessment. Neither reviewed source identifies the carrier that would issue a policy. 4 8 9
Published Site-Mitigation Features
HUB describes a program using third-party site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements. Heffernan's reviewed construction page does not describe those features. This is a difference in the published descriptions, not evidence that Heffernan cannot arrange similar services. 8 9 4
Wrap-Up Programs and Contacts
Heffernan lists a Wrap Up Solutions team with its construction practice leader for builders risk and related project-specific programs. HUB's reviewed builder's risk sources describe its mitigation program but do not describe a wrap-up team. If a controlled insurance program is relevant, ask both brokers whether they can include that work in scope. 4 8
What to Confirm in Builders Risk Insurance Quotes
- Which insurer would issue each policy, and what project, frame/non-frame and geographic eligibility assumptions apply? 4 8 9
- Which HUB mitigation vendors, app functions and fees are included, and whether wrap-up placement is in Heffernan's scope? 8 9 4
- What limits, attachment points, retentions, exclusions and endorsements will each quote contain? Neither reviewed source publishes those policy-specific terms. 4 8
- Treat Heffernan's 1%–4% budget figure as generic education, not a quote; compare the actual premium and scope in both proposals. 4 8
Offering Details
Heffernan Insurance Brokers vs HUB International Builders Risk Insurance: documented features by provider
| Criteria | Heffernan Builders Risk Insurance | HUB Builder's Risk Insurance Solutions |
|---|---|---|
| Role in This Line | Heffernan's construction insurance brokers arrange builders risk insurance for contractors, developers and other construction-industry clients. As a broker, Heffernan places the coverage with insurance carriers rather than underwriting it itself. 4Company-reported. Construction page description of the builders risk offering. Does not establish a specific carrier relationship. | HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. 8,9Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer. |
| Issuing Insurer | The construction page does not name the insurer that would issue a builders risk policy arranged through Heffernan; the FAQ refers only to gathering quotes from 'various carriers.' 4Not publicly disclosed. Checked the construction page on 2026-09-23. The issuing insurer would appear on the quote and declarations. | Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. 8,9Not found in reviewed sources. Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners. |
| Who It’s For | Heffernan says its construction insurance brokers serve general contractors, subcontractors, specialty and trade contractors, developers and design/build firms across sectors including alternative energy, concrete construction management and engineering, and lists a network of more than 1,000 contractor and developer clients nationwide. 4Company-reported. Construction page sector list and client-count claim; client count is company-reported and not independently verified. | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. 9Company-reported. Launch press release target-market description. |
| Coverage Features | Heffernan describes builders risk insurance as coverage that protects a construction project against physical damage during the build, such as fire, theft and weather-related events, and says it customizes the coverage to the specific project. 4Company-reported. Construction page product description; specific insuring agreements, exclusions and endorsements are not detailed on the page. | HUB describes builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. 8Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | The construction page's builders risk FAQ gives only a generic industry cost range, roughly 1% to 4% of the construction budget, as educational content. It does not publish a Heffernan-specific limit, retention or premium for a builders risk policy. 4Not publicly disclosed. Checked the construction page's Builders Risk FAQ section on 2026-09-23. This is general market information, not a Heffernan-issued quote. | Not described in the reviewed sources. |
| Risk Services | Heffernan lists a dedicated Wrap Up Solutions team alongside its construction practice leader as contacts for builders risk and related project-specific insurance programs. 4Company-reported. Construction page practice-leader contact block. | HUB says it pairs the policy with third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements, run by its construction insurance specialists. 8,9Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome. |
| How to Apply | Heffernan's construction page directs buyers to contact its construction insurance specialists directly, and its builders risk FAQ describes providing project details such as budget, timeline and construction type so Heffernan can gather quotes from multiple carriers. 4Company-reported. Construction page contact route and FAQ process description. | HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. 8Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More Heffernan Insurance Brokers vs HUB International Comparisons
Other Builders Risk Insurance Comparisons
Sources
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.
- Construction & Contractor Liability Insurance. Heffernan Insurance Brokers; Protect Your Construction Projects with Builders Risk Insurance; contractor sectors served; Builders Risk FAQ; network of over 1,000 contractor and developer clients nationwide; Construction Practice Leader and Wrap Up Solutions contacts. Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Builder's Risk Insurance Broker & Coverage Policy. HUB International; Coverage description for construction, installation and renovation projects; site security, water protection and fire resistance mitigation components; proprietary mobile app; frame and non-frame construction; Connect With a Broker. Accessed 2026-09-23.
- HUB International Launches Builder's Risk Insurance Solutions. HUB International; February 22, 2024 announcement naming project owners, general contractors and developers of frame and non-frame projects as the target market; third-party mitigation vendor coordination. Accessed 2026-09-23.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
