Heffernan Insurance Brokers vs 
HUB International Business Owner’s Policy
Heffernan targets SBA-size firms and unlisted niches; HUB fine-tunes a BOP through a broker with no online quote.
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 a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 9
Key Differences in Business Owner’s Policy
Two Brokerage Practices
Heffernan's small-business division and HUB both place a combined property-and-liability BOP with an insurer. Heffernan frames the BOP as assembling the basic coverages a business owner needs. HUB describes building and business-property insurance plus business liability, and positions the policy as a way to eliminate gaps between separate property and liability policies. 4 8
Segment Focus Versus Line-of-Business Options
Heffernan cites SBA size rules and lists construction, food, health care, hospitality, real estate, technology and transportation, plus custom research for unlisted niches. HUB says an advisor works with the client to fine-tune options that fit the client's line of business, without publishing those size or industry screens on the reviewed BOP page. 4 8
How You Reach an Advisor
HUB directs prospects to contact a HUB broker and does not describe an online quote. Heffernan's small-business page describes the division's approach and coverage list but does not publish a self-serve bind flow. Neither page names the issuing insurer or BOP limits. 8 4
What to Confirm in Business Owner’s Policy Quotes
Offering Details
Heffernan Insurance Brokers vs HUB International Business Owner’s Policy: documented features by provider
| Criteria | Heffernan Business Owner's Policy (BOP) | HUB International Business Owners Policy Brokerage |
|---|---|---|
| Role in This Line | 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. 4Company-reported. Small Business Insurance page description of the division and its BOP offering. | HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. 8Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. 4Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations. | The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. 8Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | 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. 4Company-reported. Small Business Insurance page's eligibility and industry-list sections. | Not described in the reviewed sources. |
| Coverage Features | 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. 4Company-reported. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there. | HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. 8Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | 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. 4Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. 8Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. |
| Risk Services | 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. 4Company-reported. Small Business Insurance page description of the division's approach. | HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. 8Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described. |
| How to Apply | Not described in the reviewed sources. | HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. 8Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More Heffernan Insurance Brokers vs HUB International Comparisons
Other Business Owner’s Policy 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.
- 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.
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.
- Business Owners Policy (BOP) Company Coverage. HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. 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.
