Heffernan Insurance Brokers vs HUB International: How Do They Compare for Business Owner’s Policy?

Heffernan Insurance Brokers runs a division focused entirely on small-business clients; HUB International brokers BOPs and has you contact a HUB broker, with an advisor tailoring the policy to your line of business.

Heffernan names who it serves, SBA-size companies in seven listed industries, and will research niches outside that list. HUB publishes no size or industry screens; an advisor tailors your BOP after you contact a broker. ^1,²

What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Business Owner’s Policy?

Knowing Up Front Whether You Fit

A small food producer or transport firm can check Heffernan's page and see itself: construction, food, health care, hospitality, real estate, technology and transportation, sized by SBA rules. If your trade is unusual, Heffernan says it will research it. HUB's BOP page gives no such screens, so you learn whether it fits only after a broker call. Choose Heffernan if you're an SBA-size business in a listed or hard-to-place industry; choose HUB if you own a building or equipment and want an advisor to close gaps between separate property and liability policies. ¹ ²

What the Package Covers

Heffernan describes the BOP as the basic coverages an owner needs, without detail. HUB is more specific: building and business-property cover for damaged buildings, equipment and stock, plus liability for harm your business causes. ¹ ²

Expect a Conversation

Both are brokers, and neither sells a BOP online. HUB routes you to one of its brokers, and Heffernan's small-business page has no bind-it-yourself flow. Neither names the insurer or publishes limits, so budget time for a call before you see a price. ² ¹

What Should You Confirm in Heffernan Insurance Brokers and HUB International Business Owner’s Policy Quotes?

Ask both which insurer issues the policy. ¹ ²
Ask Heffernan whether you meet SBA size rules and which industry team handles you. ¹
Ask HUB which options its advisor adds for your trade. ²
Get limits and deductibles from both; neither publishes them. ¹ ²

Heffernan Insurance Brokers vs HUB International Business Owner’s Policy Compared

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
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. ¹Company-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. ²Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.
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. ¹Company-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. ²Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer.
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. ¹Company-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. ²Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.