--- title: "Heffernan Insurance Brokers vs HUB International Business Owner’s Policy" description: "Heffernan targets SBA-size firms and unlisted niches; HUB fine-tunes a BOP through a broker with no online quote." canonical: "https://spot.insure/compare/heffernan-vs-hub-international/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/heffernan-vs-hub-international/business-owners-policy) # 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. ## Research Scope and Use Use this comparison to evaluate Heffernan Insurance Brokers and HUB International for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Heffernan and HUB both broker business owner's policies rather than underwriting them. Heffernan aims at SBA-defined small companies and will research niches not on its industry list. HUB describes a property-and-liability package an advisor fine-tunes, started only by contacting a HUB broker. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## 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](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) ## 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](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is a Business Owner’s Policy? A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy") ## 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### 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](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") ## What to Confirm in Business Owner’s Policy Quotes - Ask both which insurer would issue the BOP. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Ask Heffernan whether you fall under SBA size rules and a listed industry. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") - Ask HUB which line-of-business options the advisor would attach. [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Compare limits and deductibles; neither page publishes them. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## Offering Details | 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not found in reviewed sources; scope: 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | ## Full Comparison - [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses. - [Heffernan Insurance Brokers vs HUB International Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-hub-international/builders-risk) - [Heffernan Insurance Brokers vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-hub-international/cargo-transit) - [Heffernan Insurance Brokers vs HUB International Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-hub-international/commercial-auto) - [Heffernan Insurance Brokers vs HUB International Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-hub-international/commercial-property) - [Heffernan Insurance Brokers vs HUB International Crime Insurance](https://spot.insure/compare/heffernan-vs-hub-international/crime) - [Heffernan Insurance Brokers vs HUB International Cyber Insurance](https://spot.insure/compare/heffernan-vs-hub-international/cyber) - [Heffernan Insurance Brokers vs HUB International Employee Health Benefits](https://spot.insure/compare/heffernan-vs-hub-international/employee-health-benefits) - [Heffernan Insurance Brokers vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/employment-practices) - [Heffernan Insurance Brokers vs HUB International Fidelity Bonds](https://spot.insure/compare/heffernan-vs-hub-international/fidelity-bonds) - [Heffernan Insurance Brokers vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/fiduciary) - [Heffernan Insurance Brokers vs HUB International General Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/general-liability) - [Heffernan Insurance Brokers vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/heffernan-vs-hub-international/hired-non-owned-auto) - [Heffernan Insurance Brokers vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/heffernan-vs-hub-international/medical-malpractice) - [Heffernan Insurance Brokers vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-hub-international/professional-errors-omissions) - [Heffernan Insurance Brokers vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/heffernan-vs-hub-international/representations-warranties) - [Heffernan Insurance Brokers vs HUB International Surety Bonds](https://spot.insure/compare/heffernan-vs-hub-international/surety-bonds) - [Heffernan Insurance Brokers vs HUB International Trucking Insurance](https://spot.insure/compare/heffernan-vs-hub-international/trucking) - [Heffernan Insurance Brokers vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-hub-international/workers-compensation) - [Alliance Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-heffernan/business-owners-policy) - [Alliance Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-hub-international/business-owners-policy) - [Amelia Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-heffernan/business-owners-policy) - [Amelia Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy) - [Chubb vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/chubb-vs-heffernan/business-owners-policy) - [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy) ## Sources ### Heffernan Insurance Brokers 1. [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. 2. [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. Accessed 2026-09-16. 3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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. 4. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). 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 5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 8. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). 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 9. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/heffernan-vs-hub-international/business-owners-policy.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)