---
title: "Heffernan Insurance Brokers vs Liberty Mutual: Builders Risk Insurance"
description: "Heffernan gathers project-specific builders-risk quotes from carriers, while Liberty Mutual describes its own proprietary form and Specialty Property offering."
canonical: "https://spot.insure/compare/heffernan-vs-liberty-mutual/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "heffernan-vs-liberty-mutual"
provider-a: "heffernan"
provider-b: "liberty-mutual"
coverage-line: "builders-risk"
---

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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/heffernan-vs-liberty-mutual/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Liberty Mutual for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Builders Risk Insurance questions about Heffernan Insurance Brokers versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Heffernan Insurance Brokers vs Liberty Mutual for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, Heffernan Insurance Brokers or Liberty Mutual?
- What does Heffernan Insurance Brokers or Liberty Mutual publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from Heffernan Insurance Brokers or Liberty Mutual?

**Key facts:**
- Line: Builders Risk Insurance. Providers: Heffernan Insurance Brokers and Liberty Mutual.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Heffernan Insurance Brokers vs Liberty Mutual](https://spot.insure/compare/heffernan-vs-liberty-mutual) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Heffernan Insurance Brokers vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-liberty-mutual/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Crime Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/heffernan-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Surety Bonds](https://spot.insure/compare/heffernan-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aig-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aon-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)

# Heffernan Insurance Brokers vs Liberty Mutual: How Do They Compare for Builders Risk Insurance?

Heffernan gathers project-specific builders-risk quotes from carriers, while Liberty Mutual describes its own proprietary form and Specialty Property offering.

## How to Use the Heffernan Insurance Brokers vs Liberty Mutual Builders Risk Insurance Comparison

Use this comparison to evaluate Heffernan Insurance Brokers and Liberty Mutual for Builders Risk Insurance 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.

## Heffernan Insurance Brokers vs Liberty Mutual Builders Risk Insurance Summary

Heffernan's construction brokers gather quotes from multiple carriers and customize coverage to the project; Liberty Mutual lists a proprietary form and Specialty Property offering. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk")

## What Is Heffernan Insurance Brokers?

Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [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 Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [5](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [6](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [12](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

## What Are the Key Differences Between Heffernan Insurance Brokers and Liberty Mutual Builders Risk Insurance?

### Carrier Search and Project Fit

Heffernan's construction brokers place builders risk with insurance carriers and say they tailor coverage to a project's details; buyers provide its budget, timeline, and construction type so the brokers can gather quotes. Liberty Mutual lists its proprietary builders-risk form and a stand-alone Specialty Property offering. With Heffernan, you can ask which markets considered the project; with Liberty Mutual, ask which product form and underwriting criteria fit it. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk")

### Construction Property and Risk Support

Heffernan describes physical-damage protection during construction, including fire, theft, and weather, and names a dedicated Wrap Up Solutions team among its construction contacts. Liberty Mutual's overview lists materials, labor, management fees, temporary structures, and landscaping, and describes underwriting, risk-engineering, and claims teams for complex property risks. If you need project-specific support, compare Heffernan's wrap-up contact route with the services attached to Liberty Mutual's proposal. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [7](https://business.libertymutual.com/commercial-solutions/property/ "Property")

## What Should You Confirm in Heffernan Insurance Brokers and Liberty Mutual Builders Risk Insurance Quotes?

- Ask Heffernan which carriers quoted the project and whether its wrap-up team supports your particular project structure. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance")
- Ask Liberty Mutual which form applies and whether its property and engineering teams will provide project-level risk services. [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk")
- Compare named causes of loss, construction phases, limits, and deductibles in both policy forms. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [7](https://business.libertymutual.com/commercial-solutions/property/ "Property")

## Heffernan Insurance Brokers vs Liberty Mutual Builders Risk Compared

| Criteria | Heffernan Builders Risk Insurance | Liberty Mutual Builder’s Risk |
| --- | --- | --- |
| 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page description of the builders risk offering. Does not establish a specific carrier relationship..) | Liberty Mutual lists Builder’s Risk in its property portfolio and describes both a named proprietary form and a stand-alone Specialty Property offering. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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.' [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the construction page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) | Confirm in your quote. |
| 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page sector list and client-count claim; client count is company-reported and not independently verified..) | The page addresses contractors and property owners with single projects or portfolios and describes construction projects ranging from buildings to infrastructure; its published project thresholds apply only to the named program option. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page product description; specific insuring agreements, exclusions and endorsements are not detailed on the page..) | The builder’s-risk page describes protection during construction, including materials, labor, construction-management fees, temporary structures and landscaping materials; actual coverage remains form-specific. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the construction page's Builders Risk FAQ section on 2026-09-23. This is general market information, not a Heffernan-issued quote..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page practice-leader contact block..) | Liberty Mutual describes property underwriting, risk-engineering and claims teams working together on complex property risks. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page contact route and FAQ process description..) | Confirm in your quote. |

## Related Pages for Heffernan Insurance Brokers vs Liberty Mutual

- [Heffernan Insurance Brokers vs Liberty Mutual](https://spot.insure/compare/heffernan-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [Heffernan Insurance Brokers vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-liberty-mutual/business-owners-policy)
- [Heffernan Insurance Brokers vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/cargo-transit)
- [Heffernan Insurance Brokers vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/commercial-auto)
- [Heffernan Insurance Brokers vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/commercial-property)
- [Heffernan Insurance Brokers vs Liberty Mutual Crime Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/crime)
- [Heffernan Insurance Brokers vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/cyber)
- [Heffernan Insurance Brokers vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/employment-practices)
- [Heffernan Insurance Brokers vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/heffernan-vs-liberty-mutual/fidelity-bonds)
- [Heffernan Insurance Brokers vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/fiduciary)
- [Heffernan Insurance Brokers vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/general-liability)
- [Heffernan Insurance Brokers vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/medical-malpractice)
- [Heffernan Insurance Brokers vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/professional-errors-omissions)
- [Heffernan Insurance Brokers vs Liberty Mutual Surety Bonds](https://spot.insure/compare/heffernan-vs-liberty-mutual/surety-bonds)
- [Heffernan Insurance Brokers vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/workers-compensation)
- [AIG vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aig-vs-heffernan/builders-risk)
- [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk)
- [Alliance Risk vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/builders-risk)
- [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk)
- [Aon vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aon-vs-heffernan/builders-risk)
- [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk)

## Sources for Heffernan Insurance Brokers vs Liberty Mutual

### Sources About 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. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). 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.

### Sources About Liberty Mutual

5. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
6. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
7. [Property](https://business.libertymutual.com/commercial-solutions/property/). Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy.. Accessed 2026-09-29.
8. [Builder’s risk](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk). Liberty Mutual Business Insurance; Official product page: single-project or portfolio scope; contractors and property owners; Premier Protector — Builder’s Risk and stand-alone Specialty Property offerings; covered materials, labor, construction management fees, temporary structures and landscaping materials. Source also describes project-specific program design, underwriting and claims support.. Accessed 2026-09-30.

### Sources for the Builders Risk Insurance Guide

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
11. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
12. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Heffernan Insurance Brokers Review Scores for 2026

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews).

## Liberty Mutual Review Scores for 2026

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/heffernan-vs-liberty-mutual/builders-risk.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)