--- title: "Heffernan Insurance Brokers vs Liberty Mutual: Medical Malpractice Insurance" description: "Compare Heffernan’s bundled medical-malpractice program with Liberty Mutual’s distinct healthcare liability programs." canonical: "https://spot.insure/compare/heffernan-vs-liberty-mutual/medical-malpractice" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "heffernan-vs-liberty-mutual" provider-a: "heffernan" provider-b: "liberty-mutual" coverage-line: "medical-malpractice" --- 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/medical-malpractice) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and Liberty Mutual for Medical Malpractice 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 Medical Malpractice 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 Medical Malpractice Insurance: how do they differ? - Which is better for Medical Malpractice Insurance, Heffernan Insurance Brokers or Liberty Mutual? - What does Heffernan Insurance Brokers or Liberty Mutual publish about Medical Malpractice Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Medical Malpractice Insurance from Heffernan Insurance Brokers or Liberty Mutual? **Key facts:** - Line: Medical Malpractice 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 2026-10-01. 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 - [Medical Malpractice Insurance guide](https://spot.insure/coverage/medical-malpractice) — 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 Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [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 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) - [Beazley vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-heffernan/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [Beazley vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-heffernan/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [CNA vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [Corgi vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-heffernan/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [Corgi vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line) # Heffernan Insurance Brokers vs Liberty Mutual: How Do They Compare for Medical Malpractice Insurance? Compare Heffernan’s bundled medical-malpractice program with Liberty Mutual’s distinct healthcare liability programs. ## How to Use the Heffernan Insurance Brokers vs Liberty Mutual Medical Malpractice Insurance Comparison Use this comparison to evaluate Heffernan Insurance Brokers and Liberty Mutual for Medical Malpractice 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 Medical Malpractice Insurance Summary Heffernan packages malpractice with workers’ compensation, professional liability and cyber; Liberty Mutual lists distinct healthcare professional-liability programs. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [7](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") ## 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 Medical Malpractice Insurance? Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. [8](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [9](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide") [10](https://go.curi.com/hubfs/Curi%20Physicians%20Medical%20Professional%20Liability%20Specimen%20Policy.pdf?hsLang=en "Physicians Medical Professional Liability — Specimen Policy") [11](https://resource.medpro.com/documents/10502/10752/MP-HPL-PHL-00-02%2BPhysician%2BApplication%2B(02-15)(rev%2B06.17.21).pdf "Physician Application") ## What Are the Key Differences Between Heffernan Insurance Brokers and Liberty Mutual Medical Malpractice Insurance? ### Program structure and risk financing Heffernan says it places medical malpractice with carriers and can package it alongside workers’ compensation, professional liability and cyber coverage. It also describes captive, partially self-insured and fully self-insured structures for healthcare clients. Liberty Mutual lists distinct professional-liability programs for hospitals, outpatient providers and physician groups; its reviewed record does not describe comparable self-insured options. A healthcare organization should decide whether it needs one coordinated program or first needs a specific carrier policy, then compare funding and retention details. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [7](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") ### Eligible care organizations Heffernan names physician groups, clinics, hospitals, transport companies, laboratories, allied health, home care and senior living among its healthcare clients. Liberty Mutual likewise identifies hospitals, outpatient providers and physician groups, while noting that each program has different insured professions and terms. Neither broad audience list establishes eligibility for an individual risk. Buyers should state every facility and service model, including contractors, and ask which entities and clinicians the proposed policy names. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [7](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") ## What Should You Confirm in Heffernan Insurance Brokers and Liberty Mutual Medical Malpractice Insurance Quotes? - Ask Heffernan which carriers support each proposed line and how a captive or self-insured option changes retained risk. - Ask Liberty Mutual which healthcare program includes your facilities, clinicians and service lines. ## Heffernan Insurance Brokers vs Liberty Mutual Medical Malpractice Compared | Criteria | Heffernan Healthcare Insurance — Medical Malpractice | Liberty Mutual Healthcare Professional Liability / Medical Malpractice options | | --- | --- | --- | | Role in This Line | Heffernan lists Medical Malpractice (Med Mal) as one of its named healthcare service specialties, placing coverage with carriers for health care clients rather than underwriting it. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Healthcare Insurance page as read on 2026-09-23; no dedicated medical-malpractice sub-page was found beyond this healthcare practice page..) | Liberty Mutual lists healthcare professional-liability solutions, including hospital, outpatient and physician-group coverage; the page does not use one universal medical-malpractice product name. [7](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") (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 | Heffernan says it has relationships with 'the nation's top insurance carriers' for a fully insured healthcare plan, but the reviewed page does not name a specific medical-malpractice insurer. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Not publicly disclosed; scope: Healthcare Insurance page as read on 2026-09-23..) | Confirm in your quote. | | Who It’s For | Heffernan says its health care risk-management team serves physician groups, clinics, hospitals, patient transport companies, and laboratories, plus specialty practices in allied health, home care, and senior living. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Healthcare Insurance page as read on 2026-09-23; not exclusively medical-malpractice-specific, but names the buyer types the practice serves..) | The source identifies healthcare organizations, outpatient providers, hospitals and physician groups as audiences for distinct solutions; it does not establish individual provider eligibility. [7](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") (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 says it packages medical malpractice with other healthcare coverages such as workers' compensation, professional liability, and cyber liability for a single client program. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Healthcare Insurance page as read on 2026-09-23; the page does not describe medical-malpractice insuring agreements, claims-made versus occurrence form, or limits separately from the bundled list..) | The page describes liability arising from healthcare services and names distinct professional-liability program types; terms and insured professions differ by program. [7](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") (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 | Confirm in your 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/healthcare-liability/ "Healthcare liability") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | | Risk Services | Beyond fully insured placements, Heffernan offers healthcare clients captive, partially self-insured, or fully self-insured plan structures, and says it has experience serving nonprofit health care organizations. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Healthcare Insurance page as read on 2026-09-23; described for the healthcare practice generally, not exclusively for medical malpractice..) | Liberty Mutual describes a dedicated healthcare practice offering flexible, tailored liability solutions to healthcare organizations. [7](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") (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..) | ## 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 Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice): Medical malpractice insurance can pay defense costs and covered damages from claims about patient care; match the policy to clinicians, procedures and claims-made timing. - [Heffernan Insurance Brokers vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/builders-risk) - [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 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) - [Beazley vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-heffernan/medical-malpractice) - [Beazley vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-liberty-mutual/medical-malpractice) - [CNA vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-heffernan/medical-malpractice) - [CNA vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/medical-malpractice) - [Corgi vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-heffernan/medical-malpractice) - [Corgi vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-liberty-mutual/medical-malpractice) ## 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. [Healthcare Insurance for Health Care Services](https://www.heffins.com/business-insurance/health-care/). Heffernan Insurance Brokers; Healthcare Services: Allied Health & Specialty Centers, Home Care Agencies, Medical Malpractice (Med Mal), Senior Living Communities; from physician groups, clinics, and hospitals to patient transport companies and laboratories; if you'd like a fully insured plan, we have relationships with the nation's top insurance carriers; explore captive, partially-self-insured or fully-self-insured plans; dovetail all the coverages you need — from workers' compensation to professional liability, cyber liability and more. 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. [Healthcare liability](https://business.libertymutual.com/commercial-solutions/healthcare-liability/). Liberty Mutual Business Insurance; Opened September 29, 2026. Lines 118–120 describe US healthcare liability solutions; lines 129–144 name digital-health professional liability for virtual/telehealth care, hospital professional liability, miscellaneous medical professional liability, physician-group-practice professional liability, and other healthcare-specific solutions. The source shows a mix of specialty insurance and reinsurance; map only the explicitly named healthcare coverages and preserve each program/package scope.. Accessed 2026-09-29. ### Sources for the Medical Malpractice Insurance Guide 8. [Medical Malpractice Insurance](https://content.naic.org/insurance-topics/medical-malpractice-insurance). National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16. 9. [Medical Liability Insurance shopping guide](https://www.tdi.texas.gov/commercial/pcmedmal.html). Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16. 10. [Physicians Medical Professional Liability — Specimen Policy](https://go.curi.com/hubfs/Curi%20Physicians%20Medical%20Professional%20Liability%20Specimen%20Policy.pdf?hsLang=en). Curi underwriting companies identified on specimen cover; Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13. Accessed 2026-09-16. 11. [Physician Application](https://resource.medpro.com/documents/10502/10752/MP-HPL-PHL-00-02%2BPhysician%2BApplication%2B(02-15)(rev%2B06.17.21).pdf). MedPro Group / issuing companies identified on application; I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.6. Accessed 2026-09-16. Updated 2026-10-01. 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/medical-malpractice.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)