--- title: "Heffernan vs Lockton" description: "Compare Heffernan and Lockton for global technology programs, retained risk and claims-advocacy responsibilities." canonical: "https://spot.insure/compare/heffernan-vs-lockton" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Heffernan Insurance Brokers", "Lockton"] --- [Human-readable page](https://spot.insure/compare/heffernan-vs-lockton) # Heffernan vs Lockton Compare Heffernan and Lockton for global technology programs, retained risk and claims-advocacy responsibilities. ## Research Scope and Use Use this comparison to evaluate Heffernan Insurance Brokers and Lockton against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Heffernan and Lockton both provide insurance brokerage and risk services for technology businesses. Heffernan emphasizes later-stage and self-insurance strategies; Lockton describes contract review, international program design and integrated claims advocacy. [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [28](https://global.lockton.com/us/en/technology "Technology") [27](https://global.lockton.com/us/en "Lockton United States") ## Introduction Heffernan Insurance Brokers and Lockton both arrange insurance and risk services for technology businesses. Heffernan emphasizes later-stage companies and self-insurance strategies; Lockton’s technology practice describes contract review, international program design and claims advocacy. A scaling company should compare the proposed work plan and team rather than the breadth of either firm’s marketing. [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [28](https://global.lockton.com/us/en/technology "Technology") [27](https://global.lockton.com/us/en "Lockton United States") ## Documented Provider Strengths ### Heffernan Insurance Brokers - The technology practice markets brokerage to mid- and late-stage companies, including VC-funded, pre-IPO, and globally expanding firms. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.) - Heffernan describes full-service claims consulting, including workers’ compensation carrier liaison and medical triage. [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Company descriptions of advocacy and a specialty cargo claims unit. Speed, “$1 billion managed,” and “up to 75% faster” figures are not adopted as verified performance.; verified: 2026-09-16.) ### Lockton - Lockton describes itself as a privately held independent broker for risk, employee benefits and retirement, not as the insurer on the policies it places. [27](https://global.lockton.com/us/en "Lockton United States") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [46](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.) - US pages list brokerage for cyber and privacy, directors and officers, casualty (including general and product liability, auto, cargo, umbrella and workers’ compensation), property, fiduciary liability and employee benefits. [28](https://global.lockton.com/us/en/technology "Technology") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [30](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [32](https://global.lockton.com/us/en/products-services/property "Property Insurance") [33](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [34](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [35](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Heffernan Insurance Brokers | Lockton | | --- | --- | --- | | Builders risk | Listed [15](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") | Not listed | | Business owner’s policy | Listed [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Not listed | | Cargo and transit | Listed [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Listed [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | Commercial auto | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | Commercial property | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [32](https://global.lockton.com/us/en/products-services/property "Property Insurance") | | Crime | Listed [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Cyber liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [28](https://global.lockton.com/us/en/technology "Technology") | | Directors and officers | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [30](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [28](https://global.lockton.com/us/en/technology "Technology") | | Employee health and benefits | Listed [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") | Listed [34](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") | | Employment practices liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Fidelity bonds | Listed [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Not listed | | Fiduciary liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [35](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") | | General liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | Hired and non-owned auto | Listed [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Not listed | | Key person | Not listed | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Kidnap and ransom | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Not listed | | Last-mile delivery | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Management liability | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Medical malpractice | Listed [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") | Not listed | | Product liability | Not listed | Listed [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | Professional liability / E&O | Listed [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Representations and warranties | Listed [20](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Surety bonds | Listed [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [13](https://www.heffins.com/quick-insure/ "Quick Insure") | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Trucking | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Umbrella and excess liability | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Listed [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | Workers’ compensation | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed [33](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Heffernan Insurance Brokers and Lockton ### Global Growth Needs a Placement Plan Heffernan discusses global exposures and alternative arrangements, including large deductibles and partial self-insurance. Lockton describes international program design and property placement through global markets. Ask how the team will map foreign entities, contracts and assets to local and parent-company policies, and which losses the company would retain. A global practice does not establish eligibility or insurer access for every country and product. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [28](https://global.lockton.com/us/en/technology "Technology") [32](https://global.lockton.com/us/en/products-services/property "Property Insurance") ### Specify the Claim Work Before a Loss Lockton describes mapping claim facts to policies, preparing presentations and working with insurer lawyers and adjusters. Heffernan describes carrier liaison and claims consulting across workers’ compensation and other commercial lines. Ask for examples of the work included in your engagement, such as coordinating notice across insurers or responding to a coverage reservation. These are advocacy functions, not a transfer of the insurer’s payment obligations to the broker. [37](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") ### The Agreement Should Explain Authority and Cost Lockton’s terms allow intermediaries and several compensation forms, and say it generally lacks authority to bind insurers except in disclosed circumstances. Heffernan’s public business pages do not set a standard engagement fee or commission. Obtain a placement-specific explanation of who negotiates, who confirms binding and which services are separately charged. A team introduction or accepted proposal is not sufficient evidence that every insurer has committed. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [12](https://www.heffins.com/contact-us/ "Contact Us") ## What to Confirm in Quotes Request a country-and-entity schedule, market plan, retained-risk analysis and named claims advocate. Confirm the legal producer and California authority rather than relying on company-issued license displays. Ask whether commissions remain earned after cancellation and which obligations continue if the broker appointment changes. [47](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [12](https://www.heffins.com/contact-us/ "Contact Us") ## Service Comparison Heffernan vs Lockton: documented services and availability. | Criteria | Heffernan Insurance Brokers | Lockton | | --- | --- | --- | | Business role | Heffernan describes itself as an insurance broker and risk manager that shops markets, presents options, and places coverage with insurance carriers. It is not identified in the reviewed pages as the insurer that issues or pays claims on a buyer’s policy. Privacy language says it may share underwriting information with non-affiliated parties to solicit quotations from insurance carriers. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [5](https://www.heffins.com/privacy-statement/ "Privacy Statement") [1](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Company-reported; scope: Company-described broking role. Do not infer underwriting authority for all products from the marine-cargo program’s in-house authority language.; verified: 2026-09-16.)

Public pages and a 26 August 2026 company release use the name Heffernan Insurance Brokers and display California license number 0564249. They identify F. Michael Heffernan as President and CEO. The reviewed official pages do not print a longer corporate legal name such as an “Inc.” suffix. Confirm the contracting producer name on the engagement agreement and policy. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [24](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html "Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.") [2](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Brand and license-number display only. Not independent license verification or a complete legal-entity chart.; verified: 2026-09-16.)

Heffernan’s current site says it has been independent and employee-owned since 1988. A 2019 SkyKnight Capital announcement described a minority investment that recapitalized Heffernan’s ESOP while management said the firm would retain a culture of employee ownership. Current ownership percentages were not disclosed in the 2026 pages reviewed. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [2](https://www.heffins.com/about-us/our-story/ "Our Story") [25](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth "SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth") (Evidence: Company-reported; scope: Company and investor announcements. Not a current cap-table verification.; verified: 2026-09-16.)

Heffernan Network Insurance Brokers is described as a wholly owned subsidiary, formerly OLI Insurance Services, that acquires or partners with independent agencies. Costero Brokers Ltd. appears as Heffernan’s London location listing. Heffernan Benefit Advisors is the name used on the employee-benefits page. These related names do not by themselves identify the producer or insurer on a California technology policy. [21](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/ "Heffernan Network Insurance Brokers") [22](https://www.heffins.com/about-us/locations/costero-brokers-ltd/ "London, UK – Costero Brokers") [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") [3](https://www.heffins.com/about-us/locations/ "Our Locations") (Evidence: Company-reported; scope: Official related-entity descriptions. Costero’s FCA status and Heffernan’s exact current ownership of Costero were not independently verified in this draft.; verified: 2026-09-16.) | Lockton’s US site describes the firm as an independent insurance brokerage that arranges customized risk, employee benefits and retirement solutions. US Terms of Business treat Lockton Companies, LLC and affiliated Lockton companies as intermediaries that market, place and service insurance, not as the risk-bearing insurer on a placed policy. [27](https://global.lockton.com/us/en "Lockton United States") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [46](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)

Public US terms name Lockton Companies, LLC (and Series, subsidiaries and affiliates) as the brokerage group and Lockton, Inc. as the website operator. Certificates produced by Lockton also use the California DBA Lockton Insurance Brokers, LLC. Confirm the legal name on any broker-of-record or services agreement; these pages do not by themselves establish which entity would be appointed for a California company. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [40](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [47](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.)

Lockton-produced certificates print California license number 0F15767 for Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC. Current license status, classes and expiration remain independently unverified. Treat California producer authority as unresolved until a regulator record or the proposed engagement papers are checked. [47](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [48](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; verified: 2026-09-16.) | | Customer focus | Heffernan Insurance Brokers is an independent retail brokerage that arranges business insurance, personal insurance, employee benefits, and financial-services products. Its technology practice says it specializes in mid- to late-stage technology companies, including venture-funded startups, pre-IPO companies, and firms using enterprise risk or self-insurance strategies. A separate small-business division describes serving sole proprietors through fast-growing companies, including technology businesses. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.) | Lockton markets to organizations seeking risk, benefits and retirement brokerage. Its US technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Separate pages address private-equity firms, including portfolio-company programs. The reviewed pages do not publish a minimum company size, funding stage or revenue floor for technology clients. [27](https://global.lockton.com/us/en "Lockton United States") [28](https://global.lockton.com/us/en/technology "Technology") [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: US technology, homepage and private-equity service pages. Presence of a technology practice is not an eligibility guarantee for a bootstrapped or early-stage startup.; verified: 2026-09-16.) | | Coverage lines | The business-insurance page lists general liability, commercial property, commercial auto, workers’ compensation, and global/foreign exposures among basic coverages it can provide. Corporate and executive protection listed there includes employment-practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom. The small-business page also lists errors and omissions and a business owner’s policy among coverages it can provide. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Direct offering lists. Labels are marketed brokerage capabilities, not policy wording, limits, or a promise that every technology applicant will be offered each line.; verified: 2026-09-16.)

Specialty practices list additional products: builders risk for construction projects; marine cargo, logistics E&O, and surety bonds in the cargo program; trucking, final-mile delivery, motor truck cargo, and umbrella or excess in transportation; medical malpractice in healthcare; crime, fidelity/employee-dishonesty bonds, and hired/non-owned auto in the home-care program; and representations-and-warranties insurance in the private-equity and M&A practice. Employee benefits are offered separately through Heffernan Benefit Advisors, including group medical, dental, vision, life, and disability examples. [15](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [20](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") (Evidence: Company-reported; scope: Direct practice pages. Home-care “all states” language is not used as a California eligibility finding. Technology-page FAQ coverage examples were not used as the catalogue.; verified: 2026-09-16.)

For buyers trying to control total cost of risk, Heffernan describes loss-sensitive and alternative arrangements including self-insurance, partial self-insurance, large deductibles, and captives. The technology page separately discusses self-insurance strategies for later-stage companies. These are options to evaluate in a proposal, not a standard policy form. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Company-described capabilities. Captive feasibility, funding, and domicile are not established by the marketing copy.; verified: 2026-09-16.) | For technology clients, Lockton highlights cyber liability and directors and officers liability, plus related services such as contract review and international program design. Dedicated US product pages describe brokerage for casualty lines (auto, cargo, general and product liability, umbrella and excess, workers’ compensation), commercial property, fiduciary liability for employee-benefit-plan fiduciaries, and People Solutions employee benefits. A private-equity capabilities list also names errors and omissions, crime and financial-institution bonds, employment practices liability, surety, key-person insurance, transaction insurance including representations and warranties, and portfolio-company programs. Actual policy wording, limits and whether a given buyer is offered those lines remain quote-dependent. [28](https://global.lockton.com/us/en/technology "Technology") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [30](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [32](https://global.lockton.com/us/en/products-services/property "Property Insurance") [33](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [34](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [35](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.) | | Availability | Heffernan says it has a nationwide presence, lists U.S. offices from California to Florida, and states that website content is intended for U.S. users except where otherwise specified. The technology practice says nearly all of its clients operate globally and that it serves major metropolitan hubs. The reviewed pages do not publish a product-by-state eligibility schedule for technology insurance. Office locations and nationwide marketing do not establish that a particular California or other-state policy is available. [2](https://www.heffins.com/about-us/our-story/ "Our Story") [3](https://www.heffins.com/about-us/locations/ "Our Locations") [5](https://www.heffins.com/privacy-statement/ "Privacy Statement") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [1](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Not publicly disclosed; scope: No independently verified 50-state licensure or worldwide product availability. Home-care “all states” copy is not extrapolated to technology placements.; verified: 2026-09-16.)

Heffernan displays California license number 0564249 in its site footer and in a 2026 company news release. Current producer-license status, license class and authorized lines remain independently unverified. A displayed number is not by itself proof that a given product can be sold in California. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [24](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html "Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.") [26](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "California License Number Search") (Evidence: Not found in reviewed sources; scope: Accessed 16 September 2026. Empty CDI form is not a failed license or an adverse finding. No attempt to bypass access controls.; verified: 2026-09-16.) | Lockton publishes a US regional site, a Kansas City headquarters address, and California office listings in San Francisco, Los Angeles and Irvine under the heading Lockton Insurance Brokers. Those offices and the US website do not establish that a particular product is available to a California-domiciled company, or in every US state. Terms of Business also contemplate surplus-lines placements when admitted markets are not used. [42](https://global.lockton.com/us/en/offices "Offices - Lockton US") [43](https://global.lockton.com/offices/usa-san-francisco "Lockton Insurance Brokers - San Francisco") [44](https://global.lockton.com/offices/usa-los-angeles "Lockton Insurance Brokers - Los Angeles") [45](https://global.lockton.com/offices/usa-irvine "Lockton Insurance Brokers - Irvine") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Office directories and US site. No published state-by-state eligibility matrix was found. California office presence is not treated as California coverage eligibility.; verified: 2026-09-16.) | | Fees and compensation | A public fee schedule, commission percentage, or premium range for Heffernan’s ordinary business-insurance or technology brokerage was not found on the reviewed homepage, business, technology, contact, privacy, or Quick Insure pages. Request an account-specific disclosure of brokerage fees, insurer commissions, contingent or supplemental compensation, and any separately billed services. Absence of a published schedule does not mean the work is unpaid. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [12](https://www.heffins.com/contact-us/ "Contact Us") [5](https://www.heffins.com/privacy-statement/ "Privacy Statement") [13](https://www.heffins.com/quick-insure/ "Quick Insure") (Evidence: Not found in reviewed sources; scope: Public commercial pricing search on 16 September 2026. Educational FAQ dollar ranges and Irish Heffernan.ie commission PDFs are out of scope and were not used.; verified: 2026-09-16.) | US Terms of Business say Lockton may be paid insurer commissions (a percentage of premium), negotiated client fees in lieu of or in addition to commissions, additional compensation such as contingent or supplemental commissions, insurer service fees (including for some managing-general-agency or analytics work), compensation involving affiliate Lockton Re, LLC on reinsurance placements, and interest or premium-finance related income. Commissions are described as fully earned at inception unless law or insurer contracts say otherwise. The terms tell clients to ask their Lockton representative for account-specific compensation. No public fee schedule, commission percentages or typical startup pricing appears on the reviewed pages. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; verified: 2026-09-16.) | ## Related Reading - [What Is Heffernan Insurance Brokers?](https://spot.insure/insurance-providers/heffernan) - [What Is Lockton?](https://spot.insure/insurance-providers/lockton) ## Related Comparisons - [Alliance Risk vs Heffernan Insurance Brokers](https://spot.insure/compare/alliance-risk-vs-heffernan) - [Alliance Risk vs Lockton](https://spot.insure/compare/alliance-risk-vs-lockton) - [Amelia Risk vs Heffernan](https://spot.insure/compare/amelia-risk-vs-heffernan) - [Amelia Risk vs Lockton](https://spot.insure/compare/amelia-risk-vs-lockton) - [Armilla vs Heffernan Insurance Brokers](https://spot.insure/compare/armilla-vs-heffernan) - [Armilla vs Lockton](https://spot.insure/compare/armilla-vs-lockton) - [At-Bay vs Heffernan Insurance Brokers Insurance](https://spot.insure/compare/at-bay-vs-heffernan) - [At-Bay vs Lockton Insurance](https://spot.insure/compare/at-bay-vs-lockton) - [Beazley vs Heffernan](https://spot.insure/compare/beazley-vs-heffernan) - 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[Heffernan Insurance Brokers](https://www.heffins.com/). Heffernan Insurance Brokers; What we offer; Independent since 1988; Built for what’s next; footer copyright and License #0564249; Quick Insure; Get a quote; Propeller bond-portal disclaimer. Accessed 2026-09-16. 2. [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. 3. [Our Locations](https://www.heffins.com/about-us/locations/). Heffernan Insurance Brokers; Nationwide coverage heading; Walnut Creek corporate headquarters; Bay Area and other California offices; Pacific Northwest, Mountain West, Northeast, Southeast, Honolulu; London Costero listing; footer License #0564249. Accessed 2026-09-16. 4. [Walnut Creek](https://www.heffins.com/about-us/locations/walnut-creek/). Heffernan Insurance Brokers; Corporate headquarters; founded 1988 in Walnut Creek. Accessed 2026-09-16. 5. [Privacy Statement](https://www.heffins.com/privacy-statement/). Heffernan Insurance Brokers; Collection for professional services; disclosure to non-affiliated third parties to solicit quotations from insurance carriers; website content developed in the United States and intended for U.S. users except where otherwise specified. Accessed 2026-09-16. 6. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Basic coverages list; corporate and executive protection list; alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16. 7. [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 treated as educational, not a product catalogue.. Accessed 2026-09-16. 8. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Sole proprietors to fast-growing companies; types of coverage we can provide; industry list including Technology. Accessed 2026-09-16. 9. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Cyber risk team that determines exposure, shops the market, presents options, and guides coverage selection. FAQ cost ranges treated as educational, not a price schedule.. Accessed 2026-09-16. 10. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Full-service claims consulting; workers’ compensation strategy and carrier liaison; medical triage; general liability, auto and property advocacy; vendor compliance tools. Outcome and speed claims are company-reported.. Accessed 2026-09-16. 11. [Health Insurance services](https://www.heffins.com/employee-benefits/). Heffernan Insurance Brokers; Heffernan Benefit Advisors; large and small group employee benefits, dental, vision, life and disability, voluntary benefits, Medicare; Administration and Advocacy. Accessed 2026-09-16. 12. [Contact Us](https://www.heffins.com/contact-us/). Heffernan Insurance Brokers; Unsubmitted Contact Form 7: First Name, Last Name, Email, Phone, Insurance Needed, Description of Operations; Select Need A Quote / Other / Would like to speak with someone; Submit. No premium displayed.. Accessed 2026-09-16. 13. [Quick Insure](https://www.heffins.com/quick-insure/). Heffernan Insurance Brokers; Fast quotes for personal and business insurance; business tiles including Short Term General Liability, Surety, Special Event Insurance, Peer-to-Peer Car Rental; Trusted Providers copy without named carriers. Accessed 2026-09-16. 14. [Short-Term General Liability](https://www.heffins.com/short-term-general-liability/). Heffernan Insurance Brokers; Partnership with Thimble Insurance Services for on-demand general liability; eligibility, pricing and coverage may vary by state; non-binding indication disclaimer. Accessed 2026-09-16. 15. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). Heffernan Insurance Brokers; We offer customized builders risk coverage; contractor sectors served. FAQ cost percentages treated as educational.. Accessed 2026-09-16. 16. [Marine Cargo](https://www.heffins.com/business-insurance/marine-cargo/). Heffernan Insurance Brokers; Coverage options including marine cargo, E&O and surety bonds; in-house underwriting authority; exclusive access to major insurance carriers (unnamed); dedicated claims division with settlement authority. Accessed 2026-09-16. 17. [Transportation Insurance](https://www.heffins.com/business-insurance/transportation/). Heffernan Insurance Brokers; Appointed with top transportation carriers (unnamed); trucking and final mile delivery subsectors; exclusive and sponsored products including auto liability, motor truck cargo, umbrella, workers’ compensation, cyber and management liability. Accessed 2026-09-16. 18. [Healthcare Insurance for Health Care Services](https://www.heffins.com/business-insurance/health-care/). Heffernan Insurance Brokers; Medical Malpractice listed among healthcare services; relationships with the nation’s top insurance carriers (unnamed); captives and self-insurance options. Accessed 2026-09-16. 19. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for list including workers’ compensation, general and professional liability, EPL, owned auto, non-owned and hired auto, crime, employee dishonesty bond, cyber, medical billing E&O, and property. “Covering all states” is company-reported, not a verified eligibility schedule.. Accessed 2026-09-16. 20. [Private Equity and M&A](https://www.heffins.com/business-insurance/private-equity-and-ma/). Heffernan Insurance Brokers; Representation & Warranty (RWI) Insurance; transactional risk list including contingent, environmental, tax and litigation buyout; HIB Private Equity and M&A Practice. Accessed 2026-09-16. 21. [Heffernan Network Insurance Brokers](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/). Heffernan Insurance Brokers; Formerly OLI Insurance Services; wholly owned subsidiary; agency acquisition and perpetuation; exclusive carrier access described for partner agencies. Accessed 2026-09-16. 22. [London, UK – Costero Brokers](https://www.heffins.com/about-us/locations/costero-brokers-ltd/). Heffernan Insurance Brokers; Costero Brokers Ltd. London office listing; full-service London brokerage; link to costerobrokers.com. Accessed 2026-09-16. 23. [Modern Brokerage Solutions](https://www.heffins.com/about-us/modern-brokerage-solutions/). Heffernan Insurance Brokers; Independent brokerage; digital document access and service activity status; TrustLayer and Quick Insure mentions; AI workflow claims for claims administration. Outcome claims are company-reported.. Accessed 2026-09-16. 24. [Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html). Heffernan Insurance Brokers via PR Newswire; 26 August 2026 release; Walnut Creek; independent brokerage; F. Michael Heffernan, President and CEO; License #0564249 in about block. Accessed 2026-09-16. 25. [SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth). InsuranceNewsNet reprint of SkyKnight Capital BusinessWire; 22 July 2019 announcement; minority investment; ESOP recapitalization; Mike Heffernan quote on retaining employee ownership. Historical ownership event; current cap table not independently verified.. Accessed 2026-09-16. 26. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Search form inspected 16 September 2026; no license-number query submitted; page showed empty search results (“No data”). No status or legal-name conclusion drawn from the empty form.. Accessed 2026-09-16. ### [Lockton Official Website](https://global.lockton.com/us/en) 27. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16. 28. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16. 29. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16. 30. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16. 31. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers compensation; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team. Accessed 2026-09-16. 32. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery; no centralized broking centers claim. Accessed 2026-09-16. 33. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16. 34. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16. 35. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16. 36. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities list including D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person, and benefits design. Accessed 2026-09-16. 37. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16. 38. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16. 39. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16. 40. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16. 41. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16. 42. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16. 43. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16. 44. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16. 45. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16. 46. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16. 47. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16. 48. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry landing page; interactive lookup not completed with a returned license detail record in this research pass. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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