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. 1,2,3
What Is Marsh McLennan Agency?
Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. 5,6
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 8,9
Key Differences in Cyber Insurance
Coverage and Audience
Heffernan says cyber policies it arranges can cover data recovery, legal fees, notification and business interruption, with access to IT forensics and public-relations advisers. Marsh McLennan Agency describes cyber liability and risk strategy but does not enumerate coverage or response resources. Ask Marsh McLennan Agency who coordinates forensic and communications support after an incident. 4 7
Eligibility and Risk Review
Heffernan’s cyber risk team assesses exposure, shops the market and guides coverage selection before binding. Marsh McLennan Agency invites organizations to speak with an adviser or specialist but does not detail a pre-bind assessment. For a business storing sensitive data or relying on digital operations, ask what controls the broker will review and how it compares carrier options. 4 7
Application and Support
Heffernan says cyber can fit businesses of any size handling sensitive information and names healthcare, finance, retail and technology. Marsh McLennan Agency’s exact eligibility is placement-specific. Share your data types, security measures and outage dependency with both advisers to confirm appetite and limits. 4 7
What to Confirm in Cyber Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Heffernan Insurance Brokers
Review Score
1 rated source
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.[6][7][8]
Read Heffernan Insurance Brokers reviewsMarsh McLennan Agency
Review Score
2 rated sources
There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.[8][9][1]
Read Marsh McLennan Agency reviewsOffering Details
Heffernan Insurance Brokers vs Marsh McLennan Agency: Cyber Insurance: documented features by provider
| Criteria | Heffernan Cyber Security Insurance Brokerage | Marsh McLennan Agency cyber (official overview) |
|---|---|---|
| Role in This Line | Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. 4Company-reported. Cyber Security Insurance page's description of the cyber risk team. | Marsh McLennan Agency describes arranging cyber for the audience stated on the cited product page. 7Company-reported. cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | The cyber page does not name the insurer that would issue a cyber policy arranged through Heffernan. 4Not publicly disclosed. Checked the Cyber Security Insurance 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 cyber insurance is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations. 4Company-reported. Cyber Security Insurance page's FAQ answer on who needs cyber insurance; this is general educational content on Heffernan's own page rather than a stated underwriting appetite. | Organizations managing cyber exposure; exact insurer, policy form, and eligibility are placement-specific. 7Company-reported. cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. 4Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected. | The cited product page describes cyber liability and a cyber-risk management strategy as part of the executive and professional risk offering. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | The cyber page does not publish specific limits or retentions for a Heffernan-arranged cyber policy; its FAQ gives only a general premium range of a few hundred to several thousand dollars annually across the market. 4Not publicly disclosed. Checked the Cyber Security Insurance page on 2026-09-23. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 7Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. 4Company-reported. Cyber Security Insurance page's services description. | Confirm in your quote. |
| How to Apply | Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. 4Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer. | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. 7Company-reported. cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More Heffernan Insurance Brokers vs Marsh McLennan Agency Comparisons
Other Cyber Insurance Comparisons
Sources
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. 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.
- Heffernan Business Insurance Brokerage. 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.
- Cyber Security Insurance. Heffernan Insurance Brokers; Make Cyber Liability Insurance Part of Your Cyber Risk Management Plan: cyber risk team determines exposure, shops the market, presents options and guides coverage selection; incident-response access; Frequently Asked Questions on what cyber insurance covers, who needs it, cost and how to get it. Accessed 2026-09-23.
Marsh McLennan Agency
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Cyber | MMA. Marsh McLennan Agency; Cyber solution overview and cyber-risk services. Accessed 2026-09-30.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
