Heffernan Insurance Brokers vs Marsh Commercial Property Insurance

Heffernan lists commercial property insurance among the basic business-insurance coverages it arranges, alongside general liability, commercial auto and workers' compensation. As a broker, it places this coverage with insurance carriers rather than underwriting it itself. ³Company-reported. Business Insurance page's basic-coverages list.

Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places commercial property insurance; separately, Marsh's technology industry practice arranges property coverage for digital infrastructure such as data centers. ^8,9Company-reported. MMA property insurance page and Marsh's data center insurance page.

No insurer is named for commercial property on the reviewed page; the issuing carrier would appear on the quote and declarations. ³Not publicly disclosed. Checked the Business Insurance page on 2026-09-23.

The reviewed pages do not name a specific commercial property insurer. ^8,9Not publicly disclosed. MMA property insurance page and Marsh data center page as read on 2026-09-23.

The business insurance page lists commercial property as one of the basic coverages Heffernan can provide, without describing specific insuring agreements, limits or exclusions for the line. ³Company-reported. Business Insurance page's basic-coverages list, a single-line mention.

MMA says commercial property insurance protects an organization's physical assets, including owned or rented property, equipment and inventory, from unexpected loss events, with named options for flood, hurricane and windstorm, wildfire and earthquake coverage. ⁸Company-reported. MMA property insurance page; illustrative description, not a specific policy form.

For data centers specifically, Marsh says property coverage is typically paired with equipment breakdown, business interruption, cyber and general liability coverage to close gaps that a conventional property policy alone would leave open. ⁹Company-reported. Data center insurance page FAQ.

The business insurance page does not publish limits, deductibles or premium ranges for commercial property coverage. ³Not publicly disclosed. Checked the Business Insurance page on 2026-09-23.

Not described in the reviewed sources.

Heffernan says clients arranging its business insurance coverages, including commercial property, get access to its claims services, loss control, HR consulting, and risk management and assessment services. For buyers focused on total cost of risk, it also describes loss-sensitive and alternative risk arrangements such as self-insurance, large deductibles and captive insurance. ³Company-reported. Business Insurance page's services and alternative-risk paragraphs, described at the whole business-insurance-program level rather than specific to commercial property.

MMA says its property practice offers hazard assessment and valuation services, loss and catastrophe modeling, claims advocacy, pre- and post-loss risk control, and alternative risk solutions such as captives and parametric insurance options. ⁸Company-reported. MMA property insurance page, Benefits of Property Insurance section.

The page's call to action directs buyers to contact Heffernan Insurance Brokers directly to find out what it can do for their business, including commercial property. No separate online quoting flow specific to commercial property is described. ³Company-reported. Business Insurance page contact call to action.

You work with an MMA property specialist directly; the page names a National Accounts Property Practice Leader and describes advisor-led placement rather than an online quote. ⁸Company-reported. MMA property insurance page.