Heffernan Insurance Brokers vs Marsh: How Do They Compare for Cyber Insurance?

Both are brokers: marsh offers advisor-led placement and over $200 million of excess cyber capacity per client through Cyber ECHO, while Heffernan Insurance Brokers serves healthcare, finance, retail and tech.

Marsh's Cyber ECHO excess facility can provide over $200 million of capacity per client, with reinstatements for separate events, plus a claims-advocacy bench. Heffernan's cyber risk team shops carriers and presents options for businesses that need a placed policy rather than that excess facility. ^3,¹

What Are the Key Differences Between Heffernan Insurance Brokers and Marsh Cyber Insurance?

Excess Capacity Versus a Shopped Primary

Marsh says Cyber ECHO can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate events in a policy year. Heffernan's cyber risk team shops the market and presents options rather than publishing an excess facility of that size. Choose Marsh if you need very large excess limits and claims advocacy; choose Heffernan if you want a broker team to place a more typical cyber policy. ³ ¹

Claims Advocacy After an Incident

Marsh's global claims specialists review cyber claims, support litigation management and work with forensic accountants on proof of loss. Heffernan says a placed policy can give access to incident-response experts such as IT forensics specialists and public relations advisors. ⁴ ¹

Middle-Market Coverage List

Marsh McLennan Agency lists incident investigation, network interruption, ransomware, data restoration, and security and privacy liability, with media liability and regulatory defense as additional coverages. Heffernan describes data recovery, legal fees, notification and business interruption without that named extra-coverage menu. ⁵ ¹

What Should You Confirm in Heffernan Insurance Brokers and Marsh Cyber Insurance Quotes?

Ask Marsh or MMA which insurer would sit on your primary layer; Cyber ECHO describes excess underwriting choices, not every primary. ³
Ask Heffernan which carrier it would bind after shopping. ¹
Confirm whether Cyber ECHO's capacity is even available at your account size. ³
Ask Heffernan for a quoted premium rather than the FAQ's market range. ¹

Heffernan Insurance Brokers vs Marsh Cyber Insurance Compared

Heffernan Insurance Brokers vs Marsh: Cyber Insurance: documented features by provider

Criteria	Heffernan Cyber Security Insurance Brokerage	Marsh Cyber Insurance Brokerage
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. ¹Company-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.	MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. ⁵Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally.
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. ¹Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer.	You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. ^2,⁵Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders.
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. ¹Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected.	MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. ⁵Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement.
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. ¹Company-reported. Cyber Security Insurance page's description of the cyber risk team.	Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. ²Company-reported. Marsh corporate cyber insurance product page. Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. ⁵Company-reported. MMA cyber solutions page.