---
title: "Heffernan Insurance Brokers vs Mylo Business Owner’s Policy"
description: "Mylo compares 40-plus BOP carriers and includes interruption; Heffernan places SBA-size packages and researches unlisted niches."
canonical: "https://spot.insure/compare/heffernan-vs-mylo/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-mylo/business-owners-policy)

# Heffernan Insurance Brokers vs Mylo Business Owner’s Policy

Mylo compares 40-plus BOP carriers and includes interruption; Heffernan places SBA-size packages and researches unlisted niches.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and Mylo for Business Owner’s Policy 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.

## Summary

Mylo brokers a BOP that it describes as general liability, commercial property and business interruption, shopping more than 40 A-rated carriers. Heffernan places a property-and-liability package for SBA-size firms and will research industries not on its list, without naming interruption or a carrier panel on the reviewed page. [7](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [5](https://choosemylo.com/business/business-insurance "Business Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## What Is Heffernan Insurance Brokers?

Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. [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 Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [5](https://choosemylo.com/business/business-insurance "Business Insurance") [6](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [8](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Named Carrier Panel Versus Unnamed Placement

Mylo says it partners with more than 40 A-rated commercial insurers and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples, still without identifying the issuer for a specific BOP. Heffernan places the line through its small-business division and does not name an issuing insurer on the reviewed page. Both describe themselves as arranging coverage rather than underwriting it. [5](https://choosemylo.com/business/business-insurance "Business Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### Three Coverages Versus a General Bundle

Mylo lists general liability, commercial property, and business interruption on an actual-loss-sustained basis during a covered shutdown, and says packaging those three typically costs less than buying them separately. Heffernan describes a BOP as combining major property and liability risks without detailing interruption or those three named parts. [7](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### Online Recommendation Versus Industry Research

Mylo lets you shop through its Mind of Mylo tool or by phone, with agents licensed in all 50 states, and lists a BOP among coverages most owners start with. Heffernan targets SBA-defined small companies across named industries and offers custom research for unlisted niches; its reviewed page does not describe a 50-state online shopping tool. [5](https://choosemylo.com/business/business-insurance "Business Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## What to Confirm in Business Owner’s Policy Quotes

- Ask Mylo which carrier on its panel would issue the BOP. [5](https://choosemylo.com/business/business-insurance "Business Insurance")
- Ask Heffernan which insurer would write the policy and whether your niche needs custom research. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Confirm whether interruption is included on both quotes. [7](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Compare limits; neither page publishes them. [7](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## Offering Details

| Criteria | Heffernan Business Owner's Policy (BOP) | Mylo Business Owner's Policy |
| --- | --- | --- |
| Role in This Line | Heffernan's small-business division arranges a business owner's policy (BOP) for small and growing companies as one of several coverages it places. Heffernan describes itself as the source businesses go to for insurance, not as the insurer. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page description of the division and its BOP offering..) | Mylo brokers a business owner's policy by comparing quotes from multiple carriers rather than underwriting the policy itself. [7](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [5](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: BOP product page and the business-insurance overview page..) |
| Issuing Insurer | The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) | Mylo says it partners with more than 40 A-rated commercial insurance carriers and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples, but neither page identifies which carrier would issue a specific business's BOP. [5](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ; the carrier panel is described company-wide, not BOP-specific..) |
| Who It’s For | Heffernan's small-business insurance targets companies the U.S. Small Business Administration defines as having fewer than 500 employees or less than $7 million in annual receipts, ranging from sole proprietors working from home to fast-growing companies, across industries it lists including construction, food, health care, hospitality, real estate, technology and transportation. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page's eligibility and industry-list sections..) | Mylo's business-insurance overview page lists a BOP among the coverages most owners start with, alongside commercial auto, workers' compensation and commercial umbrella, and says it gives each business a personalized coverage recommendation. [5](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page..) |
| Coverage Features | Heffernan describes a business owner's policy as a package that combines protection for a company's major property and liability risks in one bundle, assembling the basic coverages a business owner needs. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there..) | Mylo describes its BOP as bundling three coverages: general liability for third-party bodily injury, property damage and advertising-injury claims; commercial property for damage to a business's building and business personal property from causes such as fire, storm, theft or vandalism; and business interruption for lost income (actual loss sustained) during a covered shutdown. [7](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page coverage sections; the issued policy and its exclusions control..)<br><br>Mylo says packaging these three coverages in a BOP instead of buying them separately typically costs less and can provide better coverage than buying each individually. [7](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page FAQ; a general company statement, not a quoted savings figure for any specific business..) |
| Limits and Retentions | The small-business page does not publish BOP limits, deductibles or premium ranges. It cites only general statistics on the cost of small-business lawsuits, not Heffernan's own policy terms. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Small Business Insurance page on 2026-09-23..) | Neither the BOP product page nor the business-insurance overview page publishes specific coverage limits, deductibles or premium ranges. [7](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [5](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| Risk Services | Heffernan says its small-business division focuses entirely on the needs of small-business clients and will research and build a custom-designed package for an industry or niche not listed on the page. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page description of the division's approach..) | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | Mylo says a buyer can shop for a BOP online through its Mind of Mylo recommendation tool or by phone with a licensed advisor (844-863-5950), and that Mylo has agents licensed in all 50 states. [5](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ..) |

## Full Comparison

- [Heffernan Insurance Brokers vs Mylo](https://spot.insure/compare/heffernan-vs-mylo): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Heffernan Insurance Brokers vs Mylo Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-mylo/commercial-auto)
- [Heffernan Insurance Brokers vs Mylo Cyber Insurance](https://spot.insure/compare/heffernan-vs-mylo/cyber)
- [Heffernan Insurance Brokers vs Mylo Employee Health Benefits](https://spot.insure/compare/heffernan-vs-mylo/employee-health-benefits)
- [Heffernan Insurance Brokers vs Mylo General Liability Insurance](https://spot.insure/compare/heffernan-vs-mylo/general-liability)
- [Heffernan Insurance Brokers vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/heffernan-vs-mylo/medical-malpractice)
- [Heffernan Insurance Brokers vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-mylo/professional-errors-omissions)
- [Heffernan Insurance Brokers vs Mylo Surety Bonds](https://spot.insure/compare/heffernan-vs-mylo/surety-bonds)
- [Heffernan Insurance Brokers vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-mylo/workers-compensation)
- [Alliance Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-heffernan/business-owners-policy)
- [Alliance Risk vs Mylo Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-mylo/business-owners-policy)
- [Amelia Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-heffernan/business-owners-policy)
- [Amelia Risk vs Mylo Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-mylo/business-owners-policy)
- [Chubb vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/chubb-vs-heffernan/business-owners-policy)
- [Chubb vs Mylo Business Owner’s Policy](https://spot.insure/compare/chubb-vs-mylo/business-owners-policy)

## Sources

### 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. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Tailor-Made Insurance for Small Businesses; types of coverage we can provide including business owner's policy; industry list; U.S. Small Business Administration size definition. Accessed 2026-09-23.

### Mylo

5. [Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; What insurance does a small business need?; Why Mylo? (40+ top-rated commercial insurance partners, 4.8 Google rating, BBB Accredited); What insurance carriers do you work with?; How do I shop for insurance with Mylo?. Accessed 2026-09-23.
6. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
7. [Business Owner's Policy](https://choosemylo.com/business/product-business-owners-policy). Mylo; Like you, a BOP can do three things at once!; Coverage #1: general liability; Coverage #2: commercial property; Coverage #3: Business Interruption; Business Owner Policy FAQs. Accessed 2026-09-23.

### Business Owner’s Policy Guide

8. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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