---
title: "Heffernan Insurance Brokers vs Pie Insurance Business Owner’s Policy"
description: "Pie quotes partner-carrier BOPs with interruption; Heffernan places SBA-size packages and will research unlisted industries."
canonical: "https://spot.insure/compare/heffernan-vs-pie-insurance/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-pie-insurance/business-owners-policy)

# Heffernan Insurance Brokers vs Pie Insurance Business Owner’s Policy

Pie quotes partner-carrier BOPs with interruption; Heffernan places SBA-size packages and will research unlisted industries.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and Pie Insurance 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

Pie helps small businesses find a BOP from unnamed carrier partners and describes property, liability and business interruption. Heffernan’s small-business division places a property-and-liability package for SBA-size firms across named industries and does not detail interruption on the reviewed page. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP 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 Pie Insurance?

Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. [5](https://www.pieinsurance.com/legal "Legal") [6](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [9](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

### Who Arranges Coverage

Pie says it helps small businesses find a BOP from its insurance carrier partners. Heffernan's small-business division arranges the same line as one of several coverages it places. You are buying a placed policy from an unnamed insurer on both sides until the quote names the writer. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### Property, Liability and Interruption

Pie describes commercial property against named perils, commercial liability including advertising injury, and business interruption that can cover payroll and temporary relocation after a covered catastrophe. Heffernan describes a BOP as combining major property and liability risks in one bundle and does not list interruption or those perils on the reviewed page. If shutdown costs matter, that agreement is documented on Pie's page and not on Heffernan's. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### Size and Industry Fit

Heffernan targets firms the SBA treats as small—fewer than 500 employees or less than $7 million in receipts—across construction, food, health care, hospitality, real estate, technology and transportation, and will research a custom package for a niche not listed. Pie markets the BOP as bundled liability and property insurance for small businesses and does not publish a headcount, receipts or industry screen. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

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

- Ask Pie which carrier partner would issue the BOP. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")
- Ask Heffernan which insurer would write the policy. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Confirm interruption (payroll, relocation) on both quotes. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Ask Heffernan whether your industry is listed or needs custom research. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## Offering Details

| Criteria | Heffernan Business Owner's Policy (BOP) | Pie Business Owner's Policy (BOP) |
| --- | --- | --- |
| 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..) | Pie says it helps small businesses find the best BOP quote and coverage 'from our insurance carrier partners,' identifying itself as an intermediary for this line rather than the underwriter. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23..) |
| 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..) | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Not publicly disclosed; scope: BOP product page as read on 2026-09-23..) |
| 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..) | Pie markets BOP as liability and property insurance customized and bundled for small businesses, and cross-sells it alongside workers' compensation, cyber, and commercial auto on other small-business product pages. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23; no minimum size or industry restriction was published..) |
| 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..) | Pie describes BOP insurance as bundling commercial property coverage (building, inventory, equipment against fire, explosion, smoke, vandalism, or wind), commercial liability protection (bodily injury, property damage, advertising injury), and business interruption coverage (payroll and temporary relocation costs after a covered catastrophe). [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage..) |
| 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..) | The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Not publicly disclosed; scope: BOP product page as read 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. | Pie directs BOP buyers to contact the company to start a quote through its website; the page does not describe the same three-minute self-service flow it advertises for workers' compensation. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23..) |

## Full Comparison

- [Heffernan Insurance Brokers vs Pie Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance): 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 Pie Insurance Cyber Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance/cyber)
- [Heffernan Insurance Brokers vs Pie Insurance General Liability Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance/general-liability)
- [Heffernan Insurance Brokers vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance/professional-errors-omissions)
- [Heffernan Insurance Brokers vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance/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 Pie Insurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-pie-insurance/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 Pie Insurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-pie-insurance/business-owners-policy)
- [Chubb vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/chubb-vs-heffernan/business-owners-policy)
- [Chubb vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-pie-insurance/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.

### Pie Insurance

5. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
6. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
7. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/online-account-tutorial). Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
8. [Business Owner's Policy | BOP Insurance](https://www.pieinsurance.com/small-business-insurance/business-owners-policy). Pie Insurance; What's typically covered by BOP insurance? Commercial Property Insurance, Commercial Liability Protection, Business Interruption Insurance; How does BOP insurance help protect small businesses?; Make sure you're covered: Start your BOP quote. Accessed 2026-09-23.

### Business Owner’s Policy Guide

9. [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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