Heffernan Insurance Brokers vs Relm Insurance 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.

Relm markets Commercial Property Insurance as a line brokers can place for clients, paired on the same page with its inland marine and business interruption products. ⁶Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

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 page does not name a specific issuing insurer for commercial property placements. ⁶Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Not described in the reviewed sources.

Relm targets companies with costly, often specialized or custom-built physical assets, specifically naming cannabis cultivation, advanced manufacturing and aerospace as sectors traditional insurers may not adequately cover. ⁶Company-reported. Property page 'Who Needs Commercial Property Insurance?' section; not a guarantee of eligibility for a particular company.

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.

Relm says commercial property covers buildings, machinery and equipment, inventory and furniture against losses from events like fire, theft, vandalism, storm damage and some types of water damage, written as either named-perils or open-perils/all-risk. ⁶Company-reported. Property page 'What is Commercial Property Insurance?' section; the issued policy and declarations control.

Relm says the coverage excludes wear and tear, poor-maintenance damage, mold or contamination (addressed by separate environmental insurance), Acts of God such as flooding or earthquakes (needing separate policies in at-risk areas), war or terrorism, and intentional damage by employees. ⁶Company-reported. Property page 'What Does Commercial Property Insurance Not Cover?' section.

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.

Not described in the reviewed sources.

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.

Relm sells commercial property coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁶Company-reported. Property page framing; consistent with Relm's broader broker-distribution model.