--- title: "Heffernan vs Resilience" description: "Compare Heffernan’s broader risk program with Resilience’s cyber insurance and financial security-prioritization tools." canonical: "https://spot.insure/compare/heffernan-vs-resilience" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Heffernan Insurance Brokers", "Resilience"] --- [Human-readable page](https://spot.insure/compare/heffernan-vs-resilience) # Heffernan vs Resilience Compare Heffernan’s broader risk program with Resilience’s cyber insurance and financial security-prioritization tools. ## Research Scope and Use Use this comparison to evaluate Heffernan Insurance Brokers and Resilience against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Heffernan arranges business insurance and retained-risk strategies. Resilience combines cyber and technology E&O distribution with security-risk services, with a published revenue appetite for technology E&O. Insurance and security-service purchases are separate decisions. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [30](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [34](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") ## Introduction Heffernan Insurance Brokers arranges business insurance and advises on retained-risk strategies. Resilience distributes cyber and technology E&O and markets tools for prioritizing security spending by financial impact. For a growth-stage company, compare how the insurance placement and security plan fit the wider risk budget, rather than treating them as one purchase. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [30](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [34](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") ## Documented Provider Strengths ### Heffernan Insurance Brokers - The technology practice markets brokerage to mid- and late-stage companies, including VC-funded, pre-IPO, and globally expanding firms. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.) - Heffernan describes full-service claims consulting, including workers’ compensation carrier liaison and medical triage. [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Company descriptions of advocacy and a specialty cargo claims unit. Speed, “$1 billion managed,” and “up to 75% faster” figures are not adopted as verified performance.; verified: 2026-09-16.) ### Resilience - Technology E&O for software, hardware and technology services [30](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology-specific professional liability; not general professional E&O or a guarantee of offered limits.; verified: 2026-09-16.) - Financial risk prioritization and multi-entity cyber visibility [34](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") [35](https://cyberresilience.com/products/multi-entity-and-portfolio-risk "Multi-Entity & Portfolio Risk") (Evidence: Company-reported; scope: Current named cybersecurity products; outcomes not independently established.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Heffernan Insurance Brokers | Resilience | | --- | --- | --- | | Builders risk | Listed [15](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") | Not listed | | Business owner’s policy | Listed [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Not listed | | Cargo and transit | Listed [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Commercial auto | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Not listed | | Commercial property | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Not listed | | Crime | Listed [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Not listed | | Cyber liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed [29](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") | | Directors and officers | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Not listed | | Employee health and benefits | Listed [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") | Not listed | | Employment practices liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Not listed | | Fidelity bonds | Listed [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Not listed | | Fiduciary liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Not listed | | General liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Not listed | | Hired and non-owned auto | Listed [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Not listed | | Kidnap and ransom | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Not listed | | Last-mile delivery | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Management liability | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Medical malpractice | Listed [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") | Not listed | | Professional liability / E&O | Listed [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Not listed | | Representations and warranties | Listed [20](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") | Not listed | | Surety bonds | Listed [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [13](https://www.heffins.com/quick-insure/ "Quick Insure") | Not listed | | Technology errors and omissions | Not listed | Listed [30](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") | | Trucking | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Umbrella and excess liability | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Workers’ compensation | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Not listed | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Heffernan Insurance Brokers and Resilience ### Technology Appetite Can Determine the Starting Point Resilience’s published U.S. technology E&O appetite starts at $25 million in revenue and includes software, AI, hardware and technology services. Smaller businesses should ask about an exception rather than assume the broader cyber audience establishes technology eligibility. Heffernan has both a small-business practice and later-stage technology positioning, but the selected insurers still determine acceptance. Give the advisor the actual revenue and activity mix before requesting a program. [30](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") ### Security Prioritization Is Not Additional Coverage Resilience’s Edge focuses on security investment, while Arc addresses cyber risk across multiple entities. Heffernan discusses deductibles, self-insurance and other ways to finance retained losses. These capabilities answer different questions: which controls to fund and which losses to insure or retain. Request the assumptions and implementation responsibilities behind both analyses; a risk estimate does not extend an insurance agreement. [34](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") [35](https://cyberresilience.com/products/multi-entity-and-portfolio-risk "Multi-Entity & Portfolio Risk") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") ### Separate the Service Agreement from the Policy Resilience states that insurance purchase is not tied to buying its security services. Its U.S. disclosure identifies Ocrea as distributor and names Homeland insurers without selecting the issuer for a California quote. Heffernan provides brokerage and claims consulting. Ask which services are included, who receives incident notice and which entity owes the policy benefits; neither brand alone supplies all those answers. [28](https://cyberresilience.com/disclaimer/ "Disclaimer") [32](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") ## What to Confirm in Quotes Confirm technology revenue eligibility, primary or excess structure, the California placement basis and legal insurer. Request separate prices and agreements for security services, plus renewal and incident responsibilities. Ask the placing broker to confirm access to the Resilience product; a general brokerage practice is not evidence of that appointment. [31](https://cyberresilience.com/brokers "Brokers") [36](https://cyberresilience.com/terms-and-conditions/ "Terms and Conditions") [28](https://cyberresilience.com/disclaimer/ "Disclaimer") [12](https://www.heffins.com/contact-us/ "Contact Us") ## Service Comparison Heffernan vs Resilience: documented services and availability. | Criteria | Heffernan Insurance Brokers | Resilience | | --- | --- | --- | | Business role | Heffernan describes itself as an insurance broker and risk manager that shops markets, presents options, and places coverage with insurance carriers. It is not identified in the reviewed pages as the insurer that issues or pays claims on a buyer’s policy. Privacy language says it may share underwriting information with non-affiliated parties to solicit quotations from insurance carriers. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [5](https://www.heffins.com/privacy-statement/ "Privacy Statement") [1](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Company-reported; scope: Company-described broking role. Do not infer underwriting authority for all products from the marine-cargo program’s in-house authority language.; verified: 2026-09-16.)

Public pages and a 26 August 2026 company release use the name Heffernan Insurance Brokers and display California license number 0564249. They identify F. Michael Heffernan as President and CEO. The reviewed official pages do not print a longer corporate legal name such as an “Inc.” suffix. Confirm the contracting producer name on the engagement agreement and policy. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [24](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html "Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.") [2](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Brand and license-number display only. Not independent license verification or a complete legal-entity chart.; verified: 2026-09-16.)

Heffernan’s current site says it has been independent and employee-owned since 1988. A 2019 SkyKnight Capital announcement described a minority investment that recapitalized Heffernan’s ESOP while management said the firm would retain a culture of employee ownership. Current ownership percentages were not disclosed in the 2026 pages reviewed. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [2](https://www.heffins.com/about-us/our-story/ "Our Story") [25](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth "SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth") (Evidence: Company-reported; scope: Company and investor announcements. Not a current cap-table verification.; verified: 2026-09-16.)

Heffernan Network Insurance Brokers is described as a wholly owned subsidiary, formerly OLI Insurance Services, that acquires or partners with independent agencies. Costero Brokers Ltd. appears as Heffernan’s London location listing. Heffernan Benefit Advisors is the name used on the employee-benefits page. These related names do not by themselves identify the producer or insurer on a California technology policy. [21](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/ "Heffernan Network Insurance Brokers") [22](https://www.heffins.com/about-us/locations/costero-brokers-ltd/ "London, UK – Costero Brokers") [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") [3](https://www.heffins.com/about-us/locations/ "Our Locations") (Evidence: Company-reported; scope: Official related-entity descriptions. Costero’s FCA status and Heffernan’s exact current ownership of Costero were not independently verified in this draft.; verified: 2026-09-16.) | Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. [27](https://cyberresilience.com/ "Home Page") [29](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [30](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Brand-level offering; not a statement that the brand is the risk-bearing insurer.; verified: 2026-09-16.)

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. [28](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: US distribution entity; regulator license lookup not completed.; verified: 2026-09-16.) | | Coverage lines | The business-insurance page lists general liability, commercial property, commercial auto, workers’ compensation, and global/foreign exposures among basic coverages it can provide. Corporate and executive protection listed there includes employment-practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom. The small-business page also lists errors and omissions and a business owner’s policy among coverages it can provide. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Direct offering lists. Labels are marketed brokerage capabilities, not policy wording, limits, or a promise that every technology applicant will be offered each line.; verified: 2026-09-16.)

Specialty practices list additional products: builders risk for construction projects; marine cargo, logistics E&O, and surety bonds in the cargo program; trucking, final-mile delivery, motor truck cargo, and umbrella or excess in transportation; medical malpractice in healthcare; crime, fidelity/employee-dishonesty bonds, and hired/non-owned auto in the home-care program; and representations-and-warranties insurance in the private-equity and M&A practice. Employee benefits are offered separately through Heffernan Benefit Advisors, including group medical, dental, vision, life, and disability examples. [15](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [20](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") (Evidence: Company-reported; scope: Direct practice pages. Home-care “all states” language is not used as a California eligibility finding. Technology-page FAQ coverage examples were not used as the catalogue.; verified: 2026-09-16.)

For buyers trying to control total cost of risk, Heffernan describes loss-sensitive and alternative arrangements including self-insurance, partial self-insurance, large deductibles, and captives. The technology page separately discusses self-insurance strategies for later-stage companies. These are options to evaluate in a proposal, not a standard policy form. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Company-described capabilities. Captive feasibility, funding, and domicile are not established by the marketing copy.; verified: 2026-09-16.) | Resilience advertises cyber coverage on primary and excess placements, with limits up to $20 million. Its product page describes privacy wrongful acts and eCrime, with eCrime limits up to $500,000; the quote must confirm applicable sublimits and conditions. [29](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: Marketing description, not reviewed policy wording. eCrime is a component, not evidence of standalone crime insurance.; verified: 2026-09-16.)

Resilience markets technology E&O for liability arising from technology businesses and advertises $10 million limits for US primary and excess placements. [30](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology-specific professional liability; not general professional E&O or a guarantee of offered limits.; verified: 2026-09-16.) | | Application process | The public commercial path starts with a Contact Us inquiry. The empty form inspected on 16 September 2026 asks for first and last name, email, optional phone, insurance needed, and a description of operations, plus a required choice among Need A Quote, Other, or Would like to speak with someone. Submitting the form does not display a premium or bind coverage. [12](https://www.heffins.com/contact-us/ "Contact Us") (Evidence: Verified; scope: Chrome inspection of the unsubmitted Contact Form 7 on heffins.com/contact-us/. No fields completed and no submission. Downstream underwriting not tested.; verified: 2026-09-16.)

Heffernan tells technology buyers to work with a specialized broker who assesses the business and gathers quotes from insurers. Its cyber team says it determines exposure, shops the market, presents options, and guides coverage selection. Quick Insure is a separate path that markets faster quotes for selected personal and short-term business products. The reviewed pages do not promise a universal quote or binding turnaround for a growth-stage technology program. [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [13](https://www.heffins.com/quick-insure/ "Quick Insure") [12](https://www.heffins.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Service descriptions. Technology-page FAQ “how do I get” language is educational process copy, not a measured SLA.; verified: 2026-09-16.) | Resilience presents insurance to brokers through a dedicated broker page and offers a public contact route for product inquiries. The reviewed pages do not document an end-to-end self-service purchase or a guaranteed quote or binding time. [31](https://cyberresilience.com/brokers "Brokers") [33](https://cyberresilience.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Observed public broker/contact route; no application submitted or portal accessed.; verified: 2026-09-16.) | | Access to insurers | Heffernan describes shopping multiple insurers rather than issuing policies itself. Named partners on reviewed pages include Thimble Insurance Services for short-term on-demand general liability and a third-party Propeller portal for some surety bonds. Transportation, healthcare, and marine-cargo pages refer to top, major, or exclusive carriers without naming them. Ask for the issuing insurer, admitted or surplus-lines status, and proposed forms on any quote. [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [14](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") [1](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Not publicly disclosed; scope: No verified carrier panel or ratings. Propeller and Thimble are distinct from a customary growth-stage technology placement.; verified: 2026-09-16.) | Resilience’s US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriting insurers. It does not specify which would issue a particular California quote. [28](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: Company-reported US insurer disclosure; no binder or California policy form reviewed.; verified: 2026-09-16.) | | Servicing and renewals | Heffernan says clients get claims services, loss control, HR consulting, and risk-management support alongside insurance placement. Its modern-brokerage page describes digital access to documents, program details, and service-activity status, plus tools such as TrustLayer for insurance verification. These are company-described servicing features. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [23](https://www.heffins.com/about-us/modern-brokerage-solutions/ "Modern Brokerage Solutions") [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Company-reported; scope: Official feature descriptions only; no authenticated client account or measured service levels.; verified: 2026-09-16.) | Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. [34](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") [35](https://cyberresilience.com/products/multi-entity-and-portfolio-risk "Multi-Entity & Portfolio Risk") (Evidence: Company-reported; scope: Current named cybersecurity products; outcomes not independently established.; verified: 2026-09-16.)

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. [28](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: Company disclaimer; does not establish free services or package pricing.; verified: 2026-09-16.)

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. [31](https://cyberresilience.com/brokers "Brokers") [29](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [30](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Not publicly disclosed; scope: Scoped to current HTML pages; older package materials were not used to promise current renewal terms.; verified: 2026-09-16.) | ## Related Reading - [What Is Heffernan Insurance Brokers?](https://spot.insure/insurance-providers/heffernan) - [What Is Resilience Insurance?](https://spot.insure/insurance-providers/resilience) ## Related Comparisons - [Alliance Risk vs Heffernan Insurance Brokers](https://spot.insure/compare/alliance-risk-vs-heffernan) - [Alliance Risk vs Resilience](https://spot.insure/compare/alliance-risk-vs-resilience) - [Amelia Risk vs Heffernan](https://spot.insure/compare/amelia-risk-vs-heffernan) - [Amelia Risk vs Resilience](https://spot.insure/compare/amelia-risk-vs-resilience) - [Armilla vs Heffernan Insurance Brokers](https://spot.insure/compare/armilla-vs-heffernan) - 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[Harper vs Resilience](https://spot.insure/compare/harper-vs-resilience) - [Heffernan vs Hiscox](https://spot.insure/compare/heffernan-vs-hiscox) - [Heffernan vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) - [Heffernan vs Kinro](https://spot.insure/compare/heffernan-vs-kinro) - [Heffernan vs Layr](https://spot.insure/compare/heffernan-vs-layr) - [Heffernan vs Lockton](https://spot.insure/compare/heffernan-vs-lockton) - [Heffernan vs Marsh](https://spot.insure/compare/heffernan-vs-marsh) - [Heffernan vs Mylo](https://spot.insure/compare/heffernan-vs-mylo) - [Heffernan vs Newfront](https://spot.insure/compare/heffernan-vs-newfront) - [Heffernan vs ERGO NEXT](https://spot.insure/compare/heffernan-vs-next-insurance) - [Heffernan vs Pie Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance) - [Heffernan Insurance Brokers vs Relm Insurance](https://spot.insure/compare/heffernan-vs-relm) - [Heffernan Insurance Brokers vs RiskCube](https://spot.insure/compare/heffernan-vs-riskcube) - [Heffernan Insurance Brokers vs Risklytics Insurance](https://spot.insure/compare/heffernan-vs-risklytics) - [Heffernan Insurance Brokers vs StartupInsurance.ai](https://spot.insure/compare/heffernan-vs-startupinsurance) - [Heffernan vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance) - [Heffernan vs The Hartford](https://spot.insure/compare/heffernan-vs-the-hartford) - [Heffernan vs Travelers](https://spot.insure/compare/heffernan-vs-travelers) - [Heffernan vs USI](https://spot.insure/compare/heffernan-vs-usi) - [Heffernan vs Vouch](https://spot.insure/compare/heffernan-vs-vouch) - [Heffernan vs WithCoverage](https://spot.insure/compare/heffernan-vs-withcoverage) - [Hiscox vs Resilience](https://spot.insure/compare/hiscox-vs-resilience) - [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience) - [Kinro vs Resilience](https://spot.insure/compare/kinro-vs-resilience) - [Layr vs Resilience](https://spot.insure/compare/layr-vs-resilience) - [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience) - [Marsh vs Resilience](https://spot.insure/compare/marsh-vs-resilience) - [Mylo vs Resilience](https://spot.insure/compare/mylo-vs-resilience) - [Newfront vs Resilience](https://spot.insure/compare/newfront-vs-resilience) - [ERGO NEXT Insurance vs Resilience](https://spot.insure/compare/next-insurance-vs-resilience) - [Pie Insurance vs Resilience](https://spot.insure/compare/pie-insurance-vs-resilience) - [Relm Insurance vs Resilience](https://spot.insure/compare/relm-vs-resilience) - [Resilience vs RiskCube](https://spot.insure/compare/resilience-vs-riskcube) - [Resilience vs Risklytics](https://spot.insure/compare/resilience-vs-risklytics) - [Resilience vs StartupInsurance.ai](https://spot.insure/compare/resilience-vs-startupinsurance) - [Resilience vs TechInsurance](https://spot.insure/compare/resilience-vs-techinsurance) - [Resilience vs The Hartford](https://spot.insure/compare/resilience-vs-the-hartford) - [Resilience vs Travelers](https://spot.insure/compare/resilience-vs-travelers) - [Resilience vs USI](https://spot.insure/compare/resilience-vs-usi) - [Resilience vs Vouch](https://spot.insure/compare/resilience-vs-vouch) - [Resilience vs WithCoverage](https://spot.insure/compare/resilience-vs-withcoverage) ## Sources ### [Heffernan Insurance Brokers Official Website](https://www.heffins.com) 1. [Heffernan Insurance Brokers](https://www.heffins.com/). Heffernan Insurance Brokers; What we offer; Independent since 1988; Built for what’s next; footer copyright and License #0564249; Quick Insure; Get a quote; Propeller bond-portal disclaimer. Accessed 2026-09-16. 2. [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. 3. [Our Locations](https://www.heffins.com/about-us/locations/). Heffernan Insurance Brokers; Nationwide coverage heading; Walnut Creek corporate headquarters; Bay Area and other California offices; Pacific Northwest, Mountain West, Northeast, Southeast, Honolulu; London Costero listing; footer License #0564249. Accessed 2026-09-16. 4. [Walnut Creek](https://www.heffins.com/about-us/locations/walnut-creek/). Heffernan Insurance Brokers; Corporate headquarters; founded 1988 in Walnut Creek. Accessed 2026-09-16. 5. [Privacy Statement](https://www.heffins.com/privacy-statement/). Heffernan Insurance Brokers; Collection for professional services; disclosure to non-affiliated third parties to solicit quotations from insurance carriers; website content developed in the United States and intended for U.S. users except where otherwise specified. Accessed 2026-09-16. 6. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Basic coverages list; corporate and executive protection list; alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16. 7. [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 treated as educational, not a product catalogue.. Accessed 2026-09-16. 8. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Sole proprietors to fast-growing companies; types of coverage we can provide; industry list including Technology. Accessed 2026-09-16. 9. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Cyber risk team that determines exposure, shops the market, presents options, and guides coverage selection. FAQ cost ranges treated as educational, not a price schedule.. Accessed 2026-09-16. 10. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Full-service claims consulting; workers’ compensation strategy and carrier liaison; medical triage; general liability, auto and property advocacy; vendor compliance tools. Outcome and speed claims are company-reported.. Accessed 2026-09-16. 11. [Health Insurance services](https://www.heffins.com/employee-benefits/). Heffernan Insurance Brokers; Heffernan Benefit Advisors; large and small group employee benefits, dental, vision, life and disability, voluntary benefits, Medicare; Administration and Advocacy. Accessed 2026-09-16. 12. [Contact Us](https://www.heffins.com/contact-us/). Heffernan Insurance Brokers; Unsubmitted Contact Form 7: First Name, Last Name, Email, Phone, Insurance Needed, Description of Operations; Select Need A Quote / Other / Would like to speak with someone; Submit. No premium displayed.. Accessed 2026-09-16. 13. [Quick Insure](https://www.heffins.com/quick-insure/). Heffernan Insurance Brokers; Fast quotes for personal and business insurance; business tiles including Short Term General Liability, Surety, Special Event Insurance, Peer-to-Peer Car Rental; Trusted Providers copy without named carriers. Accessed 2026-09-16. 14. [Short-Term General Liability](https://www.heffins.com/short-term-general-liability/). Heffernan Insurance Brokers; Partnership with Thimble Insurance Services for on-demand general liability; eligibility, pricing and coverage may vary by state; non-binding indication disclaimer. Accessed 2026-09-16. 15. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). Heffernan Insurance Brokers; We offer customized builders risk coverage; contractor sectors served. FAQ cost percentages treated as educational.. Accessed 2026-09-16. 16. [Marine Cargo](https://www.heffins.com/business-insurance/marine-cargo/). Heffernan Insurance Brokers; Coverage options including marine cargo, E&O and surety bonds; in-house underwriting authority; exclusive access to major insurance carriers (unnamed); dedicated claims division with settlement authority. Accessed 2026-09-16. 17. [Transportation Insurance](https://www.heffins.com/business-insurance/transportation/). Heffernan Insurance Brokers; Appointed with top transportation carriers (unnamed); trucking and final mile delivery subsectors; exclusive and sponsored products including auto liability, motor truck cargo, umbrella, workers’ compensation, cyber and management liability. Accessed 2026-09-16. 18. [Healthcare Insurance for Health Care Services](https://www.heffins.com/business-insurance/health-care/). Heffernan Insurance Brokers; Medical Malpractice listed among healthcare services; relationships with the nation’s top insurance carriers (unnamed); captives and self-insurance options. Accessed 2026-09-16. 19. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for list including workers’ compensation, general and professional liability, EPL, owned auto, non-owned and hired auto, crime, employee dishonesty bond, cyber, medical billing E&O, and property. “Covering all states” is company-reported, not a verified eligibility schedule.. Accessed 2026-09-16. 20. [Private Equity and M&A](https://www.heffins.com/business-insurance/private-equity-and-ma/). Heffernan Insurance Brokers; Representation & Warranty (RWI) Insurance; transactional risk list including contingent, environmental, tax and litigation buyout; HIB Private Equity and M&A Practice. Accessed 2026-09-16. 21. [Heffernan Network Insurance Brokers](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/). Heffernan Insurance Brokers; Formerly OLI Insurance Services; wholly owned subsidiary; agency acquisition and perpetuation; exclusive carrier access described for partner agencies. Accessed 2026-09-16. 22. [London, UK – Costero Brokers](https://www.heffins.com/about-us/locations/costero-brokers-ltd/). Heffernan Insurance Brokers; Costero Brokers Ltd. London office listing; full-service London brokerage; link to costerobrokers.com. Accessed 2026-09-16. 23. [Modern Brokerage Solutions](https://www.heffins.com/about-us/modern-brokerage-solutions/). Heffernan Insurance Brokers; Independent brokerage; digital document access and service activity status; TrustLayer and Quick Insure mentions; AI workflow claims for claims administration. Outcome claims are company-reported.. Accessed 2026-09-16. 24. [Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html). Heffernan Insurance Brokers via PR Newswire; 26 August 2026 release; Walnut Creek; independent brokerage; F. Michael Heffernan, President and CEO; License #0564249 in about block. Accessed 2026-09-16. 25. [SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth). InsuranceNewsNet reprint of SkyKnight Capital BusinessWire; 22 July 2019 announcement; minority investment; ESOP recapitalization; Mike Heffernan quote on retaining employee ownership. Historical ownership event; current cap table not independently verified.. Accessed 2026-09-16. 26. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Search form inspected 16 September 2026; no license-number query submitted; page showed empty search results (“No data”). No status or legal-name conclusion drawn from the empty form.. Accessed 2026-09-16. ### [Resilience Official Website](https://cyberresilience.com/) 27. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16. 28. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; Opening paragraphs and USA jurisdiction disclosure. Accessed 2026-09-16. 29. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Why choose cyber insurance; Policy coverage; Broad market appetite. Accessed 2026-09-16. 30. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; Technology risk categories; Key benefits / A Broad Market Appetite. Accessed 2026-09-16. 31. [Brokers](https://cyberresilience.com/brokers). Resilience; Broker benefits; Use cases; Insurance & risk solutions. Accessed 2026-09-16. 32. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; Our difference; Support from start to resolution; Claims panel. Accessed 2026-09-16. 33. [Contact Us](https://cyberresilience.com/contact-us). Resilience; Contact us; emergency claims instructions. Accessed 2026-09-16. 34. [Security Investment Prioritization](https://cyberresilience.com/products/security-investment-prioritization). Resilience; Resilience Edge introduction and Key benefits. Accessed 2026-09-16. 35. [Multi-Entity & Portfolio Risk](https://cyberresilience.com/products/multi-entity-and-portfolio-risk). Resilience; Resilience Arc introduction. Accessed 2026-09-16. 36. [Terms and Conditions](https://cyberresilience.com/terms-and-conditions/). Resilience; Opening website agreement; separate written agreements. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/heffernan-vs-resilience.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)