Heffernan Insurance Brokers vs Risklytics 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.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Commercial Property Insurance with outside carriers; it says it does not underwrite policies itself. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

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.

Risklytics does not name the carrier that underwrites Risklytics Commercial Property Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^7,4Company-reported. Lines page and about page; no specific insurer is published for this line.

Not described in the reviewed sources.

Risklytics says landlords usually require this coverage on a first lease with meaningful contents, and that a tenant's lease commonly requires coverage for improvements and contents since the landlord's own policy only covers the building. ⁷Company-reported. Lines page.

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.

Risklytics describes Commercial Property as paying to repair a leased office or lab and replace its contents after damage or theft on premises, such as a burst pipe soaking test rigs or a break-in emptying a workshop, and says it does not follow equipment once it leaves the premises (that is Equipment/Inland Marine). ⁷Company-reported. Lines page; the issued policy and declarations control actual coverage.

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.

Risklytics does not publish a typical dollar limit for this line; it says the typical ask is enough coverage to replace what is in the insured space. ⁷Not publicly disclosed. Lines page, checked 2026-09-23.

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.

Risklytics calls commercial property the most standardized, easy-to-get policy it places. ⁷Company-reported. Lines page.

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.

You start Risklytics Commercial Property Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^8,4Company-reported. Pricing page describes the general application and fee process, not a line-specific form.