Heffernan Insurance Brokers vs 
Simply Business: How Do They Compare for Business Owner’s Policy?
Heffernan’s small-business practice describes a broad range from home-based sole proprietors to larger companies across multiple industries; Simply Business presents a marketplace whose available quotes depend on state, insurer, and business. Heffernan says its small-business team will research and build a package for an unlisted niche; Simply Business describes a business-detail intake followed by available quote options. 4,7
What Is Heffernan Insurance Brokers?
Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. 1,2,3
Read the Heffernan Insurance Brokers profile
Read the Heffernan Insurance Brokers Business Owner’s Policy page
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 5,6
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 8,9
What Are the Key Differences Between Heffernan Insurance Brokers and Simply Business Business Owner’s Policy?
Package and Scope
Heffernan’s small-business practice describes a broad range from home-based sole proprietors to larger companies across multiple industries; Simply Business presents a marketplace whose available quotes depend on state, insurer, and business. Ask Heffernan to confirm which carrier appetite fits your operation and compare it with actual marketplace offers. 4 7
Buyer Fit and Access
Heffernan says its small-business team will research and build a package for an unlisted niche; Simply Business describes a business-detail intake followed by available quote options. An unusual operation may benefit from asking Heffernan about placement options while checking what the marketplace returns. 4 7
What Should You Confirm in Heffernan Insurance Brokers and Simply Business Business Owner’s Policy Quotes?
- Ask Heffernan Insurance Brokers to identify the issuing insurer and state every included coverage, sublimit, and exclusion; its reviewed BOP page does not publish standard policy limits. 4
- Ask Simply Business which insurer and issued form support the quoted package, including business-interruption terms and any add-ons available for your state and business. 7
Heffernan Insurance Brokers and Simply Business Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Heffernan Insurance Brokers Review Score
Review Score
1 rated source
Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.[6][7][8]
Read Heffernan Insurance Brokers reviewsSimply Business Review Score
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsHeffernan Insurance Brokers vs Simply Business Business Owner’s Policy Compared
Heffernan Insurance Brokers vs Simply Business: Business Owner’s Policy: documented features by provider
| Criteria | Heffernan Business Owner's Policy (BOP) | Business owner’s policy (BOP) through Simply Business |
|---|---|---|
| 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. 4Company-reported. Small Business Insurance page description of the division and its BOP offering. | Confirm in your quote. |
| Issuing Insurer | The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. 4Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations. | Confirm in your quote. |
| 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. 4Company-reported. Small Business Insurance page's eligibility and industry-list sections. | Confirm in your quote. |
| 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. 4Company-reported. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there. | Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. 7Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. 7Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| 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. 4Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. | Confirm in your quote. |
| 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. 4Company-reported. Small Business Insurance page description of the division's approach. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. 7,6Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Related Pages for Heffernan Insurance Brokers vs Simply Business
Business Owner’s Policy Pages for Heffernan Insurance Brokers and Simply Business
Other Coverage Lines Compared for Heffernan Insurance Brokers vs Simply Business
Other Business Owner’s Policy Provider Comparisons
Sources for Heffernan Insurance Brokers vs Simply Business
Sources About Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. 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.
- Heffernan Business Insurance Brokerage. 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.
- Small Business Insurance. 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.
Sources About Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Business Owner’s Policy Insurance. Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. Accessed 2026-09-29.
Sources for the Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
