Heffernan Insurance Brokers vs 
Simply Business: How Do They Compare for Commercial Property Insurance?
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 Commercial Property Insurance 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. 4,5
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 8,9,10
What Are the Key Differences Between Heffernan Insurance Brokers and Simply Business Commercial Property Insurance?
Placement and Coverage
Heffernan pairs commercial property placement with claims services, loss control, HR consulting, and risk assessment; it also describes large-deductible and captive arrangements. HUB says an advisor fine-tunes BOP options to a client’s line of business but does not list these broader risk services on its BOP page. Ask Heffernan which services apply to your property account and HUB what its placement includes. 3 6
Fit and Process
Heffernan directs buyers to contact the brokerage and publishes no property-specific online quote flow. HUB also starts through a broker, with an advisor helping shape the BOP. Ask each for the property submission documents and likely quote timeline before choosing a route. 3 6
What Should You Confirm in Heffernan Insurance Brokers and Simply Business Commercial Property Insurance Quotes?
- Ask Heffernan Insurance Brokers for the covered locations, valuation basis, property limit, deductible, and the exact endorsements relevant to your building or contents. 3
- Ask Simply Business to name the BOP insurer and show the property schedule, covered perils, and any flood or interruption exclusions in the issued form. 6
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 Commercial Property Compared
Heffernan Insurance Brokers vs Simply Business: Commercial Property Insurance: documented features by provider
| Criteria | Heffernan Commercial Property Insurance Brokerage | Commercial-property coverage presented with a BOP |
|---|---|---|
| Role in This Line | 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. | Confirm in your quote. |
| Issuing Insurer | 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. | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | The company says commercial-property coverage may be valuable to businesses that own or rent their place of business. This is a buyer example, not an insurer eligibility rule. 6Company-reported. Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | 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. | Simply Business says it offers commercial-property coverage as part of its BOP package rather than as a standalone policy. The page says the coverage can protect the business location, assets and inventory against fire or certain weather events; the issued form controls. 6,7Company-reported. Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | 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. | Confirm in your quote. |
| Risk Services | 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. | Confirm in your quote. |
| How to Apply | 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. | The page directs buyers to start a BOP quote to see possible pricing. This is a bundled quote route; it does not establish standalone commercial-property placement or a guaranteed quote. 6Company-reported. Company-published commercial-property 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
Commercial Property Pages for Heffernan Insurance Brokers and Simply Business
Other Coverage Lines Compared for Heffernan Insurance Brokers vs Simply Business
Other Commercial Property Insurance 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 for 21st Century Exposures: basic coverages including general liability, commercial property, commercial auto, workers' compensation and global/foreign exposures; claims services, loss control, HR consulting and risk management and assessment services; loss-sensitive and alternative risk arrangements including captives. 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.
- Commercial Property Insurance. Simply Business; Page nested under BOP; lines 15–18, 34–49; lines 59–63 expressly say commercial-property coverage is offered as part of BOP rather than standalone and direct buyers to a BOP quote. 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 Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
