--- title: "Heffernan Insurance Brokers vs Simply Business: Commercial Property Insurance" description: "Heffernan pairs commercial property placement with claims services, loss control, HR consulting, and risk assessment; it also describes large-deductible and captive arrangements." canonical: "https://spot.insure/compare/heffernan-vs-simply-business/commercial-property" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "heffernan-vs-simply-business" provider-a: "heffernan" provider-b: "simply-business" coverage-line: "commercial-property" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/heffernan-vs-simply-business/commercial-property) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and Simply Business for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Commercial Property Insurance questions about Heffernan Insurance Brokers versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Heffernan Insurance Brokers vs Simply Business for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, Heffernan Insurance Brokers or Simply Business? - What does Heffernan Insurance Brokers or Simply Business publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Property Insurance from Heffernan Insurance Brokers or Simply Business? **Key facts:** - Line: Commercial Property Insurance. Providers: Heffernan Insurance Brokers and Simply Business. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Heffernan Insurance Brokers vs Simply Business](https://spot.insure/compare/heffernan-vs-simply-business) — parent: all coverage lines for this pair - [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence) - [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence) - [Heffernan Insurance Brokers vs Simply Business Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Simply Business Cyber Insurance](https://spot.insure/compare/heffernan-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Simply Business General Liability Insurance](https://spot.insure/compare/heffernan-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aig-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aig-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Simply Business Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aon-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aon-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line) # Heffernan Insurance Brokers vs Simply Business: How Do They Compare for Commercial Property Insurance? Heffernan pairs commercial property placement with claims services, loss control, HR consulting, and risk assessment; it also describes large-deductible and captive arrangements. ## How to Use the Heffernan Insurance Brokers vs Simply Business Commercial Property Insurance Comparison Use this comparison to evaluate Heffernan Insurance Brokers and Simply Business for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Heffernan Insurance Brokers vs Simply Business Commercial Property Insurance Summary Heffernan pairs commercial property placement with claims services, loss control, HR consulting, and risk assessment; it also describes large-deductible and captive arrangements. Heffernan directs buyers to contact the brokerage and publishes no property-specific online quote flow. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [6](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy 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](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) ## 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [5](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [Simply Business profile](https://spot.insure/insurance-providers/simply-business) ## 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [10](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide") ## 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [6](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") ### 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [6](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") ## 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") - 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](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") ## Heffernan Insurance Brokers vs Simply Business Commercial Property Compared | 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [6](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") (Evidence: Company-reported; scope: 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 - [Heffernan Insurance Brokers vs Simply Business](https://spot.insure/compare/heffernan-vs-simply-business): all coverage lines, business roles, service and claims. - [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss. - [Heffernan Insurance Brokers vs Simply Business Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-simply-business/business-owners-policy) - [Heffernan Insurance Brokers vs Simply Business Cyber Insurance](https://spot.insure/compare/heffernan-vs-simply-business/cyber) - [Heffernan Insurance Brokers vs Simply Business General Liability Insurance](https://spot.insure/compare/heffernan-vs-simply-business/general-liability) - [Heffernan Insurance Brokers vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-simply-business/professional-errors-omissions) - [Heffernan Insurance Brokers vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-simply-business/workers-compensation) - [AIG vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aig-vs-heffernan/commercial-property) - [AIG vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aig-vs-simply-business/commercial-property) - [Alliance Risk vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/commercial-property) - [Alliance Risk vs Simply Business Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/commercial-property) - [Aon vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aon-vs-heffernan/commercial-property) - [Aon vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aon-vs-simply-business/commercial-property) ## Sources for Heffernan Insurance Brokers vs Simply Business ### Sources About Heffernan Insurance Brokers 1. [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. 2. [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. Accessed 2026-09-16. 3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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 4. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29. 5. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). 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. 6. [Commercial Property Insurance](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/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. 7. [Business Owner’s Policy Insurance](https://www.simplybusiness.com/business-insurance/business-owners-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 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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. 9. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16. 10. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Heffernan Insurance Brokers Review Scores for 2026 Review Score: 5.2 / 10 from 1 rated source, equally weighted. 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. - Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews). ## Simply Business Review Scores for 2026 Review Score: 5.7 / 10 from 4 rated sources, equally weighted. 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. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/heffernan-vs-simply-business/commercial-property.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)