---
title: "Heffernan Insurance Brokers vs Simply Business: Cyber Insurance"
description: "Heffernan describes a cyber risk team that assesses exposure and shops markets; Simply Business offers cyber through an add-on for select existing policy buyers."
canonical: "https://spot.insure/compare/heffernan-vs-simply-business/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "heffernan-vs-simply-business"
provider-a: "heffernan"
provider-b: "simply-business"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-simply-business/cyber)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Simply Business for Cyber 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 Cyber 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 Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Heffernan Insurance Brokers or Simply Business?
- What does Heffernan Insurance Brokers or Simply Business publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from Heffernan Insurance Brokers or Simply Business?

**Key facts:**
- Line: Cyber 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
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — 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 Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-simply-business/commercial-property) — 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 Cyber Insurance](https://spot.insure/compare/aig-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)

# Heffernan Insurance Brokers vs Simply Business: How Do They Compare for Cyber Insurance?

Heffernan describes a cyber risk team that assesses exposure and shops markets; Simply Business offers cyber through an add-on for select existing policy buyers.

## How to Use the Heffernan Insurance Brokers vs Simply Business Cyber Insurance Comparison

Use this comparison to evaluate Heffernan Insurance Brokers and Simply Business for Cyber 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 Cyber Insurance Summary

Heffernan describes a cyber risk team that assesses exposure and shops markets; Simply Business offers cyber through an add-on for select existing policy buyers. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber 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. [5](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## What Is Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [8](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [9](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## What Are the Key Differences Between Heffernan Insurance Brokers and Simply Business Cyber Insurance?

### Broker Assessment and Services

Heffernan says its cyber team assesses a company’s exposure, shops carriers and helps compare options, with incident-response specialists such as forensics and public-relations advisors described as policy resources. Simply Business’s reviewed cyber page focuses on add-on availability and potential claim types, not comparable broker risk assessment. Ask what assistance Heffernan provides before binding and who supplies response specialists under the specific Simply Business policy. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

### Eligibility and Market Access

Heffernan names sensitive customer information and digital operations as relevant exposures, while Simply Business limits stated availability to select buyers of another policy and varies it by state and business details. A company handling health, payment or customer records should disclose those facts to both before relying on a general indication. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

### Carrier and Limits

Heffernan does not publish cyber limits or name the carrier for a placement. Simply Business also does not disclose a single insurer or limit schedule in the reviewed material. Ask for the carrier, policy form, limits, retention and the exact response services included with each quote. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

## What Should You Confirm in Heffernan Insurance Brokers and Simply Business Cyber Insurance Quotes?

- Ask Heffernan what pre-bind exposure assessment and incident-response specialists come with the engagement, and request policy-specific limits and carrier identity. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")
- Ask Simply Business which insurer and policy form it has approved for the add-on, then compare its notification, forensic and interruption terms against the Heffernan-arranged wording. [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")

## Heffernan Insurance Brokers vs Simply Business Cyber Compared

| Criteria | Heffernan Cyber Security Insurance Brokerage | Cyber liability coverage as an add-on through Simply Business |
| --- | --- | --- |
| Role in This Line | Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: Cyber Security Insurance page's description of the cyber risk team..) | Confirm in your quote. |
| Issuing Insurer | The cyber page does not name the insurer that would issue a cyber policy arranged through Heffernan. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Not publicly disclosed; scope: Checked the Cyber Security 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 says cyber insurance is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: Cyber Security Insurance page's FAQ answer on who needs cyber insurance; this is general educational content on Heffernan's own page rather than a stated underwriting appetite..) | Simply Business says cyber is available as an added coverage for select businesses purchasing another business policy, with general liability, professional liability and workers’ compensation given as examples. This is not a universal availability promise. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| Coverage Features | Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected..) | The cyber page describes security-event and privacy-regulation claim types as risks that may be covered. This is company education; the policy determines coverage, limits, triggers and exclusions. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| Limits and Retentions | The cyber page does not publish specific limits or retentions for a Heffernan-arranged cyber policy; its FAQ gives only a general premium range of a few hundred to several thousand dollars annually across the market. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Not publicly disclosed; scope: Checked the Cyber Security Insurance page on 2026-09-23..) | Confirm in your quote. |
| Risk Services | Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: Cyber Security Insurance page's services description..) | Confirm in your quote. |
| How to Apply | Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer..) | The page lists a phone quote route for cyber and also describes an online quote tool. Its Terms say availability varies by state, insurer and business details and binding requires panel-member approval. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published cyber 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 Cyber

- [Heffernan Insurance Brokers vs Simply Business](https://spot.insure/compare/heffernan-vs-simply-business): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [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 Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-simply-business/commercial-property)
- [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 Cyber Insurance](https://spot.insure/compare/aig-vs-heffernan/cyber)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber)
- [Alliance Risk vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/cyber)
- [Alliance Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/cyber)
- [Amelia Risk vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/cyber)
- [Amelia Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/cyber)

## 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: 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.
4. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Make Cyber Liability Insurance Part of Your Cyber Risk Management Plan: cyber risk team determines exposure, shops the market, presents options and guides coverage selection; incident-response access; Frequently Asked Questions on what cyber insurance covers, who needs it, cost and how to get it. Accessed 2026-09-23.

### Sources About Simply Business

5. [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.
6. [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.
7. [Cyber Insurance](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/). Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395.. Accessed 2026-09-29.

### Sources for the Cyber Insurance Guide

8. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
9. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. 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/cyber.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)