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 Workers’ Compensation 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. 7,8
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 10,11,12,13
Key Differences in Workers’ Compensation Insurance
Heffernan adds claims advocacy and triage
Heffernan’s Claims Advocacy division describes a tailored claim strategy, direct liaison with the carrier, experience-mod analysis and round-the-clock medical triage, including telemedicine options. Simply Business explains potential employee benefits but does not describe parallel advocacy services in its overview. Ask whether claims consulting is included in the placement and who responds when an employee is injured. 6 9
Heffernan places across several business practices
Heffernan says it places workers’ compensation for businesses across small-business, health care, home care and transportation practices. Simply Business discusses state-dependent requirements and employee benefits without a sector list on the reviewed page. Employers with specialized workforces should describe duties and locations to both before assuming a quote fits. 4 9
Placement and quote approval are different steps
Heffernan lists workers’ compensation among coverage it places and works alongside the issuing carrier rather than underwriting. Simply Business publishes an online quote path, while its terms say panel approval is needed to bind. Ask Heffernan which insurer will issue the proposal and Simply Business when the panel carrier has committed. 3 8
What to Confirm in Workers’ Compensation Insurance Quotes
Review Scores
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
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
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 reviewsOffering Details
Heffernan Insurance Brokers vs Simply Business: Workers’ Compensation Insurance: documented features by provider
| Criteria | Heffernan Workers' Compensation Brokerage and Claims Advocacy | Workers’ compensation insurance through Simply Business |
|---|---|---|
| Role in This Line | Heffernan lists workers' compensation among the basic coverages it places for business clients, and runs a separate claims-consulting division that works alongside the issuing carrier rather than underwriting the policy itself. 3,6Company-reported. Business Insurance Brokerage and Claims Advocacy pages as read on 2026-09-23. | Confirm in your quote. |
| Issuing Insurer | The reviewed pages do not name a specific insurer for Heffernan-placed workers' compensation policies; the healthcare and transportation practice pages instead describe relationships with 'the nation's top' or 'top transportation' carriers generically. 3,5Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | Heffernan places workers' compensation for businesses of all sizes across its small-business, healthcare, home care, and transportation practices, among others. 4,5Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; not an exhaustive eligibility schedule. | The page explains that requirements vary by state and that a one-person LLC without employees may not be required to carry the coverage in many states. This is general education, not a jurisdiction-specific legal determination. 9Company-reported. Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | Heffernan describes workers' compensation as covering injuries to employees while on the job, and says the cost has the greatest financial impact on a home care agency's expenses among the coverages in that package. 4,5Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; the reviewed pages do not describe statutory limits or state-specific benefit schedules. | The company’s page describes workers’ compensation as potentially covering medical, rehabilitation, wage-replacement and death benefits for employees injured or made ill at work; state law and policy terms affect benefits. 9Company-reported. Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | The reviewed pages do not publish premium ranges or experience-modification benchmarks for workers' compensation. 3,4Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23. | Confirm in your quote. |
| Risk Services | Heffernan's Claims Advocacy division offers workers'-compensation-specific services including a customized claims strategy, direct carrier liaison, experience-mod analysis to identify cost-reduction opportunities, and 24/7 telephonic or onsite medical triage with telemedicine options. 6,5Company-reported. Claims Advocacy page as read on 2026-09-23; separately, home care insurance specialists are described as advising on workers'-comp coverage and premium for that program. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The company publishes a workers’ compensation quote route. Its Terms say quote availability may vary by state, insurer and business details and binding requires panel-member approval. 9,8Company-reported. Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Claims Support | Heffernan says its claims consulting division has more than 25 years of experience, has managed over $1 billion in claims, and reduces claim processing time by up to 75% through its proactive and telephonic-triage approach; these are company-reported performance figures, not independently verified. 6Company-reported. Claims Advocacy page as read on 2026-09-23; figures are Heffernan's own marketing statistics, described here as company-reported rather than adopted as verified performance. | Confirm in your quote. |
Full Comparison
More Heffernan Insurance Brokers vs Simply Business Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
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; Basic coverages Heffernan can provide include general liability, commercial property, commercial auto, workers' compensation, and global/foreign exposures. Accessed 2026-09-23.
- Small Business Insurance. Heffernan Insurance Brokers; Workers' compensation covers injuries to your employees while on the job. Accessed 2026-09-23.
- Home Care Business Insurance. Heffernan Insurance Brokers; Home Care Workers' Compensation: Workers' compensation for home care workers can have the greatest financial impact on your business expenses. Our home care insurance specialists can help walk you through the coverage and premium of home care workers' comp coverage and advise you on what can be done to minimize costs and risks. Accessed 2026-09-23.
- Claims Advocacy. Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise — Claims Strategy, Carrier Liaison, Experience Mod Analysis; Medical Triage Services — 24/7 Nurse Access, Telemedicine Options, Comprehensive Reporting; Why Choose Heffernan Consulting Division: 25+ Years of Claims Expertise, over $1 billion in claims managed; 75% of Faster Claims Processing. Accessed 2026-09-23.
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.
- Workers’ Compensation Insurance for Small Business. Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189. Accessed 2026-09-29.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
