Heffernan Insurance Brokers vs TechInsurance

Heffernan describes itself as an insurance broker and risk manager that shops markets, presents options, and places coverage with insurance carriers. It is not identified in the reviewed pages as the insurer that issues or pays claims on a buyer’s policy. Privacy language says it may share underwriting information with non-affiliated parties to solicit quotations from insurance carriers. ^6,9,5,1

Public pages and a 26 August 2026 company release use the name Heffernan Insurance Brokers and display California license number 0564249. They identify F. Michael Heffernan as President and CEO. The reviewed official pages do not print a longer corporate legal name such as an “Inc.” suffix. Confirm the contracting producer name on the engagement agreement and policy. ^1,24,2

Heffernan’s current site says it has been independent and employee-owned since 1988. A 2019 SkyKnight Capital announcement described a minority investment that recapitalized Heffernan’s ESOP while management said the firm would retain a culture of employee ownership. Current ownership percentages were not disclosed in the 2026 pages reviewed. ^1,2,25

Heffernan Network Insurance Brokers is described as a wholly owned subsidiary, formerly OLI Insurance Services, that acquires or partners with independent agencies. Costero Brokers Ltd. appears as Heffernan’s London location listing. Heffernan Benefit Advisors is the name used on the employee-benefits page. These related names do not by themselves identify the producer or insurer on a California technology policy. ^21,22,11,3

TechInsurance is a small-business insurance agency and brokerage. Its legal disclosure identifies the business as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. ^29,35,36

TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. ^28,29,38

Heffernan Insurance Brokers is an independent retail brokerage that arranges business insurance, personal insurance, employee benefits, and financial-services products. Its technology practice says it specializes in mid- to late-stage technology companies, including venture-funded startups, pre-IPO companies, and firms using enterprise risk or self-insurance strategies. A separate small-business division describes serving sole proprietors through fast-growing companies, including technology businesses. ^1,7,8,2

TechInsurance markets to small businesses, including startups and freelancers, with a technology focus spanning software developers, SaaS companies, IT consultants and managed service providers. Its catalogue also serves traditional industries. ^34,33

The public commercial path starts with a Contact Us inquiry. The empty form inspected on 16 September 2026 asks for first and last name, email, optional phone, insurance needed, and a description of operations, plus a required choice among Need A Quote, Other, or Would like to speak with someone. Submitting the form does not display a premium or bind coverage. ¹²

Heffernan tells technology buyers to work with a specialized broker who assesses the business and gathers quotes from insurers. Its cyber team says it determines exposure, shops the market, presents options, and guides coverage selection. Quick Insure is a separate path that markets faster quotes for selected personal and short-term business products. The reviewed pages do not promise a universal quote or binding turnaround for a growth-stage technology program. ^7,9,13,12

TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. ²⁸

TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. ²⁹

Heffernan says it has a nationwide presence, lists U.S. offices from California to Florida, and states that website content is intended for U.S. users except where otherwise specified. The technology practice says nearly all of its clients operate globally and that it serves major metropolitan hubs. The reviewed pages do not publish a product-by-state eligibility schedule for technology insurance. Office locations and nationwide marketing do not establish that a particular California or other-state policy is available. ^2,3,5,7,1

Heffernan displays California license number 0564249 in its site footer and in a 2026 company news release. Current producer-license status, license class and authorized lines remain independently unverified. A displayed number is not by itself proof that a given product can be sold in California. ^1,24,26

TechInsurance’s California sales page offers an application and quote-comparison route for general liability, professional E&O, business owner’s policies, workers’ compensation, cyber, commercial auto, fidelity bonds and umbrella coverage. This establishes a marketed California route, not acceptance of a particular startup or availability of every listed product. ³¹

TechInsurance reports licensing in all 50 states and Washington, D.C., and lists California license 0L09546. Current regulator status, authority and appointments were not independently verified for this profile. ³⁰

Heffernan describes shopping multiple insurers rather than issuing policies itself. Named partners on reviewed pages include Thimble Insurance Services for short-term on-demand general liability and a third-party Propeller portal for some surety bonds. Transportation, healthcare, and marine-cargo pages refer to top, major, or exclusive carriers without naming them. Ask for the issuing insurer, admitted or surplus-lines status, and proposed forms on any quote. ^{9,17,18,16,14,1}

TechInsurance names insurance partners including The Hartford, Hiscox, Chubb and Travelers. These are examples of marketed relationships, not the identified contracting insurer for a quote; ask for the exact issuing entity and its California placement route. ³⁴