Heffernan Insurance Brokers vs TechInsurance Business Owner’s Policy

Heffernan's small-business division arranges a business owner's policy (BOP) for small and growing companies as one of several coverages it places. Heffernan describes itself as the source businesses go to for insurance, not as the insurer. ⁴Company-reported. Small Business Insurance page description of the division and its BOP offering.

TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. ⁷Company-reported. Business owner's policy product page.

The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. ⁴Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.

The reviewed page does not name the issuing insurer for a BOP. ⁷Not publicly disclosed. Business owner's policy product page as read on 2026-09-23.

Heffernan's small-business insurance targets companies the U.S. Small Business Administration defines as having fewer than 500 employees or less than $7 million in annual receipts, ranging from sole proprietors working from home to fast-growing companies, across industries it lists including construction, food, health care, hospitality, real estate, technology and transportation. ⁴Company-reported. Small Business Insurance page's eligibility and industry-list sections.

TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. ⁷Company-reported. Business owner's policy product page, Eligibility requirements for a BOP section.

Heffernan describes a business owner's policy as a package that combines protection for a company's major property and liability risks in one bundle, assembling the basic coverages a business owner needs. ⁴Company-reported. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there.

TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. ⁷Company-reported. Business owner's policy product page; general policy description, not a specific policy form.

The small-business page does not publish BOP limits, deductibles or premium ranges. It cites only general statistics on the cost of small-business lawsuits, not Heffernan's own policy terms. ⁴Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23.

TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. ⁷Company-reported. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Heffernan says its small-business division focuses entirely on the needs of small-business clients and will research and build a custom-designed package for an industry or niche not listed on the page. ⁴Company-reported. Small Business Insurance page description of the division's approach.

Not described in the reviewed sources.

Not described in the reviewed sources.

You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. ⁷Company-reported. Business owner's policy product page.