---
title: "Heffernan Insurance Brokers vs TechInsurance: Business Owner’s Policy"
description: "TechInsurance fits a small, low-risk business under 100 employees and $1 million in revenue, and reports a median BOP premium of $83 a month. Heffernan takes businesses up to 500 employees or $7 million in receipts, including unusual industries, but publishes no price."
canonical: "https://spot.insure/compare/heffernan-vs-techinsurance/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-techinsurance"
provider-a: "heffernan"
provider-b: "techinsurance"
coverage-line: "business-owners-policy"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-techinsurance/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and TechInsurance for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Heffernan Insurance Brokers versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Heffernan Insurance Brokers vs TechInsurance for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Heffernan Insurance Brokers or TechInsurance?
- What does Heffernan Insurance Brokers or TechInsurance publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Heffernan Insurance Brokers and TechInsurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Heffernan Insurance Brokers vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# Heffernan Insurance Brokers vs TechInsurance: How Do They Compare for Business Owner’s Policy?

Heffernan Insurance Brokers arranges BOPs, and will research a custom package for small and growing companies; TechInsurance arranges BOPs through one online application and says savings typically suit firms under 100 employees and $1 million in revenue.

TechInsurance's BOP targets firms under 100 employees and $1 million in revenue at a reported $83 monthly median, while Heffernan takes businesses up to 500 employees or $7 million in receipts.

## Heffernan Insurance Brokers vs TechInsurance Business Owner’s Policy Summary

TechInsurance fits a small, low-risk business under 100 employees and $1 million in revenue, and reports a median BOP premium of $83 a month. Heffernan takes businesses up to 500 employees or $7 million in receipts, including unusual industries, but publishes no price. [2](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## What Are the Key Differences Between Heffernan Insurance Brokers and TechInsurance Business Owner’s Policy?

### Whether Your Business Is Too Big

A 150-person company or one earning $3 million is past TechInsurance's typical BOP profile of fewer than 100 employees, under $1 million a year, a low-risk industry and a small commercial space. It still fits Heffernan, which uses the SBA definition of fewer than 500 employees or under $7 million in receipts. Both are brokers, not insurers. Choose TechInsurance if you're small and low-risk; choose Heffernan if you've outgrown those limits or work in a niche industry. [2](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### Price and Coverage You Can See Upfront

TechInsurance reports a median of about $990 a year and spells out its BOP: copyright infringement, defamation and product liability are in; cyberattacks, vehicles and, without an endorsement, natural-disaster property damage are out. Heffernan publishes no premiums, limits or coverage list for its BOP, so you compare only once a quote arrives. [2](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### Speed Versus Custom Work

TechInsurance takes one online application, and the company says you typically get a certificate the same day you buy. Heffernan will research a custom package if your industry isn't on its list, which takes longer. [2](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## What Should You Confirm in Heffernan Insurance Brokers and TechInsurance Business Owner’s Policy Quotes?

- Ask both which insurer issues the policy. [2](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Treat TechInsurance's $83 median as its own average, not your rate. [2](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")
- If you're in a flood, quake or storm area, ask TechInsurance what the natural-disaster endorsement costs. [2](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")
- Ask Heffernan for limits and exclusions in writing. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## Heffernan Insurance Brokers vs TechInsurance Business Owner’s Policy Compared

| Criteria | Heffernan Business Owner's Policy (BOP) | TechInsurance Business Owner's Policy (BOP) |
| --- | --- | --- |
| Who It’s For | 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page, Eligibility requirements for a BOP section..) |
| Coverage Features | 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page; general policy description, not a specific policy form..) |
| Role in This Line | 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) |

## About Heffernan Insurance Brokers and TechInsurance

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy)

## Related Pages for Heffernan Insurance Brokers vs TechInsurance

- [Heffernan Insurance Brokers vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/insurance-providers/heffernan/business-owners-policy)
- [TechInsurance Business Owner’s Policy](https://spot.insure/insurance-providers/techinsurance/business-owners-policy)

## Sources for Heffernan Insurance Brokers vs TechInsurance

### Sources About Heffernan Insurance Brokers

1. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Tailor-Made Insurance for Small Businesses; types of coverage we can provide including business owner's policy; industry list; U.S. Small Business Administration size definition. Accessed 2026-09-23.

### Sources About TechInsurance

2. [Business Owner's Policy (BOP) Insurance – Compare Quotes](https://www.techinsurance.com/business-owners-policy). TechInsurance; Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP?. Accessed 2026-09-23.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/heffernan-vs-techinsurance/business-owners-policy.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)