Heffernan Insurance Brokers vs TechInsurance Commercial Property Insurance

Heffernan lists commercial property insurance among the basic business-insurance coverages it arranges, alongside general liability, commercial auto and workers' compensation. As a broker, it places this coverage with insurance carriers rather than underwriting it itself. ³Company-reported. Business Insurance page's basic-coverages list.

TechInsurance arranges commercial property insurance, also called business hazard insurance, for businesses that own or rent commercial space, or that keep valuable equipment at a home office. ⁶Company-reported. Commercial property product page.

No insurer is named for commercial property on the reviewed page; the issuing carrier would appear on the quote and declarations. ³Not publicly disclosed. Checked the Business Insurance page on 2026-09-23.

The reviewed page does not name the issuing insurer for a commercial property policy. ⁶Not publicly disclosed. Commercial property product page as read on 2026-09-23.

The business insurance page lists commercial property as one of the basic coverages Heffernan can provide, without describing specific insuring agreements, limits or exclusions for the line. ³Company-reported. Business Insurance page's basic-coverages list, a single-line mention.

TechInsurance says commercial property insurance covers theft of equipment, damage to company-owned buildings, weather-related and accidental damage, and vandalism, and can be written as actual cash value (cheaper, pays depreciated value) or replacement cost (more expensive, pays to replace with new equivalent items). ⁶Company-reported. Commercial property product page; general policy description, not a specific policy form.

TechInsurance says commercial property insurance generally excludes extreme weather events like earthquakes, hurricanes and floods, goods in transit or at other worksites (which need inland marine insurance instead), and equipment breakdown from mechanical or electrical failure (which needs an endorsement). ⁶Company-reported. Commercial property product page, What isn't covered section.

The business insurance page does not publish limits, deductibles or premium ranges for commercial property coverage. ³Not publicly disclosed. Checked the Business Insurance page on 2026-09-23.

TechInsurance says its commercial property policyholders pay a median of $108 per month, or about $1,301 a year, with the exact premium depending on location, coverage limits and deductible, security systems, equipment value, and building size, construction and age. ⁶Company-reported. Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Heffernan says clients arranging its business insurance coverages, including commercial property, get access to its claims services, loss control, HR consulting, and risk management and assessment services. For buyers focused on total cost of risk, it also describes loss-sensitive and alternative risk arrangements such as self-insurance, large deductibles and captive insurance. ³Company-reported. Business Insurance page's services and alternative-risk paragraphs, described at the whole business-insurance-program level rather than specific to commercial property.

Not described in the reviewed sources.

The page's call to action directs buyers to contact Heffernan Insurance Brokers directly to find out what it can do for their business, including commercial property. No separate online quoting flow specific to commercial property is described. ³Company-reported. Business Insurance page contact call to action.

You request commercial property quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. ⁶Company-reported. Commercial property product page.