Heffernan Insurance Brokers vs 
TechInsurance: How Do They Compare for Cyber Insurance?
Heffernan Insurance Brokers describes cover for data recovery, legal fees, notification and business interruption; TechInsurance reports a median of $129 a month and lists exclusions.
TechInsurance reports a median of about $129 a month for cyber and says a certificate is typically available the same day you buy. Heffernan's cyber risk team shops the market and presents options, with an FAQ that only cites a market premium range rather than a book-level median. 2,1
What Are the Key Differences Between Heffernan Insurance Brokers and TechInsurance Cyber Insurance?
A Published Median Versus a Market Range
TechInsurance says its cyber policyholders pay a median of $129 per month, about $1,552 a year, from its own customer data. Heffernan's FAQ gives only a general market range of a few hundred to several thousand dollars annually. Choose TechInsurance if you want a published median and a same-day certificate after you buy; choose Heffernan if you want a cyber team to compare carriers after an exposure review. 2 1
How You Apply
You request TechInsurance quotes online through a short application; a licensed agent is available and a certificate is typically available the same day you buy. Heffernan describes assessing data types and cybersecurity measures, then working with a broker to obtain and compare quotes from multiple providers. 2 1
Exclusions TechInsurance Names
TechInsurance says cyber does not cover professional-negligence claims unrelated to a breach, physical damage to devices, or data loss from hardware damage, and points buyers to E&O or a BOP for those gaps. Heffernan does not publish a comparable exclusion list on its cyber page. 2 1
What Should You Confirm in Heffernan Insurance Brokers and TechInsurance Cyber Insurance Quotes?
Heffernan Insurance Brokers vs TechInsurance Cyber Insurance Compared
Heffernan Insurance Brokers vs TechInsurance: Cyber Insurance: documented features by provider
| Criteria | Heffernan Cyber Security Insurance Brokerage | TechInsurance Cyber Liability Insurance |
|---|---|---|
| Who It’s For | Heffernan says cyber insurance is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations. 1Company-reported. Cyber Security Insurance page's FAQ answer on who needs cyber insurance; this is general educational content on Heffernan's own page rather than a stated underwriting appetite. | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. 2Company-reported. Who needs cyber liability insurance section of the product page. |
| How to Apply | Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. 1Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer. | You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. 2Company-reported. Cyber liability product page application and certificate sections. |
| Coverage Features | Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. 1Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected. | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. 2Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. 2Company-reported. What isn't covered by cyber liability insurance section of the product page. |
| Role in This Line | Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. 1Company-reported. Cyber Security Insurance page's description of the cyber risk team. | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. 2Company-reported. Cyber liability product page. |
