---
title: "Heffernan Insurance Brokers vs TechInsurance Cyber Insurance"
description: "TechInsurance discloses a specific median cost from its own book and named exclusions; Heffernan gives only a general market-wide range."
canonical: "https://spot.insure/compare/heffernan-vs-techinsurance/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Heffernan Insurance Brokers vs TechInsurance Cyber Insurance

TechInsurance discloses a specific median cost from its own book and named exclusions; Heffernan gives only a general market-wide range.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and TechInsurance for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

TechInsurance says its cyber liability policyholders pay a median of $129 a month based on its own customer data and lists specific coverage exclusions, while Heffernan's FAQ gives only a general market-wide premium range without exclusions. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")

## What Is Heffernan Insurance Brokers?

Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. [1](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [9](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Published Cost

Heffernan's FAQ gives only a general market-wide premium range of a few hundred to several thousand dollars a year, not tied to its own book of business. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") TechInsurance instead discloses a specific figure drawn from its own customer data:

TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..)

### What Each Page Says Is Excluded

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 hardware damage, pointing buyers to E&O or a BOP for those gaps. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") Heffernan's cyber page does not list comparable exclusions; it describes what a policy covers, data recovery, legal fees, notification and business interruption, without a stated exclusions section. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")

### Who Each Page Targets

Heffernan names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations generally. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") TechInsurance instead names IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising as example segments. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")

## What to Confirm in Cyber Insurance Quotes

- Neither page names an issuing insurer; ask both Heffernan and TechInsurance which carrier would underwrite your policy. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Confirm whether TechInsurance's $129-a-month median applies to a business like yours, since it depends on employee count, data volume and coverage limits. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Ask Heffernan for a specific premium quote for your business rather than its general market range. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")
- Ask TechInsurance whether technology E&O should be bundled with cyber for your business, since it says the two are often packaged together. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")

## Offering Details

| Criteria | Heffernan Cyber Security Insurance Brokerage | TechInsurance Cyber Liability Insurance |
| --- | --- | --- |
| 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. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page..) |
| Issuing Insurer | The cyber page does not name the insurer that would issue a cyber policy arranged through Heffernan. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Not publicly disclosed; scope: Checked the Cyber Security Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) | The reviewed cyber liability page does not name the issuing insurer for a cyber policy; TechInsurance says it collects an application and returns quotes from multiple carriers rather than naming one insurer upfront. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Cyber liability product page as read on 2026-09-23..) |
| 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. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Who needs cyber liability insurance section of the product page..) |
| 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. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page; coverage described in general terms, not a specific policy form..)<br><br>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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: What isn't covered by cyber liability insurance section of the product page..) |
| Limits and Retentions | The cyber page does not publish specific limits or retentions for a Heffernan-arranged cyber policy; its FAQ gives only a general premium range of a few hundred to several thousand dollars annually across the market. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Not publicly disclosed; scope: Checked the Cyber Security Insurance page on 2026-09-23..) | TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| Risk Services | Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: Cyber Security Insurance page's services description..) | The reviewed cyber liability page does not describe ongoing security monitoring or other risk-management services for policyholders; it focuses on coverage, cost and how to buy. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Not found in reviewed sources; scope: Cyber liability product page as read on 2026-09-23..) |
| 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. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page application and certificate sections..) |

## Full Comparison

- [Heffernan Insurance Brokers vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Heffernan Insurance Brokers vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-techinsurance/business-owners-policy)
- [Heffernan Insurance Brokers vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/commercial-auto)
- [Heffernan Insurance Brokers vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/commercial-property)
- [Heffernan Insurance Brokers vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/employment-practices)
- [Heffernan Insurance Brokers vs TechInsurance Fidelity Bonds](https://spot.insure/compare/heffernan-vs-techinsurance/fidelity-bonds)
- [Heffernan Insurance Brokers vs TechInsurance General Liability Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/general-liability)
- [Heffernan Insurance Brokers vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/professional-errors-omissions)
- [Heffernan Insurance Brokers vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/cyber)
- [Alliance Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/cyber)
- [Amelia Risk vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/cyber)
- [Amelia Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/cyber)
- [At-Bay vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/at-bay-vs-heffernan/cyber)
- [At-Bay vs TechInsurance Cyber Insurance](https://spot.insure/compare/at-bay-vs-techinsurance/cyber)

## Sources

### Heffernan Insurance Brokers

1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
4. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Make Cyber Liability Insurance Part of Your Cyber Risk Management Plan: cyber risk team determines exposure, shops the market, presents options and guides coverage selection; incident-response access; Frequently Asked Questions on what cyber insurance covers, who needs it, cost and how to get it. Accessed 2026-09-23.

### TechInsurance

5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Cyber Liability Insurance – Compare Quotes](https://www.techinsurance.com/cyber-liability-insurance). TechInsurance; What does cyber liability insurance cover?; First-party vs third-party coverage sections; How much does cyber liability insurance cost?; Who needs cyber liability insurance?; What isn't covered by cyber liability insurance?. Accessed 2026-09-23.
8. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Cyber liability insurance card under Top recommended small business insurance policies. Accessed 2026-09-23.

### Cyber Insurance Guide

9. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. 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/cyber.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)