Heffernan Insurance Brokers vs TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance?

TechInsurance cites a median of $88 a month and names IT, SaaS, cybersecurity, insurance agents and tax preparers. Heffernan Insurance Brokers spans sole proprietors to fast-growing companies in construction, food, hospitality and more.

TechInsurance reports a median E&O premium and a step-by-step claims process, while Heffernan's small-business page publishes no pricing or claims-handling detail for this line. ^2,¹

What Are the Key Differences Between Heffernan Insurance Brokers and TechInsurance Professional Liability (E&O) Insurance?

What Each Publishes About Cost

TechInsurance publishes a company-reported cost figure drawn from its own book of business for this line:

TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. ²Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Heffernan's reviewed page does not publish limits, retentions, or premium ranges for the coverage it places. ¹

When comparing Heffernan Insurance Brokers and TechInsurance, use published pricing as a budget screen; the actual quote still decides the cost comparison.

Which Businesses Each Targets

TechInsurance names IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example E&O buyers, and notes coverage is sometimes required by state law or licensing boards. ² Heffernan instead names a broader small-business list, including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers. ¹

What Happens After a Claim

TechInsurance describes a specific claims process: if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. ² Heffernan's page does not describe a claims process for this line. ¹

What Should You Confirm in Heffernan Insurance Brokers and TechInsurance Professional Liability (E&O) Insurance Quotes?

Ask TechInsurance for a quote reflecting your own risk factors rather than relying on its published median. ²
Ask Heffernan for pricing and a limit range, since its page publishes neither. ¹
Ask both firms which insurer would underwrite your policy, since neither names one. ² ¹
Ask Heffernan what its process looks like if a client threatens a claim. ¹

Heffernan Insurance Brokers vs TechInsurance Professional Liability (E&O) Compared

Heffernan Insurance Brokers vs TechInsurance: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Heffernan Professional Errors and Omissions Brokerage	TechInsurance Errors and Omissions Insurance
Who It’s For	Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage.	TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. ²Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.
Coverage Features	Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.	TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. ²Company-reported. Errors and omissions product page; general policy description, not a specific policy form. TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. ²Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.
Role in This Line	Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.	TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. ²Company-reported. Errors and omissions product page.

Criteria

Heffernan Professional Errors and Omissions Brokerage

TechInsurance Errors and Omissions Insurance

Who It’s For

Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage.

TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. ²Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.

Coverage Features

Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.

TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. ²Company-reported. Errors and omissions product page; general policy description, not a specific policy form.

TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. ²Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.

Role in This Line

Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.

TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. ²Company-reported. Errors and omissions product page.