Heffernan Insurance Brokers vs 
TechInsurance: How Do They Compare for Workers’ Compensation Insurance?
TechInsurance arranges workers' comp for small businesses, reports a median cost of $54 a month, and quotes through a short online application; Heffernan Insurance Brokers places it for businesses of all sizes.
TechInsurance publishes a $54 monthly median workers’ comp premium; Heffernan does not publish a comparable price and instead details claims advocacy. 5,4,3
What Are the Key Differences Between Heffernan Insurance Brokers and TechInsurance Workers’ Compensation Insurance?
Published Cost Benchmark
TechInsurance reports a median of $54 per month, or about $643 per year, across its workers’ comp policyholders; employee count, location, claims history and industry affect an individual price. 5 That benchmark gives a starting point for budgeting, not a quote for your payroll. Choose TechInsurance if you want a published price reference; choose Heffernan if you prioritize its documented claims-advocacy services. 4
State Requirement Detail
TechInsurance names specific states with exceptions: Texas and South Dakota don't mandate coverage, California requires it for certain contractors, and four states run monopolistic funds. Heffernan's pages describe eligibility only in terms of the business practices it places the line through, without naming specific state exceptions. 5 2
Claims and Billing Flexibility
TechInsurance mentions pay-as-you-go and minimum-premium structures for very small businesses. Heffernan instead documents a dedicated claims-consulting division with services like carrier liaison, experience-mod analysis and 24/7 medical triage, a different kind of flexibility aimed at claims outcomes rather than billing. 5 4
What Should You Confirm in Heffernan Insurance Brokers and TechInsurance Workers’ Compensation Insurance Quotes?
- Ask TechInsurance whether your state is one of the four it names as monopolistic. 5
- Ask Heffernan which insurer would issue your policy, since its pages name none. 1
- Compare TechInsurance's published $54 median against Heffernan's actual quote for your payroll. 5
- Ask Heffernan's claims division exactly which services activate automatically versus require a separate engagement. 4
Heffernan Insurance Brokers vs TechInsurance Workers’ Compensation Compared
Heffernan Insurance Brokers vs TechInsurance: Workers’ Compensation Insurance: documented features by provider
| Criteria | Heffernan Workers' Compensation Brokerage and Claims Advocacy | TechInsurance Workers' Compensation Insurance |
|---|---|---|
| Who It’s For | Heffernan places workers' compensation for businesses of all sizes across its small-business, healthcare, home care, and transportation practices, among others. 2,3Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; not an exhaustive eligibility schedule. | TechInsurance says workers' comp requirements vary by state: most states require coverage once a business hires its first employee, Texas and South Dakota do not mandate it, and some states such as California require it for certain contractors even with no employees. 5Company-reported. Workers' compensation product page, Are you legally required to carry workers' comp insurance? section. |
| Coverage Features | Heffernan describes workers' compensation as covering injuries to employees while on the job, and says the cost has the greatest financial impact on a home care agency's expenses among the coverages in that package. 2,3Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; the reviewed pages do not describe statutory limits or state-specific benefit schedules. | TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. 5Company-reported. Workers' compensation product page; general policy description, not a specific policy form. |
| Role in This Line | Heffernan lists workers' compensation among the basic coverages it places for business clients, and runs a separate claims-consulting division that works alongside the issuing carrier rather than underwriting the policy itself. 1,4Company-reported. Business Insurance Brokerage and Claims Advocacy pages as read on 2026-09-23. | TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. 5Company-reported. Workers' compensation product page. |
