--- title: "Heffernan vs The Hartford" description: "Compare Heffernan’s brokerage with The Hartford’s small-business products, including California EPL limitations." canonical: "https://spot.insure/compare/heffernan-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Heffernan Insurance Brokers", "The Hartford"] --- [Human-readable page](https://spot.insure/compare/heffernan-vs-the-hartford) # Heffernan vs The Hartford Compare Heffernan’s brokerage with The Hartford’s small-business products, including California EPL limitations. ## Research Scope and Use Use this comparison to evaluate Heffernan Insurance Brokers and The Hartford against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Heffernan arranges small-business and executive protection. The Hartford offers small-business packages and separate technology and management products through direct and agent routes. California buyers should not assume built-in employment-practices protection accompanies a BOP. [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") ## Introduction Heffernan Insurance Brokers arranges small-business insurance and executive protection. The Hartford offers small-business packages alongside technology and management-liability products, with direct and agent buying routes. A California software business hiring employees should compare the actual technology and employment protections rather than assume a business owner’s policy covers both. [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") ## Documented Provider Strengths ### Heffernan Insurance Brokers - The technology practice markets brokerage to mid- and late-stage companies, including VC-funded, pre-IPO, and globally expanding firms. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.) - Heffernan describes full-service claims consulting, including workers’ compensation carrier liaison and medical triage. [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Company descriptions of advocacy and a specialty cargo claims unit. Speed, “$1 billion managed,” and “up to 75% faster” figures are not adopted as verified performance.; verified: 2026-09-16.) ### The Hartford - The Hartford designs small-business packages for SaaS and other software companies, typically starting from a business owner’s policy. [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [28](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [50](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [49](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) - Small-business buyers can start an online quote-and-buy flow or call, or use an independent Hartford agent; commercial auto is not sold on that self-serve path. [28](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [34](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [43](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Heffernan Insurance Brokers | The Hartford | | --- | --- | --- | | Builders risk | Listed [15](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") | Not listed | | Business owner’s policy | Listed [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed [35](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Cargo and transit | Listed [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Commercial auto | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [43](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial property | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [37](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Crime | Listed [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Listed [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Cyber liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed [39](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Directors and officers | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [46](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | Employee health and benefits | Listed [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") | Listed [50](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") | | Employment practices liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [42](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Fidelity bonds | Listed [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Not listed | | Fiduciary liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | General liability | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed [36](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Hired and non-owned auto | Listed [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Listed [44](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [43](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | Kidnap and ransom | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Last-mile delivery | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Management liability | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Listed [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Medical malpractice | Listed [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") | Not listed | | Professional liability / E&O | Listed [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed [41](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | Representations and warranties | Listed [20](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") | Not listed | | Surety bonds | Listed [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [13](https://www.heffins.com/quick-insure/ "Quick Insure") | Not listed | | Technology errors and omissions | Not listed | Listed [40](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [39](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | Tools, equipment and inland marine | Not listed | Listed [49](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | Trucking | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed | | Umbrella and excess liability | Listed [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Listed [47](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [48](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | Workers’ compensation | Listed [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed [38](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Heffernan Insurance Brokers and the Hartford ### A BOP and Technology E&O Address Different Questions The Hartford describes a BOP combining general liability, property and business income, with separate cyber and FailSafe technology-liability offerings. Heffernan lists BOP and professional liability through its small-business practice and offers cyber market selection. Ask the advisor to identify the form responding to software errors, customer data claims and damage to business property. A SaaS marketing page does not make all those products one contract. [35](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [39](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [40](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") ### California Changes the EPL Question The Hartford’s employment-practices page excludes California from its built-in EPL protection and says the described program does not apply to EPL written there. That does not establish the absence of a separate or differently structured California option. Heffernan markets employment-practices coverage, but the proposed insurer must confirm eligibility and wording. Request a specific EPL proposal instead of relying on a package’s general inclusion language. [42](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") ### The Purchase Channel Does Not Eliminate Distribution Cost The Hartford allows eligible buyers to purchase directly or through an agent and discloses compensation for both independent producers and employee sellers. Heffernan’s engagement adds brokerage and potentially other risk services, whose account-specific price is not published. Compare the services and charges attached to the actual purchase; direct access is not evidence of a lower matched premium or no distribution compensation. [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [51](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") ## What to Confirm in Quotes Obtain the California EPL answer, complete cyber/technology forms, legal insurer and effective dates. Ask which products use the online route and which need agent handling, then identify who coordinates changes and claims. Confirm Heffernan’s access to any Hartford product proposed rather than assuming a brokerage appointment. [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [30](https://www.thehartford.com/legal-notice "Legal Notice") [52](https://www.thehartford.com/claims "Insurance Claim Center") [12](https://www.heffins.com/contact-us/ "Contact Us") ## Service Comparison Heffernan vs The Hartford: documented services and availability. | Criteria | Heffernan Insurance Brokers | The Hartford | | --- | --- | --- | | Business role | Heffernan describes itself as an insurance broker and risk manager that shops markets, presents options, and places coverage with insurance carriers. It is not identified in the reviewed pages as the insurer that issues or pays claims on a buyer’s policy. Privacy language says it may share underwriting information with non-affiliated parties to solicit quotations from insurance carriers. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [5](https://www.heffins.com/privacy-statement/ "Privacy Statement") [1](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Company-reported; scope: Company-described broking role. Do not infer underwriting authority for all products from the marine-cargo program’s in-house authority language.; verified: 2026-09-16.)

Public pages and a 26 August 2026 company release use the name Heffernan Insurance Brokers and display California license number 0564249. They identify F. Michael Heffernan as President and CEO. The reviewed official pages do not print a longer corporate legal name such as an “Inc.” suffix. Confirm the contracting producer name on the engagement agreement and policy. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [24](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html "Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.") [2](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Brand and license-number display only. Not independent license verification or a complete legal-entity chart.; verified: 2026-09-16.)

Heffernan’s current site says it has been independent and employee-owned since 1988. A 2019 SkyKnight Capital announcement described a minority investment that recapitalized Heffernan’s ESOP while management said the firm would retain a culture of employee ownership. Current ownership percentages were not disclosed in the 2026 pages reviewed. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [2](https://www.heffins.com/about-us/our-story/ "Our Story") [25](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth "SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth") (Evidence: Company-reported; scope: Company and investor announcements. Not a current cap-table verification.; verified: 2026-09-16.)

Heffernan Network Insurance Brokers is described as a wholly owned subsidiary, formerly OLI Insurance Services, that acquires or partners with independent agencies. Costero Brokers Ltd. appears as Heffernan’s London location listing. Heffernan Benefit Advisors is the name used on the employee-benefits page. These related names do not by themselves identify the producer or insurer on a California technology policy. [21](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/ "Heffernan Network Insurance Brokers") [22](https://www.heffins.com/about-us/locations/costero-brokers-ltd/ "London, UK – Costero Brokers") [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") [3](https://www.heffins.com/about-us/locations/ "Our Locations") (Evidence: Company-reported; scope: Official related-entity descriptions. Costero’s FCA status and Heffernan’s exact current ownership of Costero were not independently verified in this draft.; verified: 2026-09-16.) | The Hartford is the brand of The Hartford Insurance Group, Inc., a financial holding company whose subsidiaries underwrite property-and-casualty insurance, employee benefits and other financial products. Independent agents and brokers, and Hartford employees who sell insurance, distribute those products. The brand is not itself the insurer on a policy. [30](https://www.thehartford.com/legal-notice "Legal Notice") [51](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [47](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) | | Customer focus | Heffernan Insurance Brokers is an independent retail brokerage that arranges business insurance, personal insurance, employee benefits, and financial-services products. Its technology practice says it specializes in mid- to late-stage technology companies, including venture-funded startups, pre-IPO companies, and firms using enterprise risk or self-insurance strategies. A separate small-business division describes serving sole proprietors through fast-growing companies, including technology businesses. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.) | The Hartford markets small-business insurance to SaaS companies, software startups, cloud and IT consulting firms, and other small businesses, and separately sells midsize/large commercial and employer benefits products. [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [28](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [50](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [49](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) | | Coverage lines | The business-insurance page lists general liability, commercial property, commercial auto, workers’ compensation, and global/foreign exposures among basic coverages it can provide. Corporate and executive protection listed there includes employment-practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom. The small-business page also lists errors and omissions and a business owner’s policy among coverages it can provide. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Direct offering lists. Labels are marketed brokerage capabilities, not policy wording, limits, or a promise that every technology applicant will be offered each line.; verified: 2026-09-16.)

Specialty practices list additional products: builders risk for construction projects; marine cargo, logistics E&O, and surety bonds in the cargo program; trucking, final-mile delivery, motor truck cargo, and umbrella or excess in transportation; medical malpractice in healthcare; crime, fidelity/employee-dishonesty bonds, and hired/non-owned auto in the home-care program; and representations-and-warranties insurance in the private-equity and M&A practice. Employee benefits are offered separately through Heffernan Benefit Advisors, including group medical, dental, vision, life, and disability examples. [15](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [20](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") (Evidence: Company-reported; scope: Direct practice pages. Home-care “all states” language is not used as a California eligibility finding. Technology-page FAQ coverage examples were not used as the catalogue.; verified: 2026-09-16.)

For buyers trying to control total cost of risk, Heffernan describes loss-sensitive and alternative arrangements including self-insurance, partial self-insurance, large deductibles, and captives. The technology page separately discusses self-insurance strategies for later-stage companies. These are options to evaluate in a proposal, not a standard policy form. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Company-described capabilities. Captive feasibility, funding, and domicile are not established by the marketing copy.; verified: 2026-09-16.) | Documented Hartford offerings for businesses include a business owner’s policy (general liability, commercial property and business income), stand-alone general liability and commercial property, workers’ compensation, cyber (including BOP data-breach add-ons, CyberChoice First Response and FailSafe Technology E&O), miscellaneous professional liability, employment practices liability, commercial auto and hired/non-owned auto, management-liability packages (Private Choice Premier: directors and officers, EPL, fiduciary, crime, kidnap and ransom), commercial umbrella, employee benefits, and inland marine for midsize and large accounts. Actual forms, limits and availability vary by product, state and underwriting. [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [35](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [39](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [40](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [41](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [42](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [43](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [44](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [47](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [50](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [49](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Product and service pages reviewed 16 September 2026. Educational FAQs were not used as the sole proof of an offering. Marketing lists are not specimen policy wording.; verified: 2026-09-16.)

The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [42](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) | | Availability | Heffernan says it has a nationwide presence, lists U.S. offices from California to Florida, and states that website content is intended for U.S. users except where otherwise specified. The technology practice says nearly all of its clients operate globally and that it serves major metropolitan hubs. The reviewed pages do not publish a product-by-state eligibility schedule for technology insurance. Office locations and nationwide marketing do not establish that a particular California or other-state policy is available. [2](https://www.heffins.com/about-us/our-story/ "Our Story") [3](https://www.heffins.com/about-us/locations/ "Our Locations") [5](https://www.heffins.com/privacy-statement/ "Privacy Statement") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [1](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Not publicly disclosed; scope: No independently verified 50-state licensure or worldwide product availability. Home-care “all states” copy is not extrapolated to technology placements.; verified: 2026-09-16.)

Heffernan displays California license number 0564249 in its site footer and in a 2026 company news release. Current producer-license status, license class and authorized lines remain independently unverified. A displayed number is not by itself proof that a given product can be sold in California. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [24](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html "Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.") [26](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "California License Number Search") (Evidence: Not found in reviewed sources; scope: Accessed 16 September 2026. Empty CDI form is not a failed license or an adverse finding. No attempt to bypass access controls.; verified: 2026-09-16.) | The Hartford states that products are not available in all states or for all businesses, and that listing a writing company as authorized to transact insurance does not guarantee that coverage will be offered. Workers’ compensation pages also say that in some states coverage can be bought only from a state-run program, not from a private insurer such as The Hartford. [28](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [30](https://www.thehartford.com/legal-notice "Legal Notice") [38](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [35](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company availability footnotes and workers’ compensation quiz copy as of 16 September 2026. The reviewed pages did not publish a complete product-by-state matrix for SaaS or BOP.; verified: 2026-09-16.)

The Hartford operates a California small-business insurance page that lists BOP, general liability, workers’ compensation, commercial auto, commercial property and professional liability and says California buyers can get a quote online or by phone. Hartford Fire Insurance Company is independently listed by the California Department of Insurance as an authorized property-and-casualty insurer (NAIC 19682). Those facts do not identify which affiliate would issue a particular California policy or whether a given SaaS risk will be accepted. [29](https://www.thehartford.com/business-insurance/california "California Business Insurance") [54](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [30](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Company-reported; scope: Company California marketing plus CDI company profile accessed 16 September 2026. Office location and nationwide authorization tables were not treated as product eligibility.; verified: 2026-09-16.) | | Application process | The public commercial path starts with a Contact Us inquiry. The empty form inspected on 16 September 2026 asks for first and last name, email, optional phone, insurance needed, and a description of operations, plus a required choice among Need A Quote, Other, or Would like to speak with someone. Submitting the form does not display a premium or bind coverage. [12](https://www.heffins.com/contact-us/ "Contact Us") (Evidence: Verified; scope: Chrome inspection of the unsubmitted Contact Form 7 on heffins.com/contact-us/. No fields completed and no submission. Downstream underwriting not tested.; verified: 2026-09-16.)

Heffernan tells technology buyers to work with a specialized broker who assesses the business and gathers quotes from insurers. Its cyber team says it determines exposure, shops the market, presents options, and guides coverage selection. Quick Insure is a separate path that markets faster quotes for selected personal and short-term business products. The reviewed pages do not promise a universal quote or binding turnaround for a growth-stage technology program. [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [13](https://www.heffins.com/quick-insure/ "Quick Insure") [12](https://www.heffins.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Service descriptions. Technology-page FAQ “how do I get” language is educational process copy, not a measured SLA.; verified: 2026-09-16.) | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [28](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [34](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [43](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) | ## Related Reading - [What Is Heffernan Insurance Brokers?](https://spot.insure/insurance-providers/heffernan) - [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford) ## Related Comparisons - [Alliance Risk vs Heffernan Insurance Brokers](https://spot.insure/compare/alliance-risk-vs-heffernan) - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Amelia Risk vs Heffernan](https://spot.insure/compare/amelia-risk-vs-heffernan) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Armilla vs Heffernan Insurance Brokers](https://spot.insure/compare/armilla-vs-heffernan) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [At-Bay vs Heffernan Insurance Brokers Insurance](https://spot.insure/compare/at-bay-vs-heffernan) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - 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[Heffernan Insurance Brokers](https://www.heffins.com/). Heffernan Insurance Brokers; What we offer; Independent since 1988; Built for what’s next; footer copyright and License #0564249; Quick Insure; Get a quote; Propeller bond-portal disclaimer. Accessed 2026-09-16. 2. [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. 3. [Our Locations](https://www.heffins.com/about-us/locations/). Heffernan Insurance Brokers; Nationwide coverage heading; Walnut Creek corporate headquarters; Bay Area and other California offices; Pacific Northwest, Mountain West, Northeast, Southeast, Honolulu; London Costero listing; footer License #0564249. Accessed 2026-09-16. 4. [Walnut Creek](https://www.heffins.com/about-us/locations/walnut-creek/). Heffernan Insurance Brokers; Corporate headquarters; founded 1988 in Walnut Creek. Accessed 2026-09-16. 5. [Privacy Statement](https://www.heffins.com/privacy-statement/). Heffernan Insurance Brokers; Collection for professional services; disclosure to non-affiliated third parties to solicit quotations from insurance carriers; website content developed in the United States and intended for U.S. users except where otherwise specified. Accessed 2026-09-16. 6. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Basic coverages list; corporate and executive protection list; alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16. 7. [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 treated as educational, not a product catalogue.. Accessed 2026-09-16. 8. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Sole proprietors to fast-growing companies; types of coverage we can provide; industry list including Technology. Accessed 2026-09-16. 9. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Cyber risk team that determines exposure, shops the market, presents options, and guides coverage selection. FAQ cost ranges treated as educational, not a price schedule.. Accessed 2026-09-16. 10. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Full-service claims consulting; workers’ compensation strategy and carrier liaison; medical triage; general liability, auto and property advocacy; vendor compliance tools. Outcome and speed claims are company-reported.. Accessed 2026-09-16. 11. [Health Insurance services](https://www.heffins.com/employee-benefits/). Heffernan Insurance Brokers; Heffernan Benefit Advisors; large and small group employee benefits, dental, vision, life and disability, voluntary benefits, Medicare; Administration and Advocacy. Accessed 2026-09-16. 12. [Contact Us](https://www.heffins.com/contact-us/). Heffernan Insurance Brokers; Unsubmitted Contact Form 7: First Name, Last Name, Email, Phone, Insurance Needed, Description of Operations; Select Need A Quote / Other / Would like to speak with someone; Submit. No premium displayed.. Accessed 2026-09-16. 13. [Quick Insure](https://www.heffins.com/quick-insure/). Heffernan Insurance Brokers; Fast quotes for personal and business insurance; business tiles including Short Term General Liability, Surety, Special Event Insurance, Peer-to-Peer Car Rental; Trusted Providers copy without named carriers. Accessed 2026-09-16. 14. [Short-Term General Liability](https://www.heffins.com/short-term-general-liability/). Heffernan Insurance Brokers; Partnership with Thimble Insurance Services for on-demand general liability; eligibility, pricing and coverage may vary by state; non-binding indication disclaimer. Accessed 2026-09-16. 15. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). Heffernan Insurance Brokers; We offer customized builders risk coverage; contractor sectors served. FAQ cost percentages treated as educational.. Accessed 2026-09-16. 16. [Marine Cargo](https://www.heffins.com/business-insurance/marine-cargo/). Heffernan Insurance Brokers; Coverage options including marine cargo, E&O and surety bonds; in-house underwriting authority; exclusive access to major insurance carriers (unnamed); dedicated claims division with settlement authority. Accessed 2026-09-16. 17. [Transportation Insurance](https://www.heffins.com/business-insurance/transportation/). Heffernan Insurance Brokers; Appointed with top transportation carriers (unnamed); trucking and final mile delivery subsectors; exclusive and sponsored products including auto liability, motor truck cargo, umbrella, workers’ compensation, cyber and management liability. Accessed 2026-09-16. 18. [Healthcare Insurance for Health Care Services](https://www.heffins.com/business-insurance/health-care/). Heffernan Insurance Brokers; Medical Malpractice listed among healthcare services; relationships with the nation’s top insurance carriers (unnamed); captives and self-insurance options. Accessed 2026-09-16. 19. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for list including workers’ compensation, general and professional liability, EPL, owned auto, non-owned and hired auto, crime, employee dishonesty bond, cyber, medical billing E&O, and property. “Covering all states” is company-reported, not a verified eligibility schedule.. Accessed 2026-09-16. 20. [Private Equity and M&A](https://www.heffins.com/business-insurance/private-equity-and-ma/). Heffernan Insurance Brokers; Representation & Warranty (RWI) Insurance; transactional risk list including contingent, environmental, tax and litigation buyout; HIB Private Equity and M&A Practice. Accessed 2026-09-16. 21. [Heffernan Network Insurance Brokers](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/). Heffernan Insurance Brokers; Formerly OLI Insurance Services; wholly owned subsidiary; agency acquisition and perpetuation; exclusive carrier access described for partner agencies. Accessed 2026-09-16. 22. [London, UK – Costero Brokers](https://www.heffins.com/about-us/locations/costero-brokers-ltd/). Heffernan Insurance Brokers; Costero Brokers Ltd. London office listing; full-service London brokerage; link to costerobrokers.com. Accessed 2026-09-16. 23. [Modern Brokerage Solutions](https://www.heffins.com/about-us/modern-brokerage-solutions/). Heffernan Insurance Brokers; Independent brokerage; digital document access and service activity status; TrustLayer and Quick Insure mentions; AI workflow claims for claims administration. Outcome claims are company-reported.. Accessed 2026-09-16. 24. [Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html). Heffernan Insurance Brokers via PR Newswire; 26 August 2026 release; Walnut Creek; independent brokerage; F. Michael Heffernan, President and CEO; License #0564249 in about block. Accessed 2026-09-16. 25. [SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth). InsuranceNewsNet reprint of SkyKnight Capital BusinessWire; 22 July 2019 announcement; minority investment; ESOP recapitalization; Mike Heffernan quote on retaining employee ownership. Historical ownership event; current cap table not independently verified.. Accessed 2026-09-16. 26. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Search form inspected 16 September 2026; no license-number query submitted; page showed empty search results (“No data”). No status or legal-name conclusion drawn from the empty form.. Accessed 2026-09-16. ### [The Hartford Official Website](https://www.thehartford.com) 27. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); BOP contents; add-ons (workers’ compensation, data breach, commercial auto); cyber, EPLI, technology professional liability mentions; online quote claim; company-reported industry-average premiums footnote. Accessed 2026-09-16. 28. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16. 29. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16. 30. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16. 31. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16. 32. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16. 33. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 34. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Viewed without submitting an application. Accessed 2026-09-16. 35. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; last updated May 20, 2026; products-not-available-in-all-states footnote. Accessed 2026-09-16. 36. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; Stand-alone GL and BOP bundling; products-completed operations; technology-company example; last updated May 20, 2026; subsidiary-offering disclosure referencing the Legal Notice. Accessed 2026-09-16. 37. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Property and business-interruption descriptions; technology firms listed among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16. 38. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; State-requirement quiz noting some states require purchase from a state-run program rather than a private insurer; pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16. 39. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; BOP-endorsed cyber versus CyberChoice First Response versus FailSafe Technology E&O; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16. 40. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; FailSafe Technology Liability Product Suite features including E&O, security, data privacy/network security, personal injury, intellectual property and media liability; software and SaaS-relevant buyer classes; last updated September 19, 2024. Accessed 2026-09-16. 41. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Miscellaneous professional liability and a listed Errors & Omissions Insurance for Technology Companies product; claims-made versus occurrence discussion; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16. 42. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; Hartford-provided EPLI; BOP inclusion claim; Private Choice Premier and Employers Premier Choice; footnotes that built-in EPL coverage is not available in California, Minnesota, North Dakota or New York and that the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16. 43. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Statement that The Hartford does not currently offer this coverage online for small businesses and may route quotes through a local agency or Tivly; hired and non-owned auto description; last updated August 27, 2026. Accessed 2026-09-16. 44. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hartford offering of hired and non-owned auto; liability-only limitations; last updated August 27, 2026. Accessed 2026-09-16. 45. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Private Choice Premier package (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion); option to add certain coverages to a BOP; instruction to find a local agent. Accessed 2026-09-16. 46. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations via Private Choice Premier. Accessed 2026-09-16. 47. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; optional commercial umbrella; about-10-minute quote claim; products not available in all states; coverages may be offered by one or more P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16. 48. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; Commercial umbrella, EPL, data breach and other coverage descriptions; last updated July 28, 2025; products-not-available-in-all-states footnote. Accessed 2026-09-16. 49. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses. Accessed 2026-09-16. 50. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16. 51. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16. 52. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16. 53. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16. 54. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. 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