Heffernan Insurance Brokers vs The Hartford: How Do They Compare for Business Owner’s Policy?

Heffernan Insurance Brokers builds custom BOP packages for small companies and describes itself as not the insurer; The Hartford reports its customers paid an average of $1,687 a year for a BOP and offers an online quote.

The Hartford gives you the most to go on before you call: it writes the BOP itself, lists its add-ons and reports a $1,687 average annual premium. Heffernan is a broker for firms under 500 employees or $7 million in receipts, and will research a package for a niche it doesn't list. ^2,¹

What Are the Key Differences Between Heffernan Insurance Brokers and The Hartford Business Owner’s Policy?

One Insurer or a Broker's Search

With The Hartford, the company that sells you the BOP is the one that pays claims. Heffernan's small-business division arranges the policy with an insurer it doesn't name, spanning construction, food, health care, hospitality, real estate, technology and transportation. The Hartford pitches its BOP to any business with a physical location, lawsuit exposure or assets that could be stolen or damaged. Choose The Hartford if you're a conventional small business that wants a known price benchmark; choose Heffernan if your niche is unusual enough that you need someone to hunt for an insurer. ² ¹

How Much of the Policy You Can See

The Hartford's BOP combines commercial property, general liability and business income, and lists add-ons: workers' compensation, professional liability, commercial auto, data breach, and income lost when an off-site utility fails. Its $1,687 average is about $141 a month. Heffernan only says it bundles major property and liability risks and publishes no premium, limits or deductibles, so you're comparing blind until it returns a quote. ² ¹

What Should You Confirm in Heffernan Insurance Brokers and The Hartford Business Owner’s Policy Quotes?

Ask The Hartford which of its insurance companies issues your policy. ³
Ask Heffernan which insurer it placed you with and whether business income is included. ¹
Ask The Hartford to price only the add-ons you need. ²
Treat $1,687 as an average across customers, not your premium. ²

Heffernan Insurance Brokers vs The Hartford Business Owner’s Policy Compared

Heffernan Insurance Brokers vs The Hartford: Business Owner’s Policy: documented features by provider

Criteria	Heffernan Business Owner's Policy (BOP)	The Hartford Business Owner's Policy (BOP)
Who It’s For	Heffernan's small-business insurance targets companies the U.S. Small Business Administration defines as having fewer than 500 employees or less than $7 million in annual receipts, ranging from sole proprietors working from home to fast-growing companies, across industries it lists including construction, food, health care, hospitality, real estate, technology and transportation. ¹Company-reported. Small Business Insurance page's eligibility and industry-list sections.	The Hartford says a BOP fits a business that has a physical location, faces a possibility of being sued, or has assets that could be stolen or damaged, and can be customized for specific industries. ²Company-reported. BOP product page as read 2026-09-23.
Coverage Features	Heffernan describes a business owner's policy as a package that combines protection for a company's major property and liability risks in one bundle, assembling the basic coverages a business owner needs. ¹Company-reported. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there.	The Hartford says a BOP does not itself include workers' compensation, professional liability, commercial auto or data breach coverage, but these can be added on top of the base policy, along with off-premises utility business-income coverage. ²Company-reported. BOP product page as read 2026-09-23.
Role in This Line	Heffernan's small-business division arranges a business owner's policy (BOP) for small and growing companies as one of several coverages it places. Heffernan describes itself as the source businesses go to for insurance, not as the insurer. ¹Company-reported. Small Business Insurance page description of the division and its BOP offering.	The Hartford's BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy, rather than requiring three separate policies. ²Company-reported. BOP product page as read 2026-09-23.