Heffernan Insurance Brokers vs 
The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?
The Hartford publishes average minimum monthly premiums, such as $62 for miscellaneous professional liability. Heffernan Insurance Brokers shops E&O with insurers for small businesses through its small-business division.
The Hartford publishes average minimum monthly premiums for five named professional-liability products, while Heffernan's small-business page publishes no pricing for the coverage it places. 2,1
What Are the Key Differences Between Heffernan Insurance Brokers and The Hartford Professional Liability (E&O) Insurance?
What Each Publishes About Price
The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone at $62, Misc. Professional Liability Endorsement at $41, Architects and Engineers Professional Liability at $239, Healthcare Professionals Professional Liability at $38, and Errors & Omissions Insurance for Technology Companies at $146:
The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. 2Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.
Heffernan's reviewed page publishes no premium, limit or retention figures for the errors and omissions coverage it places. 1
When comparing Heffernan Insurance Brokers and The Hartford, use published pricing as a budget screen; the actual quote still decides the cost comparison.
How the Policy Form Is Described
The Hartford says many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period, typically 30 to 60 days and extendable to a year or more for an added cost, though some products are written on an occurrence basis. 2 Heffernan's page does not address claims-made status, retroactive dates or extended reporting for the coverage it places. 1
What's Named as Covered
The Hartford names specific covered claim types, including negligence, misrepresentation, inaccurate advice, personal injury such as libel or slander, and copyright infringement, plus defense costs. 2 Heffernan's page describes coverage in general terms only, as protecting against claims for problems with a product or service that cause a client financial loss. 1
What Should You Confirm in Heffernan Insurance Brokers and The Hartford Professional Liability (E&O) Insurance Quotes?
- Ask The Hartford which of its five named product configurations applies to your business, since pricing differs sharply by product. 2
- Ask Heffernan for a premium range and limit, since its page publishes neither. 1
- Ask The Hartford whether your policy is claims-made or occurrence, and what extended-reporting-period options and cost apply. 2
- Ask Heffernan which claim types and exclusions apply to the policy it places. 1
Heffernan Insurance Brokers vs The Hartford Professional Liability (E&O) Compared
Heffernan Insurance Brokers vs The Hartford: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Heffernan Professional Errors and Omissions Brokerage | The Hartford Professional Liability Insurance (Errors & Omissions) |
|---|---|---|
| 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. | The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. 2Company-reported. Professional liability product page as read 2026-09-23. |
| 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. | The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. 2Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls. |
| 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. | The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. 2Company-reported. Professional liability product page as read 2026-09-23. |
