---
title: "Heffernan Insurance Brokers vs The Hartford: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/heffernan-vs-the-hartford/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-the-hartford"
provider-a: "heffernan"
provider-b: "the-hartford"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-the-hartford/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and The Hartford for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about Heffernan Insurance Brokers versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Heffernan Insurance Brokers vs The Hartford for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Heffernan Insurance Brokers or The Hartford?
- What does Heffernan Insurance Brokers or The Hartford publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Heffernan Insurance Brokers and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Heffernan Insurance Brokers vs The Hartford](https://spot.insure/compare/heffernan-vs-the-hartford) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 premiums for five named E&O products; Heffernan's page publishes no pricing.

## Heffernan Insurance Brokers vs The Hartford Professional Liability (E&O) Insurance Summary

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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## 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. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") Heffernan's page does not address claims-made status, retroactive dates or extended reporting for the coverage it places. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Ask Heffernan for a premium range and limit, since its page publishes neither. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Ask The Hartford whether your policy is claims-made or occurrence, and what extended-reporting-period options and cost apply. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Ask Heffernan which claim types and exclusions apply to the policy it places. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## Heffernan Insurance Brokers vs The Hartford Professional Liability (E&O) Compared

| 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |

## About Heffernan Insurance Brokers and The Hartford

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Heffernan Insurance Brokers vs The Hartford

- [Heffernan Insurance Brokers vs The Hartford](https://spot.insure/compare/heffernan-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/heffernan/professional-errors-omissions)
- [The Hartford Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions)

## Sources for Heffernan Insurance Brokers vs The Hartford

### Sources About Heffernan Insurance Brokers

1. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages. Accessed 2026-09-23.

### Sources About The Hartford

2. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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