Heffernan Insurance Brokers vs 
Travelers Business Owner’s Policy
Travelers' reviewed BOP is for named technology-services classes with cyber and E&O; Heffernan brokers SBA-size BOPs across many industries.
What Is Heffernan Insurance Brokers?
Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. 1,2,3
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 5,6,7
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 9
Key Differences in Business Owner’s Policy
Tech Occupations Versus a Multi-Industry Desk
Travelers markets this BOP to computer installation and repair, data processing, internet service providers, IT consultants and schools, software development, web development and design, and web hosting. Heffernan targets SBA-size companies across construction, food, health care, hospitality, real estate, technology and transportation. A non-tech class on Heffernan's list is outside the occupations on Travelers' reviewed technology-services page. 8 4
Cyber and E&O in the Bundle
Travelers says the Technology Services BOP includes property, general liability, business income and extra expense, and cyber liability and errors & omissions. Heffernan describes a property-and-liability package without listing cyber or E&O as part of the BOP on the reviewed page. Travelers also offers Xtend, Employment Practices Liability+ and World Business Essentials as optional add-ons. 8 4
Agent Channel Versus Broker Research
Travelers directs buyers to an independent agent and does not offer a self-service online quote on the reviewed page. Heffernan places the line through its small-business division and will research a custom package for an unlisted niche. Neither page names the specific issuing entity. 8 4
What to Confirm in Business Owner’s Policy Quotes
- Confirm whether Travelers classifies your work as a listed technology-services occupation. 8
- Ask Heffernan which insurer would write a BOP if you sit in construction, hospitality or another non-tech class. 4
- Check whether cyber and E&O are included on the Travelers form versus Heffernan's placed policy. 8 4
- Ask which Travelers add-ons appear on the quote. 8
Offering Details
Heffernan Insurance Brokers vs Travelers Business Owner’s Policy: documented features by provider
| Criteria | Heffernan Business Owner's Policy (BOP) | Technology Services Business Owner's Policy |
|---|---|---|
| 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. 4Company-reported. Small Business Insurance page description of the division and its BOP offering. | Travelers packages this line as a Technology Services Business Owner's Policy (BOP) that bundles property insurance with liability insurance into a single policy for small technology-services businesses. 8Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23. |
| Issuing Insurer | The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. 4Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations. | The Small Business Technology Services Insurance page does not name the specific Travelers entity that issues this BOP; the issuing company is disclosed on the policy itself. 8Not found in reviewed sources. Page checked on 2026-09-23; no underwriting-entity footer was present on this page. |
| 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. 4Company-reported. Small Business Insurance page's eligibility and industry-list sections. | Travelers markets this BOP to small businesses providing technology services, including computer installation and repair, data processing services, internet service providers, IT consultants and schools, software development, web development and design, and web hosting. 8Company-reported. "Who is small business technology services insurance right for?" section. |
| 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. 4Company-reported. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there. | Travelers says the Technology Services BOP includes property coverage, general liability, business income and extra expense coverage, and cyber liability and errors & omissions coverage, bundled into one policy. 8Company-reported. BOP description on the Small Business Technology Services Insurance page. Travelers offers optional add-ons for this BOP: the Xtend Endorsement, which it describes as 15 general liability coverage enhancements including a blanket waiver of subrogation; Employment Practices Liability+ (EPL+) for claims like discrimination or wrongful termination; and World Business Essentials, which extends some property and liability coverage for periodic overseas travel. 8Company-reported. "Customize your business policy with these add-ons" section. |
| Limits and Retentions | The small-business page does not publish BOP limits, deductibles or premium ranges. It cites only general statistics on the cost of small-business lawsuits, not Heffernan's own policy terms. 4Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. | The page does not publish specific coverage limits, deductibles or sublimits for the Technology Services BOP or its add-ons; those figures appear on the quote and declarations. 8Not found in reviewed sources. Page checked on 2026-09-23. |
| Risk Services | Heffernan says its small-business division focuses entirely on the needs of small-business clients and will research and build a custom-designed package for an industry or niche not listed on the page. 4Company-reported. Small Business Insurance page description of the division's approach. | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | Travelers directs buyers to an independent insurance agent to tailor and purchase this BOP; the page does not offer a direct self-service online quote or bind path. 8Company-reported. "Find an insurance agent" call-to-action on the technology-services page. |
Full Comparison
More Heffernan Insurance Brokers vs Travelers Comparisons
Other Business Owner’s Policy Comparisons
Sources
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. 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. Accessed 2026-09-16.
- Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
- Small Business Insurance. Heffernan Insurance Brokers; Tailor-Made Insurance for Small Businesses; types of coverage we can provide including business owner's policy; industry list; U.S. Small Business Administration size definition. Accessed 2026-09-23.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Small Business Technology Services Insurance. Travelers; Technology services business owner's policy (BOP) section; Who is small business technology services insurance right for?; Customize your business policy with these add-ons; Find an insurance agent CTA. Accessed 2026-09-23.
Business Owner’s Policy Guide
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
