---
title: "Heffernan Insurance Brokers vs Travelers Business Owner’s Policy"
description: "Travelers' reviewed BOP is for named technology-services classes with cyber and E&O; Heffernan brokers SBA-size BOPs across many industries."
canonical: "https://spot.insure/compare/heffernan-vs-travelers/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and Travelers for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Travelers packages a Technology Services BOP that includes property, general liability, business income, cyber liability and errors & omissions for listed tech occupations, sold through an independent agent. Heffernan places a general small-business BOP for SBA-size firms in construction, food, health care, hospitality, real estate, technology and transportation. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## 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](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## What to Confirm in Business Owner’s Policy Quotes

- Confirm whether Travelers classifies your work as a listed technology-services occupation. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Ask Heffernan which insurer would write a BOP if you sit in construction, hospitality or another non-tech class. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Check whether cyber and E&O are included on the Travelers form versus Heffernan's placed policy. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Ask which Travelers add-ons appear on the quote. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## Offering Details

| 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Not found in reviewed sources; scope: 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: "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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: BOP description on the Small Business Technology Services Insurance page..)<br><br>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. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: "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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Not found in reviewed sources; scope: 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: "Find an insurance agent" call-to-action on the technology-services page..) |

## Full Comparison

- [Heffernan Insurance Brokers vs Travelers](https://spot.insure/compare/heffernan-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Heffernan Insurance Brokers vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-travelers/cargo-transit)
- [Heffernan Insurance Brokers vs Travelers Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-travelers/commercial-auto)
- [Heffernan Insurance Brokers vs Travelers Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-travelers/commercial-property)
- [Heffernan Insurance Brokers vs Travelers Crime Insurance](https://spot.insure/compare/heffernan-vs-travelers/crime)
- [Heffernan Insurance Brokers vs Travelers Cyber Insurance](https://spot.insure/compare/heffernan-vs-travelers/cyber)
- [Heffernan Insurance Brokers vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-travelers/employment-practices)
- [Heffernan Insurance Brokers vs Travelers Fidelity Bonds](https://spot.insure/compare/heffernan-vs-travelers/fidelity-bonds)
- [Heffernan Insurance Brokers vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-travelers/fiduciary)
- [Heffernan Insurance Brokers vs Travelers General Liability Insurance](https://spot.insure/compare/heffernan-vs-travelers/general-liability)
- [Heffernan Insurance Brokers vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-travelers/professional-errors-omissions)
- [Heffernan Insurance Brokers vs Travelers Surety Bonds](https://spot.insure/compare/heffernan-vs-travelers/surety-bonds)
- [Heffernan Insurance Brokers vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-travelers/workers-compensation)
- [Alliance Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-heffernan/business-owners-policy)
- [Alliance Risk vs Travelers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-travelers/business-owners-policy)
- [Amelia Risk vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-heffernan/business-owners-policy)
- [Amelia Risk vs Travelers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-travelers/business-owners-policy)
- [Chubb vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/chubb-vs-heffernan/business-owners-policy)
- [Chubb vs Travelers Business Owner’s Policy](https://spot.insure/compare/chubb-vs-travelers/business-owners-policy)

## Sources

### Heffernan Insurance Brokers

1. [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.
2. [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. Accessed 2026-09-16.
3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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.
4. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). 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

5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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.
6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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.
7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
8. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). 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

9. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. 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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