---
title: "Heffernan Insurance Brokers vs Travelers: Business Owner’s Policy"
description: "Travelers' Technology Services BOP includes cyber and errors and omissions, but only listed tech occupations qualify and you buy through an independent agent. Heffernan places BOPs for SBA-size firms across construction, food, health care, hospitality, real estate, technology and transportation."
canonical: "https://spot.insure/compare/heffernan-vs-travelers/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-travelers"
provider-a: "heffernan"
provider-b: "travelers"
coverage-line: "business-owners-policy"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-travelers/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Travelers for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Heffernan Insurance Brokers versus Travelers. 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 Travelers for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Heffernan Insurance Brokers or Travelers?
- What does Heffernan Insurance Brokers or Travelers publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Heffernan Insurance Brokers and Travelers.
- 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 Travelers](https://spot.insure/compare/heffernan-vs-travelers) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

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

Heffernan Insurance Brokers arranges BOPs for small companies in many industries, with custom packages; Travelers' BOP is for small technology-services firms and directs buyers to an independent agent.

Travelers' BOP builds in cyber and E&O but only for listed tech-services firms, while Heffernan places BOPs for SBA-size companies in construction, food, health care, hospitality and other industries.

## Heffernan Insurance Brokers vs Travelers Business Owner’s Policy Summary

Travelers' Technology Services BOP includes cyber and errors and omissions, but only listed tech occupations qualify and you buy through an independent agent. Heffernan places BOPs for SBA-size firms across construction, food, health care, hospitality, real estate, technology and transportation. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

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

### Your Industry Decides This One

Travelers' list is narrow: computer repair, data processing, internet service, IT consulting and training, software, web design and web hosting. A restaurant, contractor or clinic doesn't fit it. Heffernan's small-business division covers far more ground and says it will research a custom package if your niche isn't listed. Choose Travelers if you're a small tech-services firm that wants cyber and E&O inside one policy; choose Heffernan if you're outside tech, or you're a tech company that wants a broker comparing options. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### What's Inside the Policy

Travelers' package adds business income and extra expense to property and liability, and it offers the Xtend Endorsement, Employment Practices Liability+ and World Business Essentials as options. Heffernan describes a property-and-liability package and doesn't list cyber or E&O as part of it. For a tech firm, Travelers is the stronger bundle. With Heffernan, expect to buy cyber and E&O separately. Travelers has no self-service online quote on this page, so you'll wait on an agent either way. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

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

- Ask both which insurer issues the policy; neither page names it. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Ask your agent whether Travelers classes your work as one of its listed tech occupations. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Ask Heffernan whether cyber and E&O would be separate policies, and what they add to the premium. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Check which Travelers add-ons actually appear on your quote. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## Heffernan Insurance Brokers vs Travelers Business Owner’s Policy Compared

| Criteria | Heffernan Business Owner's Policy (BOP) | Technology Services Business Owner's Policy |
| --- | --- | --- |
| 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. [1](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. [2](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. [1](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. [2](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. [2](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..) |
| 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. [1](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. [2](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..) |

## About Heffernan Insurance Brokers and Travelers

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews)
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy)

## Related Pages for Heffernan Insurance Brokers vs Travelers

- [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 owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/insurance-providers/heffernan/business-owners-policy)
- [Travelers Business Owner’s Policy](https://spot.insure/insurance-providers/travelers/business-owners-policy)

## Sources for Heffernan Insurance Brokers vs Travelers

### Sources About Heffernan Insurance Brokers

1. [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.

### Sources About Travelers

2. [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.

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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/heffernan-vs-travelers/business-owners-policy.md)
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- [Public MCP server](https://spot.insure/mcp)
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- [Public page index](https://spot.insure/llms.txt)