Heffernan Insurance Brokers vs 
Travelers: How Do They Compare for Commercial Property Insurance?
Heffernan Insurance Brokers arranges property with carriers and offers claims, loss-control and risk services; Travelers underwrites standalone or packaged coverage across business-size tiers through agents.
Heffernan places commercial property as a broker among its basic coverages without describing tiers. Travelers underwrites the coverage directly across three named tiers and names specific property services, including Risk Control specialists. 1,2
What Are the Key Differences Between Heffernan Insurance Brokers and Travelers Commercial Property Insurance?
Underwriting and Tiering
A Heffernan buyer must ask which account tier and property services apply to the submission. 1 Travelers underwrites the coverage directly across three named tiers, a BOP-bundled option for small businesses, Deluxe/OMNI for midsized businesses, and Customized Property Coverage for large or specialty accounts. 2
Services
Heffernan ties property coverage to whole-program services such as claims services, loss control and HR consulting. 1 Travelers names its own property-specific services:
Travelers says property customers get access to Risk Control property specialists, an Under Deductible Subrogation service to pursue reimbursement for losses below the deductible, and wildfire mitigation discounts for qualifying properties. 2Company-reported. Product page Risk Control, Under Deductible Subrogation and wildfire mitigation sections.
Limits
Heffernan publishes none. 1 Travelers discloses that its excess property market typically attaches at $1,000,000 or greater, while standard-tier limits remain quote-specific. 2
What Should You Confirm in Heffernan Insurance Brokers and Travelers Commercial Property Insurance Quotes?
- Ask Travelers which of its three tiers applies to your business and what changes between them. 2
- Confirm whether Travelers' Risk Control or subrogation services are included automatically or require enrollment. 2
- Ask Heffernan which carrier it would place your policy with and whether similar services are available. 1
- Get a standard-tier limit and deductible from both; neither publishes one outside Travelers' excess-market figure. 1 2
- Ask Heffernan for the specific insuring agreements behind its single-line property mention. 1
Heffernan Insurance Brokers vs Travelers Commercial Property Compared
Heffernan Insurance Brokers vs Travelers: Commercial Property Insurance: documented features by provider
| Criteria | Heffernan Commercial Property Insurance Brokerage | Travelers Commercial Property Insurance |
|---|---|---|
| How to Apply | The page's call to action directs buyers to contact Heffernan Insurance Brokers directly to find out what it can do for their business, including commercial property. No separate online quoting flow specific to commercial property is described. 1Company-reported. Business Insurance page contact call to action. | Commercial property coverage is bought through a Travelers independent agent, who can help choose between replacement-cost and actual-cash-value coverage and confirm what a lease requires. 2Company-reported. Product page purchasing and lease-review FAQs. |
| Coverage Features | The business insurance page lists commercial property as one of the basic coverages Heffernan can provide, without describing specific insuring agreements, limits or exclusions for the line. 1Company-reported. Business Insurance page's basic-coverages list, a single-line mention. | Travelers says the policy covers a company's buildings, office equipment, furniture, fixtures, inventory and lost business income from events such as fire, explosion, storms, theft and vandalism, with additional coverage often available for floods, earthquakes and equipment breakdown. 2Company-reported. Product page "What does commercial property insurance cover?" FAQ; actual inclusions and exclusions are set by the issued policy. |
| Role in This Line | Heffernan lists commercial property insurance among the basic business-insurance coverages it arranges, alongside general liability, commercial auto and workers' compensation. As a broker, it places this coverage with insurance carriers rather than underwriting it itself. 1Company-reported. Business Insurance page's basic-coverages list. | Travelers underwrites commercial property insurance as a standalone policy or packaged with other coverage, with separate product tiers for small, midsized, and large or specialty businesses. 2Company-reported. Product page tier descriptions. |
| Risk Services | Heffernan says clients arranging its business insurance coverages, including commercial property, get access to its claims services, loss control, HR consulting, and risk management and assessment services. For buyers focused on total cost of risk, it also describes loss-sensitive and alternative risk arrangements such as self-insurance, large deductibles and captive insurance. 1Company-reported. Business Insurance page's services and alternative-risk paragraphs, described at the whole business-insurance-program level rather than specific to commercial property. | Travelers says property customers get access to Risk Control property specialists, an Under Deductible Subrogation service to pursue reimbursement for losses below the deductible, and wildfire mitigation discounts for qualifying properties. 2Company-reported. Product page Risk Control, Under Deductible Subrogation and wildfire mitigation sections. |
