Heffernan Insurance Brokers vs 
Travelers: How Do They Compare for Professional Liability (E&O) Insurance?
Travelers underwrites E&O in separate products by profession, placed through an independent agent. Heffernan Insurance Brokers is the broker route, shopping the line with insurers for sole proprietors through growing companies.
Travelers underwrites seven separately named professional-liability products by profession, while Heffernan's small-business division places one undifferentiated E&O line. 2,1
What Are the Key Differences Between Heffernan Insurance Brokers and Travelers Professional Liability (E&O) Insurance?
One Line Versus Seven Named Products
Travelers splits professional liability into seven separately named products for accountants, design professionals, lawyers, real estate professionals, insurance professionals, financial institutions, and a miscellaneous category for other client-facing professionals. 2 Heffernan's small-business page places errors and omissions as a single, undifferentiated coverage line rather than as separate profession-specific products. 1
When comparing Heffernan Insurance Brokers and Travelers, the more specific product menu can make fit easier to judge before you request a quote.
Who Is Named as the Insurer
The E&O page's footer names Travelers Casualty and Surety Company of America and its property-casualty affiliates, while also cautioning the material does not amend any issued policy, so the contracting entity still depends on which product is placed. 2 Heffernan's page does not name any insurer for the coverage it places. 1
Getting a Quote
Travelers tells buyers to talk to an independent agent, and provides agents with dedicated management-and-professional-liability application forms to place one of its named products:
Travelers directs buyers to talk to an independent agent to place E&O coverage, and tells agents to use its management-and-professional-liability applications and forms library. 2,3Company-reported. E&O page CTA and video transcript.
Heffernan instead has buyers contact its small-business division directly, and will custom-design a package when a client's industry isn't already on its list. 1
What Should You Confirm in Heffernan Insurance Brokers and Travelers Professional Liability (E&O) Insurance Quotes?
- Ask Travelers which of its seven named products fits your profession, since eligibility differs by form. 2
- Ask Heffernan which carriers it places E&O with, since its page names none. 1
- Confirm which Travelers property-casualty entity would actually issue your policy. 2
- Ask Heffernan for a premium range and limit, since its page publishes neither. 1
Heffernan Insurance Brokers vs Travelers Professional Liability (E&O) Compared
Heffernan Insurance Brokers vs Travelers: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Heffernan Professional Errors and Omissions Brokerage | Travelers Errors and Omissions Insurance |
|---|---|---|
| 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. 1Company-reported. 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. | Travelers offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals, life/accident/health insurance agents, managed care organizations, financial institutions and a miscellaneous professional liability option for other client-facing professionals. 2Company-reported. Product-selection list on the E&O page. |
| How to Apply | Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. 1Company-reported. Small Business Insurance page as read on 2026-09-23. | Travelers directs buyers to talk to an independent agent to place E&O coverage, and tells agents to use its management-and-professional-liability applications and forms library. 2,3Company-reported. E&O page CTA and video transcript. |
| 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. 1Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements. | Travelers describes E&O as covering the costs of client allegations of inadequate work, negligent actions or failure to meet the expected level of service, including legal defense and settlement costs, and says coverage can be customized to the risks of a specific profession. 2Company-reported. E&O overview and video transcript; exclusions and limits are not detailed on this page and depend on the policy as issued. |
| 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. 1Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found. | Travelers underwrites errors and omissions insurance as one of several management and professional liability products, sold as a standalone policy written for the buyer's profession rather than bundled with other lines by default. 2,3Company-reported. E&O and management-liability product pages, as read on 2026-09-23. |
