Heffernan Insurance Brokers vs WithCoverage Builders Risk Insurance

Heffernan's construction insurance brokers arrange builders risk insurance for contractors, developers and other construction-industry clients. As a broker, Heffernan places the coverage with insurance carriers rather than underwriting it itself. ⁴Company-reported. Construction page description of the builders risk offering. Does not establish a specific carrier relationship.

WithCoverage is a broker; it does not underwrite builders risk policies. It reviews builders risk exposure as part of a broader construction insurance-program audit and can place or transition the coverage on a client's behalf. ^8,10Company-reported. Construction industry page hero and FAQ; company describes itself as reviewing and placing coverage, not bearing the risk.

The construction page does not name the insurer that would issue a builders risk policy arranged through Heffernan; the FAQ refers only to gathering quotes from 'various carriers.' ⁴Not publicly disclosed. Checked the construction page on 2026-09-23. The issuing insurer would appear on the quote and declarations.

The reviewed pages do not name which insurer or insurers WithCoverage places builders risk coverage with; the terms say policy obligations are the responsibility of the issuing insurance company, whoever that is for a given account. ^8,10Not found in reviewed sources. Construction page and terms as read on 2026-09-23.

Heffernan says its construction insurance brokers serve general contractors, subcontractors, specialty and trade contractors, developers and design/build firms across sectors including alternative energy, concrete construction management and engineering, and lists a network of more than 1,000 contractor and developer clients nationwide. ⁴Company-reported. Construction page sector list and client-count claim; client count is company-reported and not independently verified.

WithCoverage's construction practice serves contractors and developers with active construction programs, including general contractors, trade contractors and developers. ^8,9Company-reported. Construction industry page and risk-advisors Vin spotlight.

Heffernan describes builders risk insurance as coverage that protects a construction project against physical damage during the build, such as fire, theft and weather-related events, and says it customizes the coverage to the specific project. ⁴Company-reported. Construction page product description; specific insuring agreements, exclusions and endorsements are not detailed on the page.

Not described in the reviewed sources.

The construction page's builders risk FAQ gives only a generic industry cost range, roughly 1% to 4% of the construction budget, as educational content. It does not publish a Heffernan-specific limit, retention or premium for a builders risk policy. ⁴Not publicly disclosed. Checked the construction page's Builders Risk FAQ section on 2026-09-23. This is general market information, not a Heffernan-issued quote.

Not described in the reviewed sources.

Heffernan lists a dedicated Wrap Up Solutions team alongside its construction practice leader as contacts for builders risk and related project-specific insurance programs. ⁴Company-reported. Construction page practice-leader contact block.

WithCoverage says it builds coverage for project risks that it says off-the-shelf builders risk forms miss, working directly with construction clients rather than offering a standard packaged form. ⁹Company-reported. Risk-advisors Vin spotlight; company description of its practice approach, not a specific completed engagement.

Heffernan's construction page directs buyers to contact its construction insurance specialists directly, and its builders risk FAQ describes providing project details such as budget, timeline and construction type so Heffernan can gather quotes from multiple carriers. ⁴Company-reported. Construction page contact route and FAQ process description.

WithCoverage says a construction program audit, which it lists as covering General Liability, Product Liability, Workers' Comp, Property and umbrella alongside Builder's Risk in the page hero, is offered at no cost and without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. ⁸Company-reported. Construction page FAQ; the itemized audit-scope answer does not repeat "Builder's Risk" by name even though the page hero does.