---
title: "Heffernan Insurance Brokers vs Zurich U.S.: Builders Risk Insurance"
description: "Heffernan gathers builders risk quotes from multiple carriers using project details; Zurich describes an agent program with defined project appetite and options."
canonical: "https://spot.insure/compare/heffernan-vs-zurich/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "heffernan-vs-zurich"
provider-a: "heffernan"
provider-b: "zurich"
coverage-line: "builders-risk"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/heffernan-vs-zurich/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Zurich U.S. for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Builders Risk Insurance questions about Heffernan Insurance Brokers versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Heffernan Insurance Brokers vs Zurich U.S. for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, Heffernan Insurance Brokers or Zurich U.S.?
- What does Heffernan Insurance Brokers or Zurich U.S. publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from Heffernan Insurance Brokers or Zurich U.S.?

**Key facts:**
- Line: Builders Risk Insurance. Providers: Heffernan Insurance Brokers and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Heffernan Insurance Brokers vs Zurich U.S.](https://spot.insure/compare/heffernan-vs-zurich) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Crime Insurance](https://spot.insure/compare/heffernan-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/heffernan-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/heffernan-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Surety Bonds](https://spot.insure/compare/heffernan-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aig-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/aig-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)

# Heffernan Insurance Brokers vs Zurich U.S.: How Do They Compare for Builders Risk Insurance?

Heffernan gathers builders risk quotes from multiple carriers using project details; Zurich describes an agent program with defined project appetite and options.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and Zurich U.S. for Builders Risk Insurance 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

Heffernan’s construction brokers request budget, timeline and construction type to gather carrier quotes. Zurich offers a commercial builders risk program with named eligible project classes and a dedicated specialist team. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")

## What Is Heffernan Insurance Brokers?

Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [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)

## Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [5](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [11](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

## Key Differences in Builders Risk Insurance

### Carrier comparison and application

Heffernan describes a broker-led process: buyers share project budget, timeline and construction type so its specialists can gather quotes from multiple carriers. Zurich describes an agent-access program where applications go to Zurich underwriting online or on paper. That distinction affects who assembles the alternatives: ask Heffernan to identify each proposed carrier, while Zurich applicants should confirm the submission is being evaluated for the Zurich program. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")

### Project scope and support

Heffernan says it customizes physical-damage coverage for a project and serves contractors, developers and design/build firms across construction sectors. Zurich specifically lists water and sewer pipelines within appetite and oil and gas pipelines outside it, and says its program has more than 50 specialists. A specialized pipeline applicant can use Zurich’s stated boundary to screen eligibility, while Heffernan’s description points to a multi-carrier conversation for varied project types. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")

## What to Confirm in Builders Risk Insurance Quotes

- Ask Heffernan which carrier, covered property and project-specific perils appear in each option. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance")
- Ask Zurich to reconcile its project-value descriptions and confirm whether the proposed project class is eligible. [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")

## Offering Details

| Criteria | Heffernan Builders Risk Insurance | Zurich Commercial Builders Risk |
| --- | --- | --- |
| Role in This Line | 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page description of the builders risk offering. Does not establish a specific carrier relationship..) | Confirm in your quote. |
| Issuing Insurer | 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.' [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the construction page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) | Confirm in your quote. |
| Who It’s For | 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page sector list and client-count claim; client count is company-reported and not independently verified..) | Zurich lists water and sewer pipeline projects within Commercial Builders Risk appetite and explicitly excludes oil and gas pipelines. [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk for commercial construction projects; United States. Company-reported target appetite; each application remains subject to underwriting. Do not imply every risk or class is accepted..)<br><br>Zurich’s live Commercial Builders Risk page gives conflicting project-value descriptions: the overview and FAQ describe projects up to $75 million, while the Appetite section says commercial projects of any size and value. The page does not resolve the scope conflict; confirm eligibility with Zurich. These statements describe project values, not policy limits. [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. The official page contains an unresolved conflict about project-value eligibility. Obtain current Zurich clarification before relying on a boundary. The statements concern project values and do not establish a policy limit; issued terms and underwriting govern..)<br><br>Zurich lists the Commercial Builders Risk program as nationwide. [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; underlying issuing legal entity is not identified on this page; Zurich Commercial Builders Risk program; United States, company-reported nationwide program availability. Company-reported program geography does not establish issuer authority or coverage for a specific risk; confirm jurisdiction and policy with the quote..)<br><br>Zurich lists registered historic structures, tunnels, dams, structures built over water, and manufacturing including testing/equipment among ineligible Commercial Builders Risk projects. [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company-reported appetite; not a full policy exclusion list. Actual terms govern..) |
| Coverage Features | 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page product description; specific insuring agreements, exclusions and endorsements are not detailed on the page..) | Zurich says its Commercial Builders Risk program protects commercial projects against physical loss or damage during construction, renovation or installation. [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company product summary, not a policy form; actual covered property, causes, exclusions, limits and conditions depend on issued terms and underwriting..)<br><br>Zurich lists potential Commercial Builders Risk options including earth movement, flood, Ordinance or Law, soft costs, business income/extra expense, waiver of coinsurance and building-systems testing. [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Options may depend on project/underwriting and issued policy terms; page is not the policy form..) |
| Limits and Retentions | 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the construction page's Builders Risk FAQ section on 2026-09-23. This is general market information, not a Heffernan-issued quote..) | Confirm in your quote. |
| Risk Services | Heffernan lists a dedicated Wrap Up Solutions team alongside its construction practice leader as contacts for builders risk and related project-specific insurance programs. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page practice-leader contact block..) | Zurich states the commercial Builders Risk program offers direct access to a dedicated team of more than 50 specialists. [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company-reported program service statement; it does not promise response times or claims outcomes..) |
| How to Apply | 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. [4](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page contact route and FAQ process description..) | Zurich says agents can register online for program access and submit an online or paper application to underwriting; no premium commitment is required to register. [7](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; distribution through agents/brokers; Zurich Commercial Builders Risk; United States. Application process description; submission is not binding coverage or evidence of acceptance..) |

## Full Comparison

- [Heffernan Insurance Brokers vs Zurich U.S.](https://spot.insure/compare/heffernan-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-auto)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-property)
- [Heffernan Insurance Brokers vs Zurich U.S. Crime Insurance](https://spot.insure/compare/heffernan-vs-zurich/crime)
- [Heffernan Insurance Brokers vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/heffernan-vs-zurich/cyber)
- [Heffernan Insurance Brokers vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-zurich/employment-practices)
- [Heffernan Insurance Brokers vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/heffernan-vs-zurich/fidelity-bonds)
- [Heffernan Insurance Brokers vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-zurich/fiduciary)
- [Heffernan Insurance Brokers vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-zurich/professional-errors-omissions)
- [Heffernan Insurance Brokers vs Zurich U.S. Surety Bonds](https://spot.insure/compare/heffernan-vs-zurich/surety-bonds)
- [AIG vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aig-vs-heffernan/builders-risk)
- [AIG vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/aig-vs-zurich/builders-risk)
- [Alliance Risk vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/builders-risk)
- [Alliance Risk vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/builders-risk)
- [The Baldwin Group vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-heffernan/builders-risk)
- [The Baldwin Group vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-zurich/builders-risk)

## 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. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). Heffernan Insurance Brokers; Protect Your Construction Projects with Builders Risk Insurance; contractor sectors served; Builders Risk FAQ; network of over 1,000 contractor and developer clients nationwide; Construction Practice Leader and Wrap Up Solutions contacts. Accessed 2026-09-23.

### Zurich U.S.

5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
7. [Commercial Builders Risk Program | Zurich Insurance](https://www.zurichna.com/insurance/zpm/construction/commercial). Zurich U.S.; Builders Risk - Commercial; direct product overview and FAQ: coverage, appetite, ineligible projects, options, limits, application, geography, admission and program highlights (HTML lines 270–411).. Accessed 2026-09-28.

### Builders Risk Insurance Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
10. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
11. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Heffernan Insurance Brokers Reviews

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews).

## Zurich U.S. Reviews

Review Score: not enough ratings.

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/heffernan-vs-zurich/builders-risk.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)