What Are the Alternatives to Heffernan Insurance Brokers?
Heffernan suits mid- to late-stage technology companies seeking broker support, as well as small businesses using its separate small-business division; buyers wanting direct online purchase should compare carriers.
What Should You Weigh When Choosing an Alternative to Heffernan Insurance Brokers?
Heffernan describes itself as a broker and risk manager that shops markets and places coverage with carriers, not the insurer that issues or pays claims; its privacy statement says it may share underwriting information with non-affiliated parties to solicit quotations from insurance carriers. The same distinction is worth confirming with any alternative broker. 1,4
Heffernan operates alongside related but distinct entities: Heffernan Network Insurance Brokers is described as a wholly owned subsidiary that partners with independent agencies, Heffernan Benefit Advisors is the name used for its employee-benefits offering, and Costero Brokers Ltd. is a separately listed London brokerage. Confirming which entity is the actual contracting producer on an engagement is worth doing with Heffernan or any alternative operating under a multi-brand structure. 5,6,7
Heffernan’s technology practice targets mid- to late-stage venture-funded and pre-IPO companies, including firms using enterprise risk or self-insurance strategies, while its separate small-business division serves sole proprietors through fast-growing companies. A business outside either described focus may find an alternative with a different size or stage focus fits better. 2,3
Heffernan names some specific partners, such as Thimble Insurance Services for short-term general liability and a third-party Propeller portal for certain surety bonds, but its transportation, healthcare and marine-cargo pages refer only to top, major or exclusive carriers without naming them. Its public pages also don’t publish a fee schedule or commission structure, so an itemized quote and account-specific compensation disclosure are worth requesting from Heffernan or any alternative. 8,9,10
Heffernan Insurance Brokers Alternatives for Builders Risk Insurance
AIG Builders Risk
Alliance Risk arranges builders risk insurance.
Aon names Construction Property/Builders Risk on its global construction page; confirm whether this line is offered for the buyer, state, and placement.
6.7/ 10BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific.
7.0/ 10Chubb offers builders risk insurance.
Inland Marine appetite category; separately, Ocean Marine lists Hull Builders Risk
Coverdash lists builders risk among its property coverage options.
Builder’s risk product page; policy-specific construction terms not established.
Gallagher arranges builders risk.
Harper includes builders risk in its construction and contractor insurance offering.
5.9/ 10HUB International arranges builders risk insurance.
5.5/ 10Markel builders risk
7.1/ 10Marsh McLennan Agency (MMA), a Marsh business, arranges builders risk insurance.
Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions.
StartupInsurance.ai arranges builders risk insurance for startups.
4.9/ 10Listed for digital-infrastructure projects and in commercial real-estate construction risk.
WithCoverage reviews builders risk exposures in construction insurance programs and offers broker-transition support.
Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation.
Heffernan Insurance Brokers Alternatives for Business Owner’s Policy
Alliance Risk arranges business owner’s policies.
Amelia Risk arranges business owner’s policies for startups.
Chubb offers business owner’s policies for eligible small businesses with up to $30 million in revenue.
Corgi lists a business owner’s policy in its coverage catalog.
Coterie offers a business owner’s policy through its agent channel.
Coverdash lists a business owner’s policy in its coverage hub.
Embroker lists a business owner’s policy with a quote route.
ERGO NEXT markets a business owner’s policy.
5.8/ 10Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here.
Gallagher arranges business owner’s policies for small businesses.
Harper accepts business owner’s policy inquiries through its coverage intake.
5.9/ 10Hiscox offers business owner’s policies for small businesses.
6.1/ 10HUB International arranges business owner’s policies for small and midsized businesses.
5.5/ 10Insureon markets Business Owner’s Policy (BOP); description does not establish insurer, policy terms, or individual availability.
Kinro lists a business owner’s policy in its product catalog.
Mylo lists a business owner’s policy among its business insurance products.
Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms.
Pie accepts business owner’s policy quote requests.
TechInsurance arranges business owner’s policies for small businesses.
The Hartford offers business owner’s policies combining property and liability coverage.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers business owner’s policies for small technology-services businesses.
6.1/ 10
Heffernan Insurance Brokers Alternatives for Cargo and Transit
AIG Ocean Cargo
Alliance Risk arranges inland and ocean marine coverage for goods in transit.
Amelia Risk arranges stock-throughput (cargo) insurance for consumer-product businesses, which can address inventory in transit and at other locations.
Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page.
6.7/ 10BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately.
7.0/ 10Chubb offers cargo insurance.
Corgi lists a cargo contractual liability product in its transportation offering.
Coverdash lists motor truck cargo and ocean marine coverage options.
Founder Shield lists transit and transportation coverage for goods in transit or stored offsite.
HUB International arranges cargo insurance.
5.5/ 10Lockton arranges cargo insurance.
5.6/ 10Markel cargo and transit coverage
7.1/ 10Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance.
Newfront lists cargo stock throughput among the coverages its property team handles.
Transportation page lists cargo insurance; it does not state a particular transit form or coverage terms.
Travelers offers cargo insurance through its transportation, cargo and logistics offering.
6.1/ 10USI arranges cargo and transit insurance.
WithCoverage reviews cargo exposures in consumer-business insurance programs and offers broker-transition support.
WTW identifies Global Cargo within its global marine practice and includes cargo risk in its named data-center policy. These descriptions do not establish a particular US placement, insurer, policy wording, or availability.
7.0/ 10
Heffernan Insurance Brokers Alternatives for Commercial Auto Insurance
AIG Truck Insurance Group commercial auto (scoped to for-hire trucking)
Alliance Risk arranges commercial auto insurance.
Amelia Risk arranges commercial auto insurance for consumer-product businesses.
Aon lists automobile liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
6.7/ 10Chubb offers commercial auto insurance.
Corgi links to trucking auto-liability coverage from its transportation menu.
Coverdash lists commercial auto in its coverage catalog and invites quote requests.
Embroker offers help obtaining commercial auto insurance and invites quote requests.
Commercial auto product page; HNOA is not split out.
Gallagher arranges commercial auto insurance for small businesses.
Harper lists commercial auto insurance and describes approaching insurers for customers.
5.9/ 10HUB International arranges commercial auto insurance.
5.5/ 10Insureon markets Commercial Auto; description does not establish insurer, policy terms, or individual availability.
As of September 16, 2026, Kinro lists commercial auto and describes matching business details to carrier appetite.
Lockton arranges commercial auto insurance.
5.6/ 10As of September 16, 2026, Mylo invites commercial-auto quote requests and describes comparing policies from multiple insurers.
Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred.
As of September 16, 2026, Newfront lists auto liability within its casualty placement services.
StartupInsurance.ai arranges commercial auto insurance for startups.
4.9/ 10TechInsurance arranges commercial auto insurance for small businesses.
Listed for government-contracting, transportation and digital-infrastructure exposures.
The Hartford offers commercial auto insurance as a business coverage; small businesses cannot currently buy it online and may be quoted through a local agency.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers commercial auto insurance.
6.1/ 10USI arranges commercial auto insurance.
Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes.
Heffernan Insurance Brokers Alternatives for Commercial Property
AIG Commercial Property / Retail Property
Alliance Risk arranges property insurance.
Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability.
6.7/ 10Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis.
BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm.
7.0/ 10CFC offers property coverage within its property and casualty product.
Chubb offers commercial property insurance.
Coverdash lists commercial property in its coverage catalog.
Embroker offers help obtaining commercial property insurance and invites property quote requests.
ERGO NEXT sells commercial property insurance as an agency; the issuing insurer is responsible for policy obligations.
5.8/ 10Founder Shield lists property insurance among its core offerings.
Commercial property product page.
Gallagher arranges commercial property insurance for small businesses.
Harper lists commercial property insurance and describes approaching insurance companies for customers.
5.9/ 10HUB International arranges commercial property insurance.
5.5/ 10Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability.
As of September 16, 2026, Kinro lists commercial property and describes matching business details to carrier appetite.
Lockton arranges commercial property insurance.
5.6/ 10Markel commercial property
7.1/ 10Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance.
Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy.
As of September 16, 2026, Newfront markets property placement services and review of property and business-interruption values.
Relm lists commercial property insurance for placement through brokers.
Risklytics arranges commercial property insurance for robotics, hardware and AI businesses.
5.4/ 10Offered as part of a BOP, rather than as a standalone policy.
StartupInsurance.ai arranges commercial property insurance for startups.
4.9/ 10TechInsurance arranges commercial property insurance for small businesses.
Listed for real-estate, professional-services and other named commercial sectors.
The Hartford offers commercial property insurance.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers commercial property insurance.
6.1/ 10USI arranges commercial property insurance.
As of September 16, 2026, Vouch lists business property for health care and life sciences programs.
As of September 16, 2026, WithCoverage describes auditing property programs and handling carrier transitions, for example for construction businesses.
WTW markets property insurance for residential real-estate stakeholders and a separate integrated data-center construction and operations program. Program terms and eligible risks require placement-specific confirmation.
7.0/ 10Zurich markets commercial property insurance.
Heffernan Insurance Brokers Alternatives for Crime Insurance
AIG Crime Insurance / CrimeGuard Choice
Alliance Risk arranges crime insurance.
Amelia Risk arranges employee crime (fidelity) insurance.
Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
6.7/ 10Beazley offers commercial crime insurance.
BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds.
7.0/ 10CFC offers crime in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
Chubb offers crime coverage within its ForeFront portfolio for private, nonprofit and health care organizations.
named Management Liability coverage and configurable Epack 3 component
Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations.
6.2/ 10Corgi lists crime insurance among its main policies.
Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy.
Coverdash lists crime coverage in its catalog and invites quote requests.
Cowbell offers a crime module in Zurich Select Plus for small and medium private companies, available through appointed Zurich E&S wholesalers.
Embroker lists commercial crime and offers a corresponding quote path.
Founder Shield lists crime insurance among its core offerings.
Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred.
Gallagher arranges crime insurance.
HUB International arranges commercial crime insurance.
5.5/ 10Lockton arranges commercial crime insurance.
5.6/ 10Markel Cyber 360 eCrime component (standalone product not established)
7.1/ 10Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime insurance.
Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here.
As of September 16, 2026, Newfront lists fidelity and crime within its executive-risk services.
Relm lists crime insurance for placement through brokers.
RiskCube arranges commercial crime insurance for startups.
StartupInsurance.ai arranges commercial crime insurance for startups.
4.9/ 10Listed as commercial crime or crime/fidelity within specified sectors.
The Hartford offers crime insurance as a management-liability coverage option.
Travelers offers commercial crime insurance.
6.1/ 10USI arranges crime insurance.
As of September 16, 2026, Vouch lists crime among the coverages in its technology-company programs.
WTW’s 2024 annual report describes crime insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.
7.0/ 10Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms.
Heffernan Insurance Brokers Alternatives for Cyber Insurance
AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)
Alliance Risk arranges cyber liability insurance.
Amelia Risk arranges cyber insurance.
Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement.
6.7/ 10At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.
6.2/ 10Beazley offers cyber insurance for small and midsized businesses.
BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.
7.0/ 10CFC offers cyber insurance, including primary and excess products.
Chubb offers cyber insurance.
Coalition offers cyber insurance.
6.2/ 10Corgi lists cyber insurance among its business insurance offerings.
Coverdash lists cyber insurance in its coverage catalog.
Cowbell offers standalone and excess cyber products through its insurance-agency business.
Embroker lists cyber insurance with a quote route.
Founder Shield lists cyber liability among its core offerings.
Cyber product page; policy terms and limits not established.
Gallagher arranges cyber insurance.
Harper lists cyber insurance and describes approaching insurers for customers.
5.9/ 10Hiscox offers cyber insurance for small businesses.
6.1/ 10HUB International arranges cyber insurance.
5.5/ 10Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability.
Kinro lists cyber liability and compares business details with carrier appetite.
Lockton arranges cyber insurance.
5.6/ 10Markel Cyber 360
7.1/ 10Marsh arranges cyber insurance.
Mylo invites cyber insurance quote requests and compares policies from multiple insurers.
Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage.
Newfront places cyber insurance, negotiates policy wording and provides claims consultation.
Pie provides access to cyber insurance quotes from carrier partners.
Relm lists cyber insurance for placement through brokers.
Resilience markets cyber insurance on a primary or excess basis.
5.0/ 10RiskCube arranges cyber insurance for startups.
Risklytics arranges cyber insurance for robotics, hardware and AI businesses.
5.4/ 10Add-on for select buyers purchasing another business policy; phone quote route.
StartupInsurance.ai arranges cyber insurance for startups.
4.9/ 10TechInsurance arranges cyber insurance for small businesses.
Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access.
The Hartford offers cyber insurance and data-breach coverage.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies.
6.1/ 10USI arranges cyber insurance.
Vouch lists cyber liability in its technology-company programs.
WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support.
WTW describes cyber protection within its Digital Infrastructure Protector data-center solution, and its 2024 annual report describes cyber insurance solutions as a global group capability. Neither source establishes current standalone U.S. terms or eligibility.
7.0/ 10Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
Heffernan Insurance Brokers Alternatives for D&O Insurance
AIG Directors & Officers Liability
Alliance Risk arranges directors and officers liability insurance.
Amelia Risk arranges directors and officers liability.
Aon describes D&O brokerage and program services in a global practice; this does not identify the producer, insurer or state availability for a particular U.S. placement.
6.7/ 10Beazley offers directors and officers liability insurance for private organizations through ExecuGuard.
Executive First D&O liability materials describe separate public-company and private-company products.
7.0/ 10CFC offers directors and officers liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
Chubb offers directors and officers liability insurance for smaller privately held companies through ForeFront.
Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations.
6.2/ 10Corgi lists directors and officers insurance among its business insurance offerings.
Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement.
Coverdash lists directors and officers insurance in its coverage catalog.
Cowbell offers Zurich Select Plus D&O for small and medium private companies, available through appointed Zurich E&S wholesalers.
Embroker lists directors and officers insurance with a quote route.
Founder Shield lists directors and officers insurance among its core offerings.
Gallagher arranges directors and officers liability.
HUB International arranges directors and officers liability insurance.
5.5/ 10Kinro lists directors and officers insurance and compares business details with carrier appetite.
Lockton arranges directors and officers liability insurance.
5.6/ 10Markel private and nonprofit D&O
7.1/ 10Marsh arranges directors and officers liability insurance.
Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk.
Newfront lists D&O for private and public companies within its executive-risk services.
Relm lists directors and officers liability for placement through brokers.
RiskCube arranges directors and officers liability insurance for startups.
Risklytics arranges directors and officers liability insurance for robotics, hardware and AI businesses.
5.4/ 10StartupInsurance.ai arranges directors and officers liability insurance for startups.
4.9/ 10TechInsurance arranges directors and officers liability insurance for small businesses.
Listed within management-liability coverage for named business sectors; the dedicated D&O page discusses advisory programs for public companies, IPOs and SPACs.
The Hartford offers directors and officers liability for private, public and nonprofit organizations.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers directors and officers liability insurance.
6.1/ 10USI arranges directors and officers liability insurance.
Vouch lists directors and officers insurance in its technology-company programs.
WithCoverage reviews D&O exposures in technology-company insurance programs and offers broker-transition support.
Zurich markets directors and officers liability insurance.
Heffernan Insurance Brokers Alternatives for Employee Health Benefits
AIG Medical Indemnity supplemental group health benefit
Founder Shield lists Employee Health & Benefits among its services.
Gallagher advises small businesses on individual coverage health reimbursement arrangements (ICHRA).
HUB International arranges employee health and benefits programs.
5.5/ 10Lockton arranges employee health and benefits programs.
5.6/ 10Marsh McLennan Agency (MMA), a Marsh business, arranges employee health and benefits programs.
Mylo helps employers with 2–99 employees compare and enroll in small-group health, dental and vision plans.
Newfront offers employee-benefits advice and program design, including funding and pharmacy strategies.
Baldwin’s filing attributes employee-benefit services to Insurance Advisory Solutions; commercial-sector pages describe employee-benefit solutions. This is advisory/benefits scope, not a medical plan catalogue.
USI advises employers on health-plan design, medical costs, pharmacy and benefits administration.
Heffernan Insurance Brokers Alternatives for Employment Practices Liability
AIG Employment Practices Liability Insurance
Alliance Risk arranges employment practices liability insurance.
Amelia Risk arranges employment practices liability.
Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state.
6.7/ 10Beazley offers employment practices liability insurance for private organizations through ExecuGuard.
BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit.
7.0/ 10CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability.
Chubb offers employment practices liability insurance.
Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.
6.2/ 10Corgi lists employment practices liability among its business-insurance offerings.
Named Employment Practices Liability product; examples and policy terms govern.
Coverdash lists employment practices coverage in its quote catalog.
Cowbell offers Zurich Select Plus employment practices coverage for small and medium private companies, available through appointed Zurich E&S wholesalers.
Embroker offers quotes for employment practices liability as an individual coverage.
Founder Shield lists employment practices liability among its core coverage services.
Gallagher arranges employment practices liability.
HUB International arranges employment practices liability insurance.
5.5/ 10Lockton arranges employment practices liability insurance.
5.6/ 10Markel employment practices liability
7.1/ 10Marsh arranges employment practices liability insurance.
Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility.
Newfront lists employment practices liability within its executive-risk placement and coverage-negotiation services.
Relm lists employment practices liability for placement through brokers.
RiskCube arranges employment practices liability insurance for startups.
StartupInsurance.ai arranges employment practices liability insurance for startups.
4.9/ 10TechInsurance arranges employment practices liability insurance for small businesses.
Listed as employment-practices liability for the named commercial sector examples.
The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers employment practices liability insurance.
6.1/ 10USI arranges employment practices liability insurance.
Vouch lists employment practices liability within its insurance programs for technology companies.
WTW’s 2024 annual report describes employment-practices insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.
7.0/ 10Zurich markets Employment Practices Liability Insurance (EPLI).
Heffernan Insurance Brokers Alternatives for Fidelity Bonds
AIG Crime and Fidelity product page; line membership is based on the named fidelity/bond product family, not a specific bond form.
Beazley offers fidelity bonds for financial institutions.
Coverdash lists fidelity bonds for client losses from employee dishonesty on its surety-bond page.
Founder Shield lists ERISA fidelity bonds among its specialized coverages.
Gallagher arranges fidelity bonds.
HUB International arranges crime and fidelity coverage through its professional and executive risk practice.
5.5/ 10Insureon markets Fidelity Bonds; description does not establish insurer, policy terms, or individual availability.
Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime and fidelity coverage.
Newfront lists fidelity and crime among its executive-risk brokerage coverages.
TechInsurance arranges fidelity bonds addressing employee theft from clients.
Baldwin’s professional-services coverage snapshot lists commercial crime/fidelity bond; it does not specify bond terms or eligibility.
Travelers offers ERISA fidelity bonds.
6.1/ 10Vouch lists fidelity bonds among its core protections for financial-services businesses.
Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability.
Heffernan Insurance Brokers Alternatives for Fiduciary Liability
AIG Fiduciary Liability Insurance / Fiduciary Edge
Alliance Risk arranges fiduciary liability insurance.
Amelia Risk arranges fiduciary liability.
Aon lists fiduciary liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
6.7/ 10Beazley offers fiduciary liability insurance for private organizations through ExecuGuard.
BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit.
7.0/ 10CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
Chubb offers fiduciary liability insurance.
Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations.
6.2/ 10Corgi lists fiduciary liability in its coverage catalog and package options.
Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern.
Coverdash lists fiduciary coverage in its coverage hub.
Cowbell offers Zurich Select Plus fiduciary liability for small and medium private companies, available through appointed Zurich E&S wholesalers.
Embroker lists fiduciary liability with a quote route.
Founder Shield lists fiduciary liability among its core coverages.
Gallagher arranges fiduciary liability.
HUB International arranges fiduciary liability insurance.
5.5/ 10Lockton arranges fiduciary liability insurance.
5.6/ 10Markel fiduciary liability
7.1/ 10Marsh McLennan Agency (MMA), a Marsh business, arranges fiduciary liability insurance.
Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific.
Newfront lists fiduciary coverage among its executive-risk brokerage services.
Relm lists fiduciary liability for placement through brokers.
RiskCube arranges fiduciary liability insurance for startups.
StartupInsurance.ai arranges fiduciary liability insurance for startups.
4.9/ 10Listed as fiduciary liability for named commercial-sector audiences.
The Hartford offers fiduciary liability as a management-liability coverage option.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers fiduciary liability insurance.
6.1/ 10USI arranges fiduciary liability insurance.
Zurich markets fiduciary liability insurance.
Heffernan Insurance Brokers Alternatives for General Liability
AIG Programs general liability (three separate program scopes)
Alliance Risk arranges general liability insurance.
Amelia Risk arranges general liability insurance.
Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line.
6.7/ 10Beazley offers general liability insurance in packages such as its environmental-services policy.
BHSI lists primary general liability, with contractor and pollution features described in its casualty materials.
7.0/ 10CFC offers general liability within its property and casualty product.
Chubb offers general liability insurance within its commercial package products.
Corgi lists commercial general liability among its business insurance offerings.
Coterie offers general liability policies for small businesses through its partner distribution.
GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL.
Coverdash lists general liability in its Core Business coverage catalog with a quote route.
Embroker offers a general liability quote route among its individual business coverages.
ERGO NEXT offers online general liability quotes and purchasing for eligible businesses.
5.8/ 10Founder Shield lists general liability among its core coverage offerings.
Company CGL product page; line-specific CGL membership only.
Gallagher arranges general liability insurance for small businesses.
Harper lists general liability in its business-insurance services and quote inquiry.
5.9/ 10Hiscox offers general liability insurance for small businesses.
6.1/ 10HUB International arranges general liability insurance.
5.5/ 10Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability.
Kinro lists general liability and compares available carrier options.
Lockton arranges general liability insurance.
5.6/ 10Markel small-business casualty and property
7.1/ 10Marsh arranges general liability insurance, including for data centers.
Mylo compares general liability quotes from insurance carriers and also offers package options.
Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope.
Newfront includes general liability in its casualty placement services.
Pie arranges general liability insurance through unaffiliated third-party insurers.
Relm lists general liability insurance for placement through brokers.
RiskCube arranges general liability insurance for startups.
Risklytics arranges general liability insurance for robotics, hardware and AI businesses.
5.4/ 10StartupInsurance.ai arranges general liability insurance for startups.
4.9/ 10TechInsurance arranges general liability insurance for small businesses.
Listed as general liability for professional-services clients and as a consideration for other named business sectors.
The Hartford offers general liability insurance.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers general liability insurance.
6.1/ 10USI arranges general liability insurance.
Vouch lists general liability among the core coverages in its technology-company programs.
WithCoverage includes general liability in its insurance-program reviews, for example for construction and restaurant businesses.
Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims.
Heffernan Insurance Brokers Alternatives for Hired and Non-Owned Auto
AIG Manufactured Housing Program lists hired and non-owned auto for that program; this does not establish a standalone broad HNOA product.
Amelia Risk arranges hired and non-owned auto liability for startups and consumer-product businesses.
Beazley offers hired and non-owned auto coverage within its environmental-services package.
coverage within Commercial Auto
Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.
Founder Shield lists hired and non-owned auto among its specialized coverage offerings.
Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established.
HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage.
5.5/ 10Kinro lists hired and non-owned auto for liability questions involving personal or rented vehicles used for business.
Hired/non-owned auto option in small-business casualty; not commercial auto
7.1/ 10The Hartford offers hired and non-owned auto coverage.
Heffernan Insurance Brokers Alternatives for Kidnap and Ransom
AIG CrisiSolution K&R and extortion
Aon lists kidnap and ransom within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
6.7/ 10CFC offers kidnap and ransom insurance, including a specialist marine product.
Chubb offers kidnap and ransom insurance.
named Management Liability coverage and configurable Epack 3 component
Corgi lists kidnap and ransom among its specialized business-insurance offerings.
Coverdash lists kidnap and ransom in its Cyber & Crime coverage catalog with a quote route.
Gallagher arranges kidnap and ransom insurance.
HUB International arranges kidnap and ransom insurance.
5.5/ 10Marsh McLennan Agency (MMA), a Marsh business, arranges kidnap and ransom insurance.
Newfront lists kidnap and ransom among its executive-risk coverage services.
Relm lists kidnap and ransom insurance for placement through brokers.
Listed under professional and specialty risk on the real-estate page; no terms or eligibility are specified.
The Hartford lists kidnap and ransom/extortion among its management-liability coverage options.
Travelers offers kidnap and ransom insurance.
6.1/ 10USI arranges kidnap and ransom insurance.
Heffernan Insurance Brokers Alternatives for Last-Mile Delivery
Founder Shield lists last-mile delivery among its specialized coverage offerings.
Heffernan Insurance Brokers Alternatives for Management Liability
AIG Programs Management Liability for private and non-profit companies with revenue up to $50 million; listed components are D&O, EPL and fiduciary liability.
Alliance Risk advises on management-liability packages and standalone options.
Aon describes management liability in its global Professional Services Practice as a partnership program for law, accounting and consulting firms, rather than a standalone line; U.S. availability and specific policy terms are not established.
6.7/ 10Beazley offers management liability insurance for private organizations through ExecuGuard.
CFC offers a US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
Chubb offers management liability insurance.
Coverdash arranges management liability insurance.
Cowbell provides access to Zurich management liability for private businesses with fewer than 250 employees and under $50 million in assets through Zurich-appointed wholesalers.
Embroker markets a management insurance suite for private companies.
Harper arranges management liability insurance through its partner brokerage service.
5.9/ 10HUB International arranges management liability insurance through its professional and executive risk practice.
5.5/ 10Markel management liability
7.1/ 10Marsh arranges management liability insurance.
Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred.
Newfront arranges management liability insurance for private and public companies.
Listed for named sectors; Baldwin’s dedicated page describes D&O and management-liability advisory programs.
The Hartford offers management-liability packages, including Private Choice Premier.
Travelers offers management liability insurance.
6.1/ 10USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance.
WTW’s 2024 annual report describes management-liability solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.
7.0/ 10Zurich markets a management liability portfolio with multiple distinct lines.
Heffernan Insurance Brokers Alternatives for Medical Malpractice
Beazley offers medical professional liability insurance for digital-health businesses and middle-to-large life-sciences organizations.
Corgi markets medical malpractice insurance for health care professionals and organizations.
Allied healthcare liability for named classes; not universal conventional malpractice.
Harper arranges medical malpractice insurance.
5.9/ 10HUB International arranges medical professional liability insurance for health care professionals.
5.5/ 10Mylo compares medical malpractice insurance options from insurers.
USI arranges medical malpractice insurance.
Vouch arranges medical malpractice insurance for health care and life sciences businesses.
Heffernan Insurance Brokers Alternatives for Professional Liability (E&O)
AIG entity-based Professional Liability / Specialty Professional E&O
Alliance Risk arranges professional liability insurance.
Amelia Risk arranges professional errors and omissions insurance for startups.
Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed.
6.7/ 10At-Bay offers primary miscellaneous professional liability insurance.
6.2/ 10Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.
Professional First materials describe a professional-liability portfolio with several professions and service types.
7.0/ 10CFC offers professional liability insurance for professional-service businesses.
Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms.
currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component
Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
6.2/ 10Corgi lists miscellaneous errors and omissions coverage for service-based businesses.
Coterie lists miscellaneous professional liability for eligible small businesses in participating states.
Several separately scoped professional-liability programs; do not generalize terms across professions.
Coverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions.
Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions.
ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
5.8/ 10Founder Shield lists errors and omissions for lawsuits alleging inferior work or service.
Professional E&O product page.
Gallagher arranges professional errors and omissions insurance for small businesses.
Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.
5.9/ 10Hiscox offers professional errors and omissions insurance for small businesses.
6.1/ 10HUB International arranges professional errors and omissions insurance.
5.5/ 10Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability.
Kinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes.
Lockton arranges professional errors and omissions insurance.
5.6/ 10Markel ProBiz miscellaneous E&O
7.1/ 10Marsh arranges professional errors and omissions insurance.
Mylo compares professional liability quotes for claims from clients unhappy with professional services.
Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.
Newfront lists errors and omissions among its executive-risk coverage services.
Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
Relm lists professional errors and omissions insurance for placement through brokers.
StartupInsurance.ai arranges professional errors and omissions insurance for startups.
4.9/ 10TechInsurance arranges professional errors and omissions insurance for small businesses.
Listed as professional liability/E&O for professional-services and government-contractor audiences.
The Hartford offers professional liability insurance for service businesses.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers professional errors and omissions insurance.
6.1/ 10USI arranges professional errors and omissions insurance.
Vouch lists errors and omissions among the core coverages in its professional-services programs.
WithCoverage includes errors and omissions in its technology insurance-program review services.
WTW markets financial-lines solutions, including errors and omissions, for residential real-estate stakeholders. Individual terms, insurer and placement eligibility are not established.
7.0/ 10Zurich markets professional errors and omissions insurance.
Heffernan Insurance Brokers Alternatives for Representations and Warranties
AIG Representations & Warranties Insurance
Beazley offers representations and warranties insurance.
BHSI lists Representations & Warranties Insurance within its Transactional Liability products.
7.0/ 10CFC offers buyer-side and seller-side representations and warranties insurance.
Chubb offers representations and warranties insurance within its offering for large US- and Canadian-based multinational companies.
Corgi lists representations and warranties insurance for M&A buyers and sellers.
Coverdash arranges representations and warranties insurance for mergers and acquisitions.
Founder Shield lists representations and warranties insurance for mergers and acquisitions.
Gallagher arranges representations and warranties insurance.
HUB International arranges representations and warranties insurance.
5.5/ 10Lockton arranges representations and warranties insurance.
5.6/ 10Newfront arranges representations and warranties insurance as part of its mergers-and-acquisitions transaction-liability services.
The M&A practice says its team can negotiate and place representations-and-warranty policies.
USI arranges representations and warranties insurance.
Heffernan Insurance Brokers Alternatives for Surety Bonds
Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability.
6.7/ 10BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms.
7.0/ 10Chubb offers surety bonds.
Coverdash lists surety bonds in its Excess & Specialty catalog with a quote route.
Embroker arranges construction-contract and license or permit surety bonds.
Gallagher arranges surety bonds.
Harper arranges license, permit and contract surety bonds.
5.9/ 10HUB International arranges surety bonds.
5.5/ 10Insureon markets Small Business Surety Bonds; description does not establish insurer, policy terms, or individual availability.
Lockton arranges surety bonds.
5.6/ 10Markel Surety bonds
7.1/ 10Marsh McLennan Agency (MMA), a Marsh business, arranges contract and commercial surety bonds.
Mylo compares commercial surety-bond quotes for license or permit obligations.
Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy.
Newfront arranges contract and commercial surety bonds.
Relm lists contract surety for placement through brokers.
StartupInsurance.ai arranges surety bonds for startups.
4.9/ 10TechInsurance arranges surety bonds for small businesses.
Dedicated surety practice describes bond advisory/placement across contract, commercial and subdivision contexts.
Travelers offers surety bonds.
6.1/ 10USI arranges contract, commercial and international surety bonds.
WTW’s 2024 annual report describes a global bond-placement team. This is a dated global group capability, not evidence of current U.S. placement terms or eligibility.
7.0/ 10Zurich markets construction and corporate surety bonds.
Heffernan Insurance Brokers Alternatives for Trucking Insurance
AIG Truck Insurance Group
Coverdash lists motor truck cargo and non-trucking liability, two trucking-related coverages, in its Auto & Transport catalog.
HUB International arranges trucking insurance.
5.5/ 10Kinro lists trucking insurance addressing auto liability, cargo, physical damage and trucking-specific filings or contract requirements.
Heffernan Insurance Brokers Alternatives for Umbrella and Excess Liability
AIG Excess Casualty (lead umbrella and mid/high excess)
Alliance Risk arranges umbrella and excess liability insurance.
Amelia Risk arranges umbrella and excess liability.
Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction.
6.7/ 10BHSI lists lead umbrella and excess casualty within its U.S. casualty products.
7.0/ 10CFC offers excess professional liability, general liability and cyber limits for small and micro businesses.
Chubb offers umbrella and excess liability insurance.
Corgi lists commercial umbrella liability insurance.
Coverdash lists umbrella and excess liability insurance.
Founder Shield lists umbrella insurance.
Foxquilt lists Umbrella/Excess in its primary-coverages list and has a current Umbrella Insurance page that distinguishes umbrella from excess. Membership is for marketed umbrella only; a separate excess product is not established.
Gallagher arranges umbrella and excess liability.
Harper arranges umbrella insurance.
5.9/ 10HUB International arranges umbrella and excess liability insurance.
5.5/ 10Insureon markets Commercial Umbrella; description does not establish insurer, policy terms, or individual availability.
Kinro lists umbrella and excess liability insurance.
Lockton arranges umbrella and excess liability insurance.
5.6/ 10Markel excess casualty and umbrella
7.1/ 10Mylo compares commercial umbrella quotes from insurers.
Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form.
Newfront arranges umbrella and excess liability insurance through its casualty practice.
Relm lists excess liability for placement through brokers.
Risklytics arranges umbrella insurance for robotics, hardware and AI businesses.
5.4/ 10StartupInsurance.ai arranges umbrella and excess liability insurance for startups.
4.9/ 10TechInsurance arranges commercial umbrella insurance for small businesses.
Listed among coverages that may be considered for digital-infrastructure clients and within the M&A practice’s P&C strategy.
The Hartford lists commercial umbrella insurance among its business coverage options.
Travelers offers commercial umbrella and excess liability insurance.
6.1/ 10USI arranges umbrella and excess liability.
Vouch lists umbrella among core coverages for technology companies.
WithCoverage includes umbrella coverage in its insurance-program reviews, for example for construction businesses.
Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit.
Heffernan Insurance Brokers Alternatives for Workers’ Compensation
AIG Workers’ Compensation options by distinct channel
Alliance Risk arranges workers’ compensation insurance.
Amelia Risk arranges workers’ compensation insurance.
Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement.
6.7/ 10Chubb offers workers’ compensation insurance for small businesses, from one employee up to $30 million in revenue, including technology companies.
Corgi lists workers’ compensation insurance.
Coverdash lists workers’ compensation insurance.
Embroker arranges workers’ compensation insurance.
ERGO NEXT offers workers’ compensation insurance for small businesses.
5.8/ 10Founder Shield lists workers’ compensation insurance.
Workers’ compensation page; state requirements vary.
Gallagher arranges workers’ compensation insurance for small businesses.
Harper arranges workers’ compensation insurance.
5.9/ 10Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.
6.1/ 10HUB International arranges workers’ compensation insurance.
5.5/ 10Insureon markets Workers’ Compensation; description does not establish insurer, policy terms, or individual availability.
Kinro arranges workers’ compensation insurance and reviews state, payroll and class-code questions.
Lockton arranges workers’ compensation insurance.
5.6/ 10Markel Workers Compensation
7.1/ 10Marsh McLennan Agency (MMA), a Marsh business, arranges workers’ compensation insurance.
Mylo compares workers’ compensation options from insurers.
Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern.
Newfront arranges workers’ compensation insurance through its casualty practice.
Pie Insurance offers workers’ compensation insurance for small businesses.
Risklytics arranges workers’ compensation insurance for robotics, hardware and AI businesses.
5.4/ 10StartupInsurance.ai arranges workers’ compensation insurance for startups.
4.9/ 10TechInsurance arranges workers’ compensation insurance for small businesses.
Listed for named commercial sectors; Baldwin’s dedicated page describes workers’ compensation program and services.
The Hartford offers workers’ compensation insurance.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers workers’ compensation insurance.
6.1/ 10USI arranges workers’ compensation insurance.
Vouch lists workers’ compensation among core coverages for technology companies.
WithCoverage arranges workers’ compensation insurance, for example for construction and restaurant businesses.
Zurich markets workers’ compensation insurance.
