Heffernan Insurance Brokers Business Owner’s Policy

Heffernan's small-business division arranges a business owner's policy (BOP) for small and growing companies as one of several coverages it places. Heffernan describes itself as the source businesses go to for insurance, not as the insurer. ¹Company-reportedSmall Business Insurance page description of the division and its BOP offering.

The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. ¹Not publicly disclosedChecked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.

Heffernan's small-business insurance targets companies the U.S. Small Business Administration defines as having fewer than 500 employees or less than $7 million in annual receipts, ranging from sole proprietors working from home to fast-growing companies, across industries it lists including construction, food, health care, hospitality, real estate, technology and transportation. ¹Company-reportedSmall Business Insurance page's eligibility and industry-list sections.

Heffernan describes a business owner's policy as a package that combines protection for a company's major property and liability risks in one bundle, assembling the basic coverages a business owner needs. ¹Company-reportedSmall Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there.

The small-business page does not publish BOP limits, deductibles or premium ranges. It cites only general statistics on the cost of small-business lawsuits, not Heffernan's own policy terms. ¹Not publicly disclosedChecked the Small Business Insurance page on 2026-09-23.

Heffernan says its small-business division focuses entirely on the needs of small-business clients and will research and build a custom-designed package for an industry or niche not listed on the page. ¹Company-reportedSmall Business Insurance page description of the division's approach.