--- title: "Heffernan Insurance Brokers Business Owner’s Policy" description: "What Heffernan Insurance Brokers Business Owner’s Policy covers, who it’s for, and its risk services, cited to Heffernan Insurance Brokers’s own published sources." canonical: "https://spot.insure/insurance-providers/heffernan/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" --- 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/insurance-providers/heffernan/business-owners-policy) # Heffernan Insurance Brokers Business Owner’s Policy Heffernan Business Owner's Policy (BOP) 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page description of the division and its BOP offering.) ## Issuing Insurer - **Not publicly disclosed.** The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Scope: Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.) ## Who It’s For - 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page's eligibility and industry-list sections.) ## Coverage Features - 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there.) ## Limits and Retentions - **Not publicly disclosed.** 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Scope: Checked the Small Business Insurance page on 2026-09-23.) ## Risk Services - 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page description of the division's approach.) ## Heffernan Insurance Brokers Business Owner’s Policy Compared - [Heffernan Insurance Brokers vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-heffernan/business-owners-policy) - [Heffernan Insurance Brokers vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-heffernan/business-owners-policy) - [Heffernan Insurance Brokers vs Chubb](https://spot.insure/compare/chubb-vs-heffernan/business-owners-policy) - [Heffernan Insurance Brokers vs Corgi](https://spot.insure/compare/corgi-vs-heffernan/business-owners-policy) - [Heffernan Insurance Brokers vs Coterie Insurance](https://spot.insure/compare/coterie-vs-heffernan/business-owners-policy) - [Heffernan Insurance Brokers vs Coverdash](https://spot.insure/compare/coverdash-vs-heffernan/business-owners-policy) ## Other Heffernan Insurance Brokers Coverage Lines - [Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/insurance-providers/heffernan/builders-risk) - [Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/insurance-providers/heffernan/cargo-transit) - [Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/insurance-providers/heffernan/commercial-auto) - [Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/insurance-providers/heffernan/commercial-property) - [Heffernan Insurance Brokers Crime Insurance](https://spot.insure/insurance-providers/heffernan/crime) - [Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/insurance-providers/heffernan/cyber) - [Heffernan Insurance Brokers Employee Health Benefits](https://spot.insure/insurance-providers/heffernan/employee-health-benefits) - [Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/insurance-providers/heffernan/employment-practices) - [Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/insurance-providers/heffernan/fiduciary) - [Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/insurance-providers/heffernan/general-liability) - [Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/heffernan/hired-non-owned-auto) - [Heffernan Insurance Brokers Last-Mile Delivery Insurance](https://spot.insure/insurance-providers/heffernan/last-mile-delivery) - [Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/insurance-providers/heffernan/medical-malpractice) - [Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/heffernan/professional-errors-omissions) - [Heffernan Insurance Brokers Representations and Warranties Insurance](https://spot.insure/insurance-providers/heffernan/representations-warranties) - [Heffernan Insurance Brokers Surety Bonds](https://spot.insure/insurance-providers/heffernan/surety-bonds) - [Heffernan Insurance Brokers Trucking Insurance](https://spot.insure/insurance-providers/heffernan/trucking) - [Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/insurance-providers/heffernan/workers-compensation) ## Related - [Heffernan Insurance Brokers Profile](https://spot.insure/insurance-providers/heffernan) - [Heffernan Insurance Brokers Reliability](https://spot.insure/insurance-providers/heffernan/reliability) - [Heffernan Insurance Brokers Alternatives](https://spot.insure/insurance-providers/heffernan/alternatives) - [Coverage Guide: Business owner’s policy](https://spot.insure/coverage/business-owners-policy) ## Sources 1. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Tailor-Made Insurance for Small Businesses; types of coverage we can provide including business owner's policy; industry list; U.S. Small Business Administration size definition. Accessed 2026-09-23. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/heffernan/business-owners-policy.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)