Tell us how Heffernan serves you
Heffernan has several paths, from a technology practice to small-business services. Send your agreement and policies so your Spot team records which path and which insurers apply.
Orbit SoftwareOrganized by Spot
Switch from Heffernan
Moving your insurance program from Heffernan? Compare brokers with Spot
Heffernan is an independent brokerage with a specialist practice for growth-stage technology firms, and your Spot team organizes the program it placed so you can compare brokers on equal facts.
- Practice and servicing path identified first
- Claims consulting needs added to your comparison
- Policy dates in one list
How it works
List what you rely on
We note your general liability, cyber, directors and officers, benefits, property, auto and professional liability, plus any claims consulting or certificate tracking you use.
General liability insurance
Orbit Software · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Compare brokers
Spot works with brokers, not instead of them. We help you compare candidates on industry practice, markets and how they handle claims and certificates.
# spot-support
TaylorOrbit Software
Can we explore other brokers for our general liability insurance?
RileySpot
Let’s review the information and discuss the next steps with your broker.
Choose a date for each policy
Your Spot team helps you time letters or renewal appointments so every policy stays active through the handover.
TaylorOrbit Software
Can we explore other brokers for our general liability insurance?
Let’s review the information and discuss the next steps with your broker.
General liability insurance policy
Coverage terms · Limits
Moving from Heffernan Insurance Brokers
Heffernan is an independent brokerage for businesses from small companies to scaling technology firms, with named industry practices and a specialist practice for mid- and late-stage technology firms. It also offers claims consulting. You can start with an inquiry form, and technology buyers work with a specialist broker who gathers insurer quotes.
Why businesses consider switching
- 01
Your industry needs a closer fit
A broker whose practice centers on your kind of business already knows the contracts and insurers you deal with.
- 02
You want one named contact
When a certificate is due or a loss happens, some owners prefer a person who knows the whole program over a portal.
- 03
You’re changing stage
A company moving from small-business insurance toward a larger technology or multi-entity program may need a different kind of broker.
- 04
You’d like to hear how each broker is paid
Commission, fees or both is a fair question to put to every candidate.
How to switch without a gap
- 01
Read the broker agreement
Find the term, notice and servicing clauses before you tell anyone you’re looking.
- 02
Meet other brokers before renewal
Ask each for a proposal that covers the lines you hold now, and for a plan to service claims and certificates.
- 03
Pick a letter or a renewal appointment
A broker of record letter names a start date for servicing. A renewal appointment waits for the policy date, which avoids a mid-term change.
- 04
Confirm before anything ends
Changing brokers doesn’t cancel a policy. Hold every policy until the new broker confirms in writing what it services and any replacement is bound. Then reissue certificates.
Coverage to consider
General liability
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Get quotesCyber liability
Buy cyber insurance with Spot: we describe your systems and controls for insurers, compare response and liability limits, and check customer cyber clauses.
Get quotesDirectors and officers
Buy D&O insurance with Spot: a prepared submission, broker proposals compared on insureds, defense costs and exclusions, and your policy kept on file.
Get quotesWorkers’ compensation
Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesEmployee health and benefits
Employee health benefits with Spot: workforce details prepared, plans compared on networks and total cost, and self-funding and stop-loss terms explained.
Get quotesCommercial property
Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Get quotesCommercial auto
Commercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.
Get quotesProfessional errors and omissions (E&O)
Buy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.
Get quotes
Common questions
Does Heffernan’s claims consulting move with me?
It depends on your agreement. If you rely on claims help, ask any broker you consider whether they offer it, and your Spot team adds it to your comparison list.
Can I keep one policy with my current broker?
Often, yes. A broker of record letter can name specific policies, so you can leave some where they are. Your Spot team tracks who services what.
Does Heffernan endorse or partner with Spot?
No. Spot is independent of Heffernan and doesn’t speak for it. We use the name only to identify the broker you’re leaving.
Will changing brokers cancel my policies?
Appointing a new broker changes who services your policies; it doesn’t end them. Ask each insurer to confirm which policies the new broker takes over.
Does Spot take a commission if I stay with my broker?
Spot takes no commissions on premiums either way. You can keep Heffernan beside Spot, or let us help you compare other brokers.
Related
Get insurance off your to-do list.
Heffernan is an independent brokerage with a specialist practice for growth-stage technology firms, and your Spot team organizes the program it placed so you can compare brokers on equal facts.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
More guides
- General liability: A Buyer’s Guide
- Cyber liability: A Buyer’s Guide
- Directors and officers: A Buyer’s Guide
- Workers’ compensation: A Buyer’s Guide
- Employee health and benefits: A Buyer’s Guide
- Commercial property: A Buyer’s Guide
- Commercial auto: A Buyer’s Guide
- Professional errors and omissions (E&O): A Buyer’s Guide