--- title: "Switch from Heffernan" description: "Compare brokers with Spot and move your insurance program away from Heffernan without a lapse in coverage." canonical: "https://spot.insure/switch-from/heffernan" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/switch-from/heffernan) ## Agent Guide **What this page is:** Compare brokers with Spot and move your insurance program away from Heffernan without a lapse in coverage. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # 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 [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=general-liability&icp=startups) ## How it works - **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. - **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. - **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. - **Choose a date for each policy.** Your Spot team helps you time letters or renewal appointments so every policy stays active through the handover. 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 - **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. - **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. - **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. - **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 - **Read the broker agreement.** Find the term, notice and servicing clauses before you tell anyone you’re looking. - **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. - **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. - **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 - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Employee health and benefits](https://spot.insure/insurance/employee-health-benefits/quotes) - [Commercial property](https://spot.insure/insurance/commercial-property/quotes) - [Commercial auto](https://spot.insure/insurance/commercial-auto/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/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. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/heffernan.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)