GeneralAverage

Amelia Risk vs Heffernan Insurance Brokers: How Do They Compare for Business Insurance?

Heffernan runs dedicated cargo and transportation practices, including a cargo claims unit that can settle and pay losses, plus captive and large-deductible options for later-stage firms. Amelia Risk is a broker for consumer-product and tech brands that covers inventory in transit and storage under one stock-throughput policy. 11,8,44,45,34,35,20,4,38,41

Introduction to the Amelia Risk vs Heffernan Insurance Brokers Comparison

Say you sell a food or skincare brand and you've started importing and warehousing your own stock. Amelia Risk's stock-throughput policy follows your goods from supplier through transit and storage and can value them at selling price rather than replacement cost. Heffernan's cargo program is built for the companies moving freight — forwarders and logistics firms — and adds logistics E&O and surety bonds, while its transportation practice covers trucking and final-mile delivery. 11 8 44 45 Choose Amelia Risk if you're a food, beverage, cosmetics or consumer-goods brand that also needs product liability and recall cover; choose Heffernan if you forward freight, run trucks or final-mile delivery, or are a later-stage company weighing self-insurance. 6

Buyer Takeaways for Amelia Risk vs Heffernan Insurance Brokers

Amelia Risk Buyer Takeaways

  • A women-owned San Francisco brokerage serves startups, consumer brands and technology companies. 1,3,4,5,6,7,8,22Company-reported. Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.
  • A broker gathers your information, shops multiple insurers and reviews the quotes with you. 4,18,2,5,20,22Company-reported. Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.

Heffernan Insurance Brokers Buyer Takeaways

  • Heffernan’s technology team targets mid- and late-stage firms, including venture-funded and pre-IPO companies. 29,35,36,30Company-reported. Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.
  • Heffernan offers claims consulting, including help coordinating workers’ compensation carriers and medical triage. 38,44Company-reported. Company descriptions of advocacy and a specialty cargo claims unit. Speed, “$1 billion managed,” and “up to 75% faster” figures are not adopted as verified performance.

Amelia Risk vs Heffernan Insurance Brokers Coverage Lines Compared

CoverageAmelia RiskHeffernan Insurance Brokers
Builders riskNot listedListed 43Heffernan arranges builders risk.
Business owner’s policyListed 5,7Amelia Risk arranges business owner’s policies for startups.Listed 36Heffernan arranges business owner’s policies for small businesses.
Cargo and transitListed 11,9,6,8Amelia Risk arranges stock-throughput (cargo) insurance for consumer-product businesses, which can address inventory in transit and at other locations.Listed 44,45Heffernan arranges marine cargo insurance for freight, import and export businesses.
Commercial autoListed 6,8Amelia Risk arranges commercial auto insurance for consumer-product businesses.Listed 34Heffernan arranges commercial auto insurance.
Commercial propertyNot listedListed 34Heffernan arranges commercial property insurance.
CrimeListed 5,7,6,8Amelia Risk arranges employee crime (fidelity) insurance.Listed 47Heffernan arranges crime insurance.
Cyber liabilityListed 16,9,5,7,6Amelia Risk arranges cyber insurance.Listed 34,37,36Heffernan arranges cyber insurance.
Directors and officersListed 13,9,5,7,6Amelia Risk arranges directors and officers liability.Listed 34Heffernan arranges directors and officers liability.
Employee health and benefitsNot listedListed 39Heffernan advises employers on group health, dental and vision benefits.
Employment practices liabilityListed 14,9,5,7,6Amelia Risk arranges employment practices liability.Listed 34Heffernan arranges employment practices liability.
Fidelity bondsNot listedListed 47Heffernan arranges employee dishonesty bonds.
Fiduciary liabilityListed 5,7,6,8Amelia Risk arranges fiduciary liability.Listed 34Heffernan arranges fiduciary liability.
General liabilityListed 10,9,5,7,6Amelia Risk arranges general liability insurance.Listed 34,36Heffernan arranges general liability insurance.
Hired and non-owned autoListed 10,5,7,6Amelia Risk arranges hired and non-owned auto liability for startups and consumer-product businesses.Listed 47Heffernan arranges hired and non-owned auto liability.
Kidnap and ransomNot listedListed 34Heffernan arranges kidnap and ransom insurance.
Last-mile deliveryNot listedListed 45Heffernan arranges insurance for final-mile delivery businesses.
Management liabilityNot listedListed 45Heffernan arranges management liability insurance.
Medical malpracticeNot listedListed 46Heffernan arranges medical malpractice insurance.
Product liabilityListed 6,8,10Amelia Risk arranges product liability insurance for consumer-product businesses.Not listed
Product recallListed 12,9,6,8Amelia Risk arranges product-recall insurance for consumer-product businesses.Not listed
Professional errors and omissions (E&O)Listed 5Amelia Risk arranges professional errors and omissions insurance for startups.Listed 36Heffernan arranges professional errors and omissions insurance for small businesses.
Representations and warrantiesNot listedListed 48Heffernan arranges representations and warranties insurance.
Surety bondsNot listedListed 44,41Heffernan arranges surety bonds, including through a linked online bond portal.
Technology errors and omissions (E&O)Listed 17,9,7Amelia Risk arranges technology errors and omissions insurance for technology businesses.Not listed
TruckingNot listedListed 45Heffernan arranges insurance for trucking and logistics businesses.
Umbrella and excess liabilityListed 9,10,5,8Amelia Risk arranges umbrella and excess liability.Listed 45Heffernan arranges excess and umbrella insurance.
Workers’ compensationListed 15,9,5,7,6Amelia Risk arranges workers’ compensation insurance.Listed 34,36Heffernan arranges workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Amelia Risk vs Heffernan Insurance Brokers Research by Coverage Line

Open what Amelia Risk and Heffernan Insurance Brokers each document for one coverage line.

Current Spot Scores for Amelia Risk and Heffernan Insurance Brokers

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Amelia Risk and Heffernan Insurance Brokers Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Amelia Risk Review Score

2.0/ 10

Review Score

1 rated source

Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.[7]

Read Amelia Risk reviews

Heffernan Insurance Brokers Review Score

5.2/ 10

Review Score

1 rated source

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.[6][7][8]

Read Heffernan Insurance Brokers reviews

Key Differences Between Amelia Risk and Heffernan Insurance Brokers

Your Own Inventory vs Goods You Move for Others

Stock throughput protects goods you own. If you also carry goods for customers, or your contracts make you liable for a logistics partner's mistakes, that's a different exposure — which is what Heffernan's logistics E&O and motor truck cargo products address. Tell either broker what you own, what you transport for others and what your contracts make you responsible for; a policy name alone won't show that all three are covered. 11 44 45

Self-Insurance Options for Later-Stage Companies

Heffernan's business and technology practices offer large deductibles, partial self-insurance and captives, aimed at mid-to-late-stage companies. Amelia Risk says it negotiates coverage and updates your program as you grow, but doesn't describe alternative risk financing. If you're large enough to retain losses, ask Heffernan for both a conventional quote and the alternative structure, and compare the capital you'd tie up and losses you'd pay, not just the premium saved. 34 35 20

Who Handles Your Claim

Amelia Risk says it advocates for you during claims but doesn't describe an intake channel or claims staff. Heffernan offers claims consulting, and its marine-cargo program has its own claims division with authority to adjust, settle and pay — faster decisions for cargo losses, though that authority applies to the cargo program only, not every policy Heffernan places. 4 38 44

What Should You Confirm in Amelia Risk and Heffernan Insurance Brokers Quotes?

Ask for transit and storage limits, the valuation basis and any logistics-liability terms, plus the insurer on each policy. Ask who can approve emergency action after goods are damaged or delayed, and which claim decisions stay with the insurer. If Heffernan proposes a captive or large deductible, get the funding and fee assumptions in writing. Heffernan's Quick Insure online path covers selected short-term and bond products only, so expect a broker conversation for cargo or technology programs. 41 35

Amelia Risk vs Heffernan Insurance Brokers Services Compared

What each provider documents about the services you may need

CriteriaAmelia RiskHeffernan Insurance Brokers
Business role

Amelia Risk gives buyers a broker to identify risks, discuss options, approach insurers and recommend a program; it does not present itself as the insurer. Its public pages do not name a licensed producer suffix, license number or NPN. 1,2,4,20,19Company-reported. Company website positioning as of 16 September 2026. Does not independently verify producer authority, appointments, or surplus-lines status.

Heffernan is a broker that shops insurers, presents options and arranges coverage; the policy’s insurer, not Heffernan, issues it and handles covered claims. 34,37,33,29Company-reported. Company-described broking role. Do not infer underwriting authority for all products from the marine-cargo program’s in-house authority language.

Confirm the exact producer on your agreement and policy: Heffernan’s pages use that business name and display California license 0564249 but no longer corporate suffix. 29,52,30Company-reported. Brand and license-number display only. Not independent license verification or a complete legal-entity chart.

Heffernan describes itself as employee-owned and independent since 1988; a 2019 investor release described a minority investment, but current ownership percentages are not public. 29,30,53Company-reported. Company and investor announcements. Not a current cap-table verification.

If you need California technology insurance, verify which related Heffernan entity will serve as producer; its network, London, and benefits entities do not identify the entity for your policy. 49,50,39,31Company-reported. Official related-entity descriptions. Costero’s FCA status and Heffernan’s exact current ownership of Costero were not independently verified.

Customer focus

Start with Amelia Risk if you are a startup, technology company or consumer-product business; its specialty pages cover software, hardware, robotics, AI, autonomous-vehicle software, life sciences, food, beverage, cosmetics and accessible-luxury brands. A company podcast describes a primary CPG focus, including higher-risk products such as baby food, skincare and supplements. Public pages do not set minimum revenue, headcount or funding-stage eligibility. 1,3,4,5,6,7,8,22Company-reported. Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.

Technology companies in mid-to-late stages, including venture-funded and pre-IPO firms, can work with Heffernan’s specialty practice; its small-business team serves sole proprietors through fast-growing firms. 29,35,36,30Company-reported. Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.

Coverage lines

You can ask Amelia Risk about general liability, umbrella or excess, stock throughput, product recall, D&O, EPL, workers’ compensation, cyber and Tech E&O. Specialty pages also list product, fiduciary and professional liability, BOP/property, auto and employee crime; these are marketed topics, not specimen forms or proof every applicant qualifies. 9,10,11,12,13,14,15,16,17,5,6,7,8Company-reported. Official policy hub and specialty “policies to consider” lists accessed 16 September 2026. Educational explanations of Prop 65, advertising injury, and copacker certificates are not treated as separate catalogue lines.

Businesses can ask Heffernan about general liability, property, auto, workers’ compensation, global exposures, EPL, D&O, fiduciary, cyber, E&O and BOP; these are marketed options, not an automatic package. 34,36Company-reported. Direct offering lists. Labels are marketed brokerage capabilities, not policy wording, limits, or a promise that every technology applicant will be offered each line.

Industry-specific options include construction, cargo, trucking, healthcare, home-care and M&A coverage, plus separate employee benefits; ask which specialist team and policies match your operations. 43,44,45,46,47,48,39Company-reported. Direct practice pages. Home-care “all states” language is not used as a California eligibility finding. Technology-page FAQ coverage examples were not used as the catalogue.

Later-stage companies managing total risk cost can ask about self-insurance, large deductibles or captives; these are financing strategies to evaluate, not standard insurance policies. 34,35,46Company-reported. Company-described capabilities. Captive feasibility, funding, and domicile are not established by the marketing copy.

Application process

Expect a broker conversation rather than a self-service binder: Amelia Risk gathers information, approaches insurers, reviews quotes with you, and leaves the decision to you. It says clients need not print, sign and scan multiple forms. A hosted interview suggests D&O underwriting may take days or weeks and recommends a two-to-three-week budget; this is an illustration, not a service deadline. No public quote calculator or sample application was found. 4,18,2,5,20,22Company-reported. Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.

You can start with an inquiry form asking for contact details, insurance needs and an operations description; the form was not submitted, so quote results and binding steps were not established. 40Verified. Chrome inspection of the unsubmitted Contact Form 7 on heffins.com/contact-us/. No fields completed and no submission. Downstream underwriting and post-submission behavior not tested. The wording was checked against the stored inspection record on 24 September 2026; the website was not revisited.

Technology buyers work with a specialist broker who gathers insurer quotes and helps choose coverage; Heffernan does not promise a universal quote or binding time for growth-stage programs. Quick Insure is a separate path for selected personal and short-term business products. 35,37,41,40Company-reported. Service descriptions. Technology-page FAQ “how do I get” language is educational process copy, not a measured SLA.

Claims assistance

Amelia Risk says it will advocate for clients during claims, but does not describe an intake channel, dedicated claims staff, settlement authority or service metrics; ask who you will contact and what support includes. 4,21Company-reported. Company-reported advocacy. Not an assessment of claims outcomes or insurer claims practices.

Heffernan describes claims consulting from intake through resolution, including carrier liaison and medical triage; its marine-cargo program separately claims authority to adjust, settle and pay. These are service claims, not a promise that your loss is covered. 38,44Company-reported. Company descriptions of advocacy and a specialty cargo claims unit. Speed, “$1 billion managed,” and “up to 75% faster” figures are not adopted as verified performance.

Sources for Amelia Risk vs Heffernan Insurance Brokers

Amelia Risk Official Website

  1. Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
  2. About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
  3. Our Team. Amelia Risk Insurance Brokers; Women-owned and operated brokerage statement; combined 60+ years claim; biographies for Liz Moore, Danielle Holyoake, Jess Cano, and Toni Simpson. Accessed 2026-09-16.
  4. Our Specialties. Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
  5. Insurance For Startups. Amelia Risk Insurance Brokers; Startup audience copy; Insurance policies for startups to consider: D&O, EPL, fiduciary, professional liability, cyber, BOP (property, general liability, hired and non-owned auto), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  6. Insurance For CPG Companies. Amelia Risk Insurance Brokers; Better-for-you food, beverage and cosmetic audience; Insurance policies for CPG companies to consider: product liability, recall, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto liability (owned, hired and non-owned), general liability, employee crime/fidelity, workers compensation; FAQ on copacker insurance, product recall versus product liability, hired and non-owned auto, and Prop 65 as possible sublimited defense. Accessed 2026-09-16.
  7. Insurance For Technology Companies. Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: D&O, EPL, fiduciary, Tech E&O, cyber, BOP (property, general liability, hired and non-owned auto), general liability, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  8. Consumer Product Insurance. Amelia Risk Insurance Brokers; Consumer-goods and accessible-luxury audience; Insurance policies for Consumer Product companies to consider: product recall, product liability, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto liability (owned, hired and non-owned), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  9. Insurance Policies. Amelia Risk Insurance Brokers; Policies hub cards: General Liability & Umbrella, Stock Throughput, Product Recall, D&O, EPL, Workers Compensation, Cyber Liability, Technology Errors & Omissions; nav labels POLICIES and FOR CLIENTS. Accessed 2026-09-16.
  10. General Liability. Amelia Risk Insurance Brokers; What's covered: premises, personal and advertising injury, product liability; hired and non-owned auto (sometimes standalone); umbrella or excess over scheduled underlying liability limits. Accessed 2026-09-16.
  11. Stock Throughput. Amelia Risk Insurance Brokers; What's covered: stock throughput often referred to as cargo; in-transit and at-location coverages; selling-price valuation compared with replacement cost. Accessed 2026-09-16.
  12. Product Recall. Amelia Risk Insurance Brokers; What's covered by a Product Recall Policy; when a company should buy it; As your broker, we help walk through these factors. Accessed 2026-09-16.
  13. Directors And Officers Liability. Amelia Risk Insurance Brokers; What's covered by a D&O policy; when companies commonly consider purchase around outside funding. Accessed 2026-09-16.
  14. Employment Practices Liability (EPL). Amelia Risk Insurance Brokers; What's covered; timing note on employers in California and New York. Accessed 2026-09-16.
  15. Workers Compensation. Amelia Risk Insurance Brokers; Description of workers compensation as statutory coverage required by all 50 states, and employer’s liability; when an employer with payroll should buy it. Accessed 2026-09-16.
  16. Cyber Liability. Amelia Risk Insurance Brokers; Network security and privacy liability; first-party and third-party components; cyber-crime/social engineering described as a traditional add-on. Accessed 2026-09-16.
  17. Technology Errors And Omissions. Amelia Risk Insurance Brokers; Tech E&O described as a more specific term for professional liability covering financial loss from failed technology products or services. Accessed 2026-09-16.
  18. Contact Us. Amelia Risk Insurance Brokers; Get in touch invitation; embedded contact iframe; LEARN ABOUT OUR SPECIALTIES; footer locations San Francisco and East Bay. Accessed 2026-09-16.
  19. Privacy Policy. Amelia Risk Insurance Brokers; Opening identification of Amelia Risk Insurance Brokers and ameliarisk.com; comment, media and cookie notices. Accessed 2026-09-16.
  20. Why We Created Amelia Risk. Amelia Risk Insurance Brokers; Liz Moore, 16 August 2021; late 2019 launch; independent coverage-first broker; women-owned positioning; free-consultation email at close. Accessed 2026-09-16.
  21. The Importance Of An Insurance Broker. Amelia Risk Insurance Brokers; Liz Moore, 23 August 2021; broker as outsourced risk manager and claims/renewal advocate; closing invitation for a free consultation. Accessed 2026-09-16.
  22. Podcast Episode – Beyond The Certificate With Startup CPG. Amelia Risk Insurance Brokers; Danielle Holyoake introduction: CRO and co-founder; late 2019 start; CPG focus; D&O underwriting described as days to a few weeks with completed information, with a two-to-three-week comfortable budget; inventory/stock throughput discussion. Accessed 2026-09-16.
  23. Nexsure Client Login. Nexsure; Login page linked from Amelia Risk’s Client Login Portal / FOR CLIENTS navigation. Accessed 2026-09-16.
  24. Ascend Insured Portal For Amelia Risk Insurance Brokers. Ascend; Login page at /amelia_risk_insurance_brokers linked from Amelia Risk navigation. Accessed 2026-09-16.
  25. Amelia Risk Pay Now. ePayPolicy; Footer Pay Now / MAKE A PAYMENT link. Accessed 2026-09-16.
  26. Business Name Search. California Department of Insurance; Agency or Organization Name search. Accessed 2026-09-16.
  27. Look Up A National Producer Number. National Insurance Producer Registry; Public NPN lookup definition page. Accessed 2026-09-16.
  28. Bizfile Online. California Secretary of State; Business search. Accessed 2026-09-16.

Heffernan Insurance Brokers Official Website

  1. Heffernan Insurance Brokers. Heffernan Insurance Brokers; What we offer; Independent since 1988; Built for what’s next; footer copyright and License #0564249; Quick Insure; Get a quote; Propeller bond-portal disclaimer. Accessed 2026-09-16.
  2. Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
  3. Our Locations. Heffernan Insurance Brokers; Nationwide coverage heading; Walnut Creek corporate headquarters; Bay Area and other California offices; Pacific Northwest, Mountain West, Northeast, Southeast, Honolulu; London Costero listing; footer License #0564249. Accessed 2026-09-16.
  4. Walnut Creek. Heffernan Insurance Brokers; Corporate headquarters; founded 1988 in Walnut Creek. Accessed 2026-09-16.
  5. Privacy Statement. Heffernan Insurance Brokers; Collection for professional services; disclosure to non-affiliated third parties to solicit quotations from insurance carriers; website content developed in the United States and intended for U.S. users except where otherwise specified. Accessed 2026-09-16.
  6. Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
  7. Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
  8. Small Business Insurance. Heffernan Insurance Brokers; Tailor-Made Insurance for Small Businesses: sole proprietors to fast-growing companies; types of coverage we can provide (GL, WC, E&O, BOP, cyber); industry list including Technology. Accessed 2026-09-16.
  9. Cyber Security Insurance. Heffernan Insurance Brokers; Make Cyber Liability Insurance Part of Your Cyber Risk Management Plan: cyber risk team determines exposure, shops the market, presents options and guides coverage selection; FAQ. Accessed 2026-09-16.
  10. Claims Advocacy. Heffernan Insurance Brokers; Full-service claims consulting; workers’ compensation strategy and carrier liaison; medical triage; general liability, auto and property advocacy; vendor compliance tools. Accessed 2026-09-16.
  11. Health Insurance services. Heffernan Insurance Brokers; Heffernan Benefit Advisors; Health Insurance / Let us help you find the ideal program: large and small group employee benefits, group dental, group vision, medical, life and disability, voluntary benefits, Medicare; Administration and Advocacy. Accessed 2026-09-16.
  12. Contact Us. Heffernan Insurance Brokers; Contact form fields: First Name, Last Name, Email, Phone, Insurance Needed, Description of Operations; Select Need A Quote / Other / Would like to speak with someone; Submit. Accessed 2026-09-16.
  13. Quick Insure. Heffernan Insurance Brokers; Fast quotes for personal and business insurance; Business Insurance tiles including Short Term General Liability, Surety, Special Event Insurance, Peer-to-Peer Car Rental; linked Propeller bond portal and third-party bond-provider notice; Trusted Providers copy. Accessed 2026-09-16.
  14. Short-Term General Liability. Heffernan Insurance Brokers; Partnership with Thimble Insurance Services for on-demand general liability; eligibility, pricing and coverage may vary by state; non-binding indication disclaimer. Accessed 2026-09-16.
  15. Construction & Contractor Liability Insurance. Heffernan Insurance Brokers; Protect Your Construction Projects with Builders Risk Insurance: customized builders risk coverage; contractor sectors served; construction-broker contact route; FAQ. Accessed 2026-09-16.
  16. Marine Cargo. Heffernan Insurance Brokers; Transportation Insurance Programs for Freight Forwarders and Logistics Companies; Coverage Options: Marine Cargo, E&O and Surety Bonds; Specialty Programs; in-house underwriting authority; exclusive access to major insurance carriers; dedicated claims division with settlement authority. Accessed 2026-09-16.
  17. Transportation Insurance. Heffernan Insurance Brokers; Our transportation subsectors include (trucking and final mile delivery); We offer the following exclusive and sponsored products (auto liability, motor truck cargo, umbrella, workers’ compensation, cyber and management liability); appointed with top transportation carriers. Accessed 2026-09-16.
  18. Healthcare Insurance for Health Care Services. Heffernan Insurance Brokers; Healthcare Services: Medical Malpractice (Med Mal); commercial-insurance solutions for physician groups, clinics, hospitals and other health care businesses; relationships with the nation’s top insurance carriers; captives and self-insurance options. Accessed 2026-09-16.
  19. Home Care Business Insurance. Heffernan Insurance Brokers; We offer comprehensive coverage for: workers’ compensation, general and professional liability, EPL, owned auto, Non-owned and Hired Auto, Crime–Third Party Theft, Employee Dishonesty Bond, cyber, medical billing E&O and property; home-care, home-health and hospice program audience. Accessed 2026-09-16.
  20. Private Equity and M&A. Heffernan Insurance Brokers; HIB Private Equity and M&A Practice (private-equity firms and strategic investors); Representation & Warranty (RWI) Insurance; Transactional Risk Mitigation list including contingent, environmental, tax and litigation buyout. Accessed 2026-09-16.
  21. Heffernan Network Insurance Brokers. Heffernan Insurance Brokers; Formerly OLI Insurance Services; wholly owned subsidiary; agency acquisition and perpetuation; exclusive carrier access described for partner agencies. Accessed 2026-09-16.
  22. London, UK – Costero Brokers. Heffernan Insurance Brokers; Costero Brokers Ltd. London office listing; full-service London brokerage; link to costerobrokers.com. Accessed 2026-09-16.
  23. Modern Brokerage Solutions. Heffernan Insurance Brokers; Independent brokerage; digital document access and service activity status; TrustLayer and Quick Insure mentions; AI workflow for claims administration. Accessed 2026-09-16.
  24. Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc. Heffernan Insurance Brokers via PR Newswire; 26 August 2026 release; Walnut Creek; independent brokerage; F. Michael Heffernan, President and CEO; License #0564249 in about block. Accessed 2026-09-16.
  25. SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth. InsuranceNewsNet reprint of SkyKnight Capital BusinessWire; 22 July 2019 announcement; minority investment; ESOP recapitalization; Mike Heffernan quote on retaining employee ownership. Accessed 2026-09-16.
  26. California License Number Search. California Department of Insurance; License-number search form. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. Editorial policy. To suggest a correction, email The General Average with the page URL and supporting source.

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