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

Gallagher’s technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT and technology firms. ^2,7Company-reported. US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.

Ask which service and fee model fits a bootstrapped business because reviewed Gallagher technology and small-business pages set no minimum premium, funding stage or revenue requirement. ^2,7,8Not publicly disclosed. Public pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum.

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. ^14,20,21,15Company-reported. Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.

You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. ^8,9Company-reported. Public form inspected without submission; no quote, account creation or actual purchase tested.

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. ²⁵Verified. 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. ^20,22,26,25Company-reported. Service descriptions. Technology-page FAQ “how do I get” language is educational process copy, not a measured SLA.

Ask which Gallagher tools your engagement includes: Go supports client self-service, Submit tracks submissions and documents, and Verify manages certificates. ²Company-reported. Company-described technology-practice tools; no logged-in testing or universal account entitlement.

Former Woodruff Sawyer clients can use separate portals for benefits, policies, claims, certificates and auto ID cards; confirm which login serves your account. ¹Company-reported. Transition-page descriptions; no portal functionality tested.

Gallagher describes pre-renewal meetings across finance, HR, operations and risk teams, plus contract review and coverage-gap analysis; agree on the timeline and deliverables for your account. ¹⁰Company-reported. Casualty-practice service description, not a promise for all small-business engagements.

Heffernan says clients receive claims, loss-control, HR and risk-management support, with digital access to documents and certificates; confirm which tools and services your engagement includes. ^19,36,23Company-reported. Official feature descriptions only; no authenticated client account or measured service levels.

Gallagher describes specialized claims advocacy, including attorneys, for executive-risk customers working with insurers; this is support, not a guarantee of payment or claims quality. ³Company-reported. Executive-risk practice only; insurer decision-making, counsel role, charges and service scope require confirmation.

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. ^23,29Company-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.

Request placement-specific compensation because Gallagher may receive commissions, fees, contingent and supplemental commissions or affiliate/intermediary payments; no startup fee schedule is published. ⁴Company-reported. US compensation disclosure; no fee-free or uniform commission assumption.

Request the account-specific commissions, fees, contingent compensation and separately billed services because reviewed pages do not publish a standard fee schedule; lack of a published schedule does not mean the work is free. ^{14,19,20,25,18,26}Not found in reviewed sources. Public commercial pricing search on 16 September 2026. Educational FAQ dollar ranges and Irish Heffernan.ie commission PDFs are out of scope and were not used.