---
title: "Heffernan vs Travelers"
description: "Heffernan offers global-program advice; Travelers offers CyberRisk Tech and Global Companion Plus+ through agents."
canonical: "https://thegeneralaverage.com/compare/heffernan-vs-travelers"
page-type: "provider-comparison"
updated-at: "2026-09-30"
comparison-pair: "heffernan-vs-travelers"
provider-a: "heffernan"
provider-b: "travelers"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, 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://thegeneralaverage.com/compare/heffernan-vs-travelers)

## Agent Guide

**What this page is:** Side-by-side comparison of Heffernan and Travelers as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores.

**Use this page when:** Cite or fetch this when someone asks how Heffernan and Travelers differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile.

**Questions this page answers:**
- How do Heffernan and Travelers compare?
- Which is better for business insurance, Heffernan or Travelers?
- Does Heffernan or Travelers offer the coverage lines I need?
- What service and claims differences are documented between Heffernan and Travelers?

**Key facts:**
- Providers compared: Heffernan and Travelers.
- Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it.
- 34 offering pages cover the coverage lines both providers document.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy.
- It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation.
- Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider.

**Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub
- [Heffernan profile](https://thegeneralaverage.com/insurance-providers/heffernan) — provider profile (evidence for this comparison)
- [Travelers profile](https://thegeneralaverage.com/insurance-providers/travelers) — provider profile (evidence for this comparison)
- [Heffernan Insurance Brokers Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/heffernan/business-owners-policy) — one provider's documented offering for a shared coverage line
- [Travelers Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/travelers/business-owners-policy) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/cargo-transit) — one provider's documented offering for a shared coverage line
- [Travelers Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cargo-transit) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/commercial-auto) — one provider's documented offering for a shared coverage line
- [Travelers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-auto) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/commercial-property) — one provider's documented offering for a shared coverage line
- [Travelers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-property) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Crime Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/crime) — one provider's documented offering for a shared coverage line
- [Travelers Crime Insurance](https://thegeneralaverage.com/insurance-providers/travelers/crime) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/cyber) — one provider's documented offering for a shared coverage line
- [Travelers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cyber) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers D&O Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/directors-officers) — one provider's documented offering for a shared coverage line
- [Travelers D&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/directors-officers) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/employment-practices) — one provider's documented offering for a shared coverage line
- [Travelers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/employment-practices) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Fidelity Bonds](https://thegeneralaverage.com/insurance-providers/heffernan/fidelity-bonds) — one provider's documented offering for a shared coverage line
- [Travelers Fidelity Bonds](https://thegeneralaverage.com/insurance-providers/travelers/fidelity-bonds) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/fiduciary) — one provider's documented offering for a shared coverage line
- [Travelers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/fiduciary) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/general-liability) — one provider's documented offering for a shared coverage line
- [Travelers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/general-liability) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/kidnap-ransom) — one provider's documented offering for a shared coverage line
- [Travelers Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/travelers/kidnap-ransom) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/management-liability) — one provider's documented offering for a shared coverage line
- [Travelers Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/management-liability) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/professional-errors-omissions) — one provider's documented offering for a shared coverage line
- [Travelers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/travelers/professional-errors-omissions) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Surety Bonds](https://thegeneralaverage.com/insurance-providers/heffernan/surety-bonds) — one provider's documented offering for a shared coverage line
- [Travelers Surety Bonds](https://thegeneralaverage.com/insurance-providers/travelers/surety-bonds) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/umbrella-excess) — one provider's documented offering for a shared coverage line
- [Travelers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/umbrella-excess) — one provider's documented offering for a shared coverage line
- [Heffernan Insurance Brokers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/workers-compensation) — one provider's documented offering for a shared coverage line
- [Travelers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/travelers/workers-compensation) — one provider's documented offering for a shared coverage line
- [AIG vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/aig-vs-heffernan) — sibling comparison
- [AIG vs Travelers](https://thegeneralaverage.com/compare/aig-vs-travelers) — sibling comparison
- [Alliance Risk vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/alliance-risk-vs-heffernan) — sibling comparison
- [Alliance Risk vs Travelers](https://thegeneralaverage.com/compare/alliance-risk-vs-travelers) — sibling comparison
- [Amelia Risk vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/amelia-risk-vs-heffernan) — sibling comparison
- [Amelia Risk vs Travelers](https://thegeneralaverage.com/compare/amelia-risk-vs-travelers) — sibling comparison
- [Aon vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/aon-vs-heffernan) — sibling comparison
- [Aon vs Travelers](https://thegeneralaverage.com/compare/aon-vs-travelers) — sibling comparison
- [Armilla vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/armilla-vs-heffernan) — sibling comparison
- [Armilla vs Travelers](https://thegeneralaverage.com/compare/armilla-vs-travelers) — sibling comparison
- [At-Bay vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/at-bay-vs-heffernan) — sibling comparison
- [At-Bay vs Travelers](https://thegeneralaverage.com/compare/at-bay-vs-travelers) — sibling comparison
- [The Baldwin Group vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/baldwin-vs-heffernan) — sibling comparison
- [The Baldwin Group vs Travelers](https://thegeneralaverage.com/compare/baldwin-vs-travelers) — sibling comparison
- [Beazley vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/beazley-vs-heffernan) — sibling comparison
- [Beazley vs Travelers](https://thegeneralaverage.com/compare/beazley-vs-travelers) — sibling comparison
- [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-heffernan) — sibling comparison
- [Berkshire Hathaway Specialty Insurance vs Travelers](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-travelers) — sibling comparison
- [biBerk vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/biberk-vs-heffernan) — sibling comparison
- [biBerk vs Travelers](https://thegeneralaverage.com/compare/biberk-vs-travelers) — sibling comparison
- [CFC vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/cfc-vs-heffernan) — sibling comparison
- [CFC vs Travelers](https://thegeneralaverage.com/compare/cfc-vs-travelers) — sibling comparison
- [Chubb vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/chubb-vs-heffernan) — sibling comparison
- [Chubb vs Travelers](https://thegeneralaverage.com/compare/chubb-vs-travelers) — sibling comparison
- [CNA vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/cna-vs-heffernan) — sibling comparison
- [CNA vs Travelers](https://thegeneralaverage.com/compare/cna-vs-travelers) — sibling comparison
- [Coalition vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/coalition-vs-heffernan) — sibling comparison
- [Coalition vs Travelers](https://thegeneralaverage.com/compare/coalition-vs-travelers) — sibling comparison
- [Corgi vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/corgi-vs-heffernan) — sibling comparison
- [Corgi vs Travelers](https://thegeneralaverage.com/compare/corgi-vs-travelers) — sibling comparison
- [Coterie Insurance vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/coterie-vs-heffernan) — sibling comparison
- [Coterie Insurance vs Travelers](https://thegeneralaverage.com/compare/coterie-vs-travelers) — sibling comparison
- [Counterpart vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/counterpart-vs-heffernan) — sibling comparison
- [Counterpart vs Travelers](https://thegeneralaverage.com/compare/counterpart-vs-travelers) — sibling comparison
- [Coverdash vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/coverdash-vs-heffernan) — sibling comparison
- [Coverdash vs Travelers](https://thegeneralaverage.com/compare/coverdash-vs-travelers) — sibling comparison
- [Cowbell vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/cowbell-vs-heffernan) — sibling comparison
- [Cowbell vs Travelers](https://thegeneralaverage.com/compare/cowbell-vs-travelers) — sibling comparison
- [Embroker vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/embroker-vs-heffernan) — sibling comparison
- [Embroker vs Travelers](https://thegeneralaverage.com/compare/embroker-vs-travelers) — sibling comparison

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

Heffernan offers global-program advice; Travelers offers CyberRisk Tech and Global Companion Plus+ through agents.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Heffernan Insurance Brokers vs Travelers in Brief

Heffernan advises on global technology risks; Travelers offers CyberRisk Tech and Global Companion Plus+ through independent agents. [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/contact-us "Contact Us")

## Heffernan Insurance Brokers and Travelers Reliability Scores

These sourced assessments are shown for context; this comparison does not select a winner.

### Heffernan Insurance Brokers Reliability Scores

Role: Broker.

Broker Reliability Score: **5.0/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/heffernan/reliability).

### Travelers Reliability Scores

Role: Insurance carrier.

Carrier & MGA Reliability Score: **6.1/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates The Travelers Indemnity Company A++ (Superior) with a stable outlook, but a rating is an opinion, not a financial statement. Standalone statutory figures for the named insurers were not collected and the other financial evidence describes the consolidated group, so the issuing entity’s own resources are not established.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/travelers/reliability).

## Heffernan Insurance Brokers Review Scores for 2026

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

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.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/heffernan/reviews).

## Travelers Review Scores for 2026

Review Score: 4.8 / 10 from 3 rated sources, equally weighted.

Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance)
- Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Travelers](https://www.trustpilot.com/review/travelers.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html)

Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/travelers/reviews).

## An Overview of Heffernan Insurance Brokers and Travelers

A U.S. company opening an overseas operation can compare Heffernan’s global-program advice with the specific products a Travelers agent proposes. Ask how each country’s local coverage requirement will be handled. [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/contact-us "Contact Us") Choose Heffernan if you want help designing a global program; choose Travelers if CyberRisk Tech and Global Companion Plus+ fit through your agent.

## What Stands Out About Heffernan Insurance Brokers and Travelers?

### Heffernan Insurance Brokers at a Glance

- Heffernan’s technology team targets mid- and late-stage firms, including venture-funded and pre-IPO companies. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.)
- Heffernan offers claims consulting, including help coordinating workers’ compensation carriers and medical triage. [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.)

### Travelers at a Glance

- Startups and established tech companies can explore CyberRisk Tech, which can combine cyber and technology E&O. [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") [30](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [28](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.)
- Buy through an independent agent; many small accounts can be quoted and issued in an agent platform, while specialty technology risks need underwriting. [32](https://www.travelers.com/contact-us "Contact Us") [49](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") [29](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [55](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [48](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.)

## Heffernan Insurance Brokers vs Travelers Coverage Lines Compared

| Coverage Type | Heffernan Insurance Brokers | Travelers |
| --- | --- | --- |
| [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) | Listed: Heffernan arranges builders risk. [15](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") | Not listed |
| [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Listed: Heffernan arranges business owner’s policies for small businesses. [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed: Travelers offers business owner’s policies for small technology-services businesses. [28](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") |
| [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Listed: Heffernan arranges marine cargo insurance for freight, import and export businesses. [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Listed: Travelers offers cargo insurance through its transportation, cargo and logistics offering. [39](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") |
| [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Listed: Heffernan arranges commercial auto insurance. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed: Travelers offers commercial auto insurance. [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") |
| [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: Heffernan arranges commercial property insurance. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed: Travelers offers commercial property insurance. [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") |
| [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: Heffernan arranges crime insurance. [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Listed: Travelers offers commercial crime insurance. [38](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") |
| [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Heffernan arranges cyber insurance. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed: Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies. [29](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") |
| [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Heffernan arranges directors and officers liability. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed: Travelers offers directors and officers liability insurance. [35](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") |
| [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits) | Listed: Heffernan advises employers on group health, dental and vision benefits. [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") | Not listed |
| [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Heffernan arranges employment practices liability. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed: Travelers offers employment practices liability insurance. [37](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") |
| [Equipment breakdown](https://thegeneralaverage.com/coverage/equipment-breakdown) | Not listed | Listed: Travelers offers equipment breakdown insurance. [41](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") |
| [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Listed: Heffernan arranges employee dishonesty bonds. [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Listed: Travelers offers ERISA fidelity bonds. [40](https://www.travelers.com/surety-bond "Surety Bonds") [34](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") |
| [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Heffernan arranges fiduciary liability. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed: Travelers offers fiduciary liability insurance. [36](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") |
| [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Heffernan arranges general liability insurance. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed: Travelers offers general liability insurance. [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") |
| [Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto) | Listed: Heffernan arranges hired and non-owned auto liability. [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") | Not listed |
| [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Listed: Heffernan arranges kidnap and ransom insurance. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") | Listed: Travelers offers kidnap and ransom insurance. [34](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [45](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") |
| [Last-mile delivery](https://thegeneralaverage.com/coverage/last-mile-delivery) | Listed: Heffernan arranges insurance for final-mile delivery businesses. [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed |
| [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Listed: Heffernan arranges management liability insurance. [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Listed: Travelers offers management liability insurance. [34](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") |
| [Media liability](https://thegeneralaverage.com/coverage/media) | Not listed | Listed: Travelers offers media liability insurance through CyberRisk Tech for technology and life-sciences companies. [29](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") |
| [Medical malpractice](https://thegeneralaverage.com/coverage/medical-malpractice) | Listed: Heffernan arranges medical malpractice insurance. [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") | Not listed |
| [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Heffernan arranges professional errors and omissions insurance for small businesses. [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed: Travelers offers professional errors and omissions insurance. [53](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") |
| [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Listed: Heffernan arranges representations and warranties insurance. [20](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") | Not listed |
| [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Listed: Heffernan arranges surety bonds, including through a linked online bond portal. [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [13](https://www.heffins.com/quick-insure/ "Quick Insure") | Listed: Travelers offers surety bonds. [40](https://www.travelers.com/surety-bond "Surety Bonds") |
| [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Not listed | Listed: Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies. [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") [29](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") |
| [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Not listed | Listed: Travelers offers inland marine insurance. [39](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") |
| [Trucking](https://thegeneralaverage.com/coverage/trucking) | Listed: Heffernan arranges insurance for trucking and logistics businesses. [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Not listed |
| [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: Heffernan arranges excess and umbrella insurance. [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") | Listed: Travelers offers commercial umbrella and excess liability insurance. [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") [52](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") |
| [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: Heffernan arranges workers’ compensation insurance. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") | Listed: Travelers offers workers’ compensation insurance. [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") [51](https://www.travelers.com/business-insurance/workers-compensation "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.

## Heffernan Insurance Brokers and Travelers Coverage, Line by Line

- [Heffernan Insurance Brokers Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/heffernan/business-owners-policy)
- [Travelers Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/travelers/business-owners-policy)
- [Heffernan Insurance Brokers Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/cargo-transit)
- [Travelers Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cargo-transit)
- [Heffernan Insurance Brokers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/commercial-auto)
- [Travelers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-auto)
- [Heffernan Insurance Brokers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/commercial-property)
- [Travelers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-property)
- [Heffernan Insurance Brokers Crime Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/crime)
- [Travelers Crime Insurance](https://thegeneralaverage.com/insurance-providers/travelers/crime)
- [Heffernan Insurance Brokers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/cyber)
- [Travelers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cyber)
- [Heffernan Insurance Brokers D&O Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/directors-officers)
- [Travelers D&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/directors-officers)
- [Heffernan Insurance Brokers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/employment-practices)
- [Travelers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/employment-practices)
- [Heffernan Insurance Brokers Fidelity Bonds](https://thegeneralaverage.com/insurance-providers/heffernan/fidelity-bonds)
- [Travelers Fidelity Bonds](https://thegeneralaverage.com/insurance-providers/travelers/fidelity-bonds)
- [Heffernan Insurance Brokers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/fiduciary)
- [Travelers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/fiduciary)
- [Heffernan Insurance Brokers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/general-liability)
- [Travelers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/general-liability)
- [Heffernan Insurance Brokers Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/kidnap-ransom)
- [Travelers Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/travelers/kidnap-ransom)
- [Heffernan Insurance Brokers Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/management-liability)
- [Travelers Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/management-liability)
- [Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/professional-errors-omissions)
- [Travelers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/travelers/professional-errors-omissions)
- [Heffernan Insurance Brokers Surety Bonds](https://thegeneralaverage.com/insurance-providers/heffernan/surety-bonds)
- [Travelers Surety Bonds](https://thegeneralaverage.com/insurance-providers/travelers/surety-bonds)
- [Heffernan Insurance Brokers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/umbrella-excess)
- [Travelers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/umbrella-excess)
- [Heffernan Insurance Brokers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/heffernan/workers-compensation)
- [Travelers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/travelers/workers-compensation)

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Heffernan Insurance Brokers and Travelers

### A Global Product Is Not Every Local Policy

Travelers describes its U.S. Global Companion Plus+ as non-admitted and distinguishes global products from controlled master programs. Heffernan describes foreign exposures and globally operating technology clients. Ask which countries require separate local arrangements and how those policies relate to the U.S. program. A worldwide label does not identify the local insurer, coverage conditions or acceptance of the subsidiary’s activities. [45](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [46](https://www.travelers.com/business-insurance/global "Global Insurance") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

### Match Digital and Casualty Layers Separately

Travelers markets CyberRisk Tech for technology E&O and cyber, while its commercial umbrella materials describe underlying-coverage requirements. Ask Heffernan’s broker to explain how proposed policies fit across the program and to confirm it actually holds a Travelers appointment. Marketing that it shops the market isn’t proof of that. Confirm access and which underlying policies an excess or umbrella quote requires before assuming existing insurance can remain unchanged. [29](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [52](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")

### Define What the Agent and Insurer Each Handle

Travelers offers MyTravelers for documents, billing and claims, with display of limits, deductibles and policy changes and adding additional interests while creating a certificate limited to specified account segments. It directs policy-service questions to the agent. Heffernan describes claims consulting and digital service tracking. Ask which team manages foreign certificates, amendments and a loss involving several countries; a domestic portal feature is no guarantee of global service, so get that commitment in writing. [44](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") [32](https://www.travelers.com/contact-us "Contact Us") [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [23](https://www.heffins.com/about-us/modern-brokerage-solutions/ "Modern Brokerage Solutions")

## What Should You Confirm in Heffernan and Travelers Quotes?

Request a country-and-entity schedule, issuing companies, master/local policy relationships and claims-notice instructions. Confirm California eligibility for the U.S. products separately from insurer authorization. Obtain the broker’s market-access confirmation and compensation, including any additional work to coordinate overseas placements. [45](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [33](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [12](https://www.heffins.com/contact-us/ "Contact Us") [1](https://www.heffins.com/ "Heffernan Insurance Brokers")

## Heffernan Insurance Brokers vs Travelers Services Compared

What each provider documents about the services you may need.

| Criteria | Heffernan Insurance Brokers | Travelers |
| --- | --- | --- |
| Business role | Heffernan is a broker that shops insurers, presents options and arranges coverage; the policy’s insurer, not Heffernan, issues it and handles covered claims. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [5](https://www.heffins.com/privacy-statement/ "Privacy Statement") [1](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Company-reported; scope: Company-described broking role. Do not infer underwriting authority for all products from the marine-cargo program’s in-house authority language.; verified: 2026-09-16.)<br><br>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. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [24](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html "Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.") [2](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Brand and license-number display only. Not independent license verification or a complete legal-entity chart.; verified: 2026-09-16.)<br><br>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. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [2](https://www.heffins.com/about-us/our-story/ "Our Story") [25](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth "SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth") (Evidence: Company-reported; scope: Company and investor announcements. Not a current cap-table verification.; verified: 2026-09-16.)<br><br>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. [21](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/ "Heffernan Network Insurance Brokers") [22](https://www.heffins.com/about-us/locations/costero-brokers-ltd/ "London, UK – Costero Brokers") [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") [3](https://www.heffins.com/about-us/locations/ "Our Locations") (Evidence: Company-reported; scope: Official related-entity descriptions. Costero’s FCA status and Heffernan’s exact current ownership of Costero were not independently verified.; verified: 2026-09-16.) | Travelers sells property-and-casualty insurance through its operating subsidiaries; The Travelers Companies, Inc. is the holding company, not the policy issuer. Policies may name The Travelers Indemnity Company or another affiliate. [54](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [55](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [47](https://www.travelers.com/about-travelers "Who We Are") [33](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.)<br><br>Travelers says it primarily sells U.S. insurance through independent agents and brokers, whom it calls producers and who are not Travelers employees. It also owns Simply Business, Inc. and InsuraMatch, LLC, licensed digital independent agencies it says operate nationwide. [33](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [32](https://www.travelers.com/contact-us "Contact Us") [55](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") (Evidence: Company-reported; scope: U.S. distribution disclosure. Ownership of digital agencies does not establish that those agencies place technology business insurance for a given buyer, including in California.; verified: 2026-09-16.) |
| Coverage 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. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Direct offering lists. Labels are marketed brokerage capabilities, not policy wording, limits, or a promise that every technology applicant will be offered each line.; verified: 2026-09-16.)<br><br>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. [15](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [19](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [20](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") [11](https://www.heffins.com/employee-benefits/ "Health Insurance services") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.)<br><br>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. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Company-described capabilities. Captive feasibility, funding, and domicile are not established by the marketing copy.; verified: 2026-09-16.) | On its technology pages, Travelers lists CyberRisk Tech (technology E&O and cyber options, including media and regulatory-proceedings agreements on the cyber page), Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto and umbrella. Other current offering pages list a small-business technology-services BOP, management-liability lines (D&O, EPL, fiduciary, fidelity and crime, kidnap and ransom), professional E&O, inland marine including cargo, equipment breakdown, surety and commercial umbrella/excess including a Northfield surplus-lines option. [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") [29](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [28](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [34](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [53](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [39](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") [41](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [40](https://www.travelers.com/surety-bond "Surety Bonds") [52](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Marketed catalogue from product and service pages accessed 16 September 2026. Labels are not policy wording, limits or endorsements, and not every line is offered in a combined technology package.; verified: 2026-09-16.) |
| Availability | Heffernan’s offices and nationwide marketing do not guarantee your product is available in a state; its reviewed pages publish no technology product-by-state eligibility schedule. [2](https://www.heffins.com/about-us/our-story/ "Our Story") [3](https://www.heffins.com/about-us/locations/ "Our Locations") [5](https://www.heffins.com/privacy-statement/ "Privacy Statement") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [1](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Not publicly disclosed; scope: No independently verified 50-state licensure or worldwide product availability. Home-care “all states” copy is not extrapolated to technology placements.; verified: 2026-09-16.)<br><br>Before a California purchase, independently verify the producer’s current license, class and authority; Heffernan displays 0564249 but current status and lines remain unverified. [1](https://www.heffins.com/ "Heffernan Insurance Brokers") [24](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html "Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.") [26](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "California License Number Search") (Evidence: Not found in reviewed sources; scope: Accessed 16 September 2026. The California public lookup did not return a usable record; that is not a failed license or an adverse finding.; verified: 2026-09-16.) | Travelers describes Business Insurance as offered primarily in the United States, with additional operations in the United Kingdom, Ireland and other markets including Lloyd’s. Domestic business insurance is marketed through independent agents and brokers rather than as a single nationwide self-serve shop for every product. [55](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [54](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [47](https://www.travelers.com/about-travelers "Who We Are") (Evidence: Company-reported; scope: Group geographic description from the 2025 Form 10-K and investor profile. Primary-U.S. operations do not mean every product is available in every state.; verified: 2026-09-16.)<br><br>California’s insurance department lists The Travelers Indemnity Company (NAIC 25658) and Travelers Casualty and Surety Company of America (NAIC 31194) as property-and-casualty insurers with Unlimited-Normal licenses. Travelers’ agent directory also lists agencies in California. Those facts do not establish that a specific technology product, CyberRisk Tech form, BOP class or Global Companion Plus+ coverage is available or admitted for a particular California risk. [56](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") [57](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile "California Department of Insurance company profile: Travelers Casualty and Surety Company of America") [50](https://agent.travelers.com/ca "Travelers Insurance agencies in CA") [45](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Verified; scope: Admitted-insurer authorization and a public agency directory as of 16 September 2026. No product-by-product California eligibility schedule was found on the reviewed technology pages. U.S. Global Companion Plus+ is described by Travelers as non-admitted and not equivalent to a local admitted policy.; verified: 2026-09-16.) |
| Application process | 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. [12](https://www.heffins.com/contact-us/ "Contact Us") (Evidence: Verified; scope: 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.; verified: 2026-09-24.)<br><br>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. [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [13](https://www.heffins.com/quick-insure/ "Quick Insure") [12](https://www.heffins.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Service descriptions. Technology-page FAQ “how do I get” language is educational process copy, not a measured SLA.; verified: 2026-09-16.) | Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Technology and CyberRisk Tech pages likewise tell buyers to consult an agent or Travelers representative; a direct public bind path for technology packages was not found on the reviewed pages. [32](https://www.travelers.com/contact-us "Contact Us") [49](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [27](https://www.travelers.com/business-insurance/technology "Technology Insurance") [29](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [55](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [48](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) |
| Access to insurers | Heffernan shops multiple insurers, but public pages name few for technology accounts; request the issuing insurer, admitted or surplus-lines status and forms for each proposal. [9](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [17](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [18](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [16](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [14](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") [1](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Not publicly disclosed; scope: No verified carrier panel or ratings. Propeller and Thimble are distinct from a customary growth-stage technology placement.; verified: 2026-09-16.) | Travelers is the brand. Product footers name The Travelers Indemnity Company and its property-casualty affiliates, and Bond & Specialty pages name Travelers Casualty and Surety Company of America and affiliates. Umbrella materials also describe Northfield excess-and-surplus coverage for some hard-to-place risks. The issuing company, admitted or surplus status, and any fronting or network partner remain quote-specific. [33](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [51](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [35](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") [52](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [45](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Entities named on current marketing and compensation pages. This research does not assign one issuer to the entire technology catalogue or to California placements.; verified: 2026-09-16.) |

## Provider Profiles for Heffernan Insurance Brokers and Travelers

- [What Is Heffernan Insurance Brokers?](https://thegeneralaverage.com/insurance-providers/heffernan)
- [What Is Travelers Insurance?](https://thegeneralaverage.com/insurance-providers/travelers)

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## Sources for Heffernan Insurance Brokers vs Travelers

### [Heffernan Insurance Brokers Official Website](https://www.heffins.com)

1. [Heffernan Insurance Brokers](https://www.heffins.com/). 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](https://www.heffins.com/about-us/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](https://www.heffins.com/about-us/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](https://www.heffins.com/about-us/locations/walnut-creek/). Heffernan Insurance Brokers; Corporate headquarters; founded 1988 in Walnut Creek. Accessed 2026-09-16.
5. [Privacy Statement](https://www.heffins.com/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](https://www.heffins.com/business-insurance/). 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](https://www.heffins.com/business-insurance/technology/). 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](https://www.heffins.com/business-insurance/small-business/). 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](https://www.heffins.com/business-insurance/cyber-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](https://www.heffins.com/business-insurance/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](https://www.heffins.com/employee-benefits/). 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](https://www.heffins.com/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](https://www.heffins.com/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](https://www.heffins.com/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](https://www.heffins.com/business-insurance/construction/). 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](https://www.heffins.com/business-insurance/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](https://www.heffins.com/business-insurance/transportation/). 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](https://www.heffins.com/business-insurance/health-care/). 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](https://www.heffins.com/business-insurance/health-care/homecare/). 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](https://www.heffins.com/business-insurance/private-equity-and-ma/). 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](https://www.heffins.com/about-us/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](https://www.heffins.com/about-us/locations/costero-brokers-ltd/). 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](https://www.heffins.com/about-us/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.](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html) 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](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-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](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; License-number search form. Accessed 2026-09-16.

### [Travelers Official Website](https://www.travelers.com/business-insurance/technology)

27. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
28. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). Travelers; Technology services BOP inclusions; eligible small-business classes; EPL+ and World Business Essentials add-ons; independent-agent CTA. Accessed 2026-09-16.
29. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech product description; insuring agreements including technology E&O, privacy and security, media, regulatory proceedings and breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16.
30. [IT Insurance](https://www.travelers.com/business-insurance/technology/information-technology). Travelers; IT audience (software, consultants, staffing, network integration) and listed products including CyberRisk Tech and employment practices liability. Accessed 2026-09-16.
31. [Business and Commercial Insurance Policy Quotes](https://www.travelers.com/business-insurance). Travelers; Find an insurance agent CTA; product tiles including cyber, management and professional liability, BOP, surety, workers compensation; cost depends on risk factors; A.M. Best A++ company statement. Accessed 2026-09-16.
32. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
33. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
34. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; Management & Professional Liability product selection: D&O, EPL, ERISA fidelity, E&O, fidelity and crime, fiduciary, kidnap and ransom; stand-alone or suite; private, public, nonprofit and financial institutions. Accessed 2026-09-16.
35. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; D&O product description; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16.
36. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; Fiduciary liability offering for private, public, nonprofit and financial institutions; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16.
37. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; EPL product description for private, public, nonprofit and financial institutions; independent-agent CTA. Accessed 2026-09-16.
38. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; Fidelity and crime insuring agreements including social engineering, computer fraud and employee dishonesty; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16.
39. [Inland Marine Insurance](https://www.travelers.com/business-insurance/inland-marine). Travelers; Inland Marine products: construction and specialized property, property in transit, computers and electronics; Transportation, Cargo and Logistics. Accessed 2026-09-16.
40. [Surety Bonds](https://www.travelers.com/surety-bond). Travelers; Listed bond types including bid/performance/payment, license and permit, and ERISA fidelity. Accessed 2026-09-16.
41. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21 equipment-breakdown package, including high-tech businesses among stated audiences. Accessed 2026-09-16.
42. [Business Insurance Claims](https://www.travelers.com/business-insurance/claims). Travelers; 24/7/365 reporting via agent, online system or 800.238.6225; Technology claim unit since 1998; equipment-breakdown and inland marine claim units. Accessed 2026-09-16.
43. [File a Business Claim](https://www.travelers.com/claims/file-claim/business). Travelers; MyTravelers for Business login path to file a claim. Accessed 2026-09-16.
44. [MyTravelers for Business Online Self-Service Capabilities](https://www.travelers.com/small-business-insurance/mytravelers). Travelers; Pay bills, report and track claims, policy documents, certificates; footnotes limiting some features to Select Accounts and National Programs Commercial Multi-Peril customers. Accessed 2026-09-16.
45. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; Global Companion Plus+ coverages; U.S. product described as non-admitted; INI network in over 150 countries; kidnap and ransom among listed coverages. Accessed 2026-09-16.
46. [Global Insurance](https://www.travelers.com/business-insurance/global). Travelers; Global insurance for U.S. companies doing business abroad; Global Companion Plus+ versus Controlled Master Programs. Accessed 2026-09-16.
47. [Who We Are](https://www.travelers.com/about-travelers). Travelers; Property-casualty insurer; more than 30,000 employees and 15,000 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland. Accessed 2026-09-16.
48. [Benefit from the Personal Attention of a Travelers Independent Agent](https://www.travelers.com/about-travelers/value-of-an-agent). Travelers; Independent agents are not captive to one company; can help with claims and policy updates; Travelers.com/find agent CTA. Accessed 2026-09-16.
49. [Find the nearest Travelers Insurance agency](https://agent.travelers.com/search). Travelers; Public independent-agency locator for home, auto, business and renters insurance. Accessed 2026-09-16.
50. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16.
51. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; Product description; buy via local Travelers agent; The Travelers Indemnity Company footer; monopolistic-state qualification. Accessed 2026-09-16.
52. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; Commercial Umbrella Insurance introduction; A/B umbrella, excess liability and Northfield excess and surplus lines; purchase through an independent agent. Accessed 2026-09-16.
53. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16.
54. [Travelers Investor Relations Corporate Profile](https://investor.travelers.com/home/default.aspx). The Travelers Companies, Inc.; NYSE: TRV; property casualty insurance for auto, home and business sold primarily through independent agents and brokers; operations in the United States and selected international markets. Accessed 2026-09-16.
55. [The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm). U.S. Securities and Exchange Commission; Item 1 Business: holding company; Business Insurance distributed through independent agencies and brokers; Select Accounts automated quote/bind/issue for many small risks; Bond & Specialty distribution; California premium-share tables. Accessed 2026-09-16.
56. [California Department of Insurance company profile: Travelers Indemnity Company (The)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile). California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548; authorized lines including liability, fire, workers’ compensation and surety. Accessed 2026-09-16.
57. [California Department of Insurance company profile: Travelers Casualty and Surety Company of America](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile). California Department of Insurance; NAIC 31194; California Company ID 2444-8; authorized 07/31/1981; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548. Accessed 2026-09-16.

Updated 2026-09-30. 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](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source.

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