What Does Cyber Insurance from Heffernan Insurance Brokers Cover?

Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. ¹Company-reportedCyber Security Insurance page's description of the cyber risk team.

The cyber page does not name the insurer that would issue a cyber policy arranged through Heffernan. ¹Not publicly disclosedChecked the Cyber Security Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.

Heffernan says cyber insurance is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations. ¹Company-reportedCyber Security Insurance page's FAQ answer on who needs cyber insurance; this is general educational content on Heffernan's own page rather than a stated underwriting appetite.

Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. ¹Company-reportedCyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected.

The cyber page does not publish specific limits or retentions for a Heffernan-arranged cyber policy; its FAQ gives only a general premium range of a few hundred to several thousand dollars annually across the market. ¹Not publicly disclosedChecked the Cyber Security Insurance page on 2026-09-23.

Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. ¹Company-reportedCyber Security Insurance page's services description.

Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. ¹Company-reportedCyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer.