Tailor-Made Insurance for Small Businesses



Big Results for Small Businesses
We Take Care of the Risk so You can Take Care of your Growing Business

Heffernan Insurance Brokers is the go-to source for insurance for small businesses, from sole proprietors working from home to fast-growing companies with ever-changing needs. Our small-business division is part of our overall commitment to the insurance needs of companies of all sizes. Although we have grown into a $100 million company over the past four decades, we always remember that small business drives our economy, as well as our own success.

The types of coverage we can provide include (but are not limited to):

  • General liability insurance covers bodily injury and property damage caused by your company, by both people and products.
  • Workers' compensation covers injuries to your employees while on the job.
  • Disability provides income to your employees if they are unable to work.
  • Errors and omissions protects against claims for problems with your product or service that result in a financial loss. 
  • Business owner's policy combines protection for all major property and liability risks in one package. This type of policy assembles the basic coverages required by a business owner in one bundle.
  • Cyber liability covers loss or theft of data.

Tailor-made Insurance Packages for Small Businesses

Some types of coverage apply to any business, while others are specific to a particular industry. 

At Heffernan, we’ve worked hard to provide insurance to businesses working in, but not limited to, the following industries:

And if you don’t see your particular industry or niche listed above, we’re still very happy to research and provide a package that is custom designed just for your needs.

Why You Need Protection

The U.S. Small Business Administration defines small businesses as those with fewer than 500 employees or less than $7 million in total annual receipts. Businesses that fall into this category must prepare for two broad types of liability:

  • Internal. This can include everything from on-the-job injuries to discrimination lawsuits. Even if the business is not at fault, legal fees add up quickly.
  • External. The possibilities are nearly limitless, from a customer slipping and falling on your property to a client losing money after taking your professional advice.

The frequency and expense of small-business lawsuits can be sobering:


Heffernan Insurance Brokers for Small Businesses: Your Partner for Success

Meeting the needs of small business owners has remained a passion for Heffernan’s dedicated small business division.
We focus entirely on meeting the specific needs of our small business insurance clients.

Together, we can help keep you on the path to success and scale your benefits as you grow from a basement startup to Fortune 500. 

Being a small business does not mean having to settle for small results.

Remember, every large and mid-sized business once was a small business like yours. Let us show you today how easy and affordable peace of mind can be.


For a customized, no-obligation quote, simply click on one of the following links:



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We have appreciated the services that we have received throughout our 20 years of association with your firm. Your help in securing timely quotes for our insurance needs, your guidance and advice through the process and especially your followup assistance throughout the terms of our policies has always been welcome and comforting as well as helping us to grow our business. Thank you as always.

David F., customer since 2015

Anytime we have questions about our policy or other general questions or requests, your team is immediately responsive and helpful.

John W., customer since 2015

Your professional service, sensitivity to the need of the clients puts you on top of the pack.

Harbans A., customer since 2014


Kenny B., customer since 2015

We have always been satisfied with the service we have received, and hope to continue that relationship into the future. Any claims we have submitted have always been promptly handled, and well taken care of.

Customer since 2015

Prompt service! My firm is growing and entering multiple States - Heffernan keeps us covered.

Customer since 2015

Pleasant to work with. Always get a response right away. Answers my silly questions and explains things so I can understand. Have enjoyed working with all.

Customer since 2016

Whenever I've called and needed assistance with my GL insurance needs, Heffernan and its great staff have provided what I need. Thanks!

Customer since 2015

Dana was very patient and courteous when dealing with my company during our startup phase. She was prompt and comprehensive in response to our questions.

Customer since 2017