Foxquilt vs Heffernan: Professional Liability / E&O Insurance

Heffernan Insurance Brokers shops E&O with insurers for sole proprietors through fast-growing companies in many industries and will custom-design a package for unlisted ones; Foxquilt markets a professional liability product to technology and creative groups.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

What Are the Key Differences Between Foxquilt and Heffernan Insurance Brokers Professional Liability (E&O) Insurance?

Buyer classes and placement route

Foxquilt frames professional E&O around financial loss caused by professional advice or services and labels it claims-made. Heffernan Insurance Brokers describes client financial-loss claims from problems with a company’s product or service, and points buyers to its small-business placement process. Buyers comparing them should focus the quote on the precise service failure alleged and whether the policy responds to it. [1] [2]

How the request moves forward

Foxquilt specifically names technology and creative businesses; Heffernan Insurance Brokers’ small-business division lists technology alongside construction, food, health care, hospitality, nonprofits, real estate, transport and other sectors, and says it can design packages for unlisted industries. A business outside Foxquilt’s named examples or Heffernan Insurance Brokers’ list should supply its actual services rather than assume eligibility from the broad category. [1] [2]

Foxquilt’s page provides a quote path, while Heffernan Insurance Brokers asks buyers to contact its small-business division so it can research and assemble a package. That distinction matters if you want to compare a self-started request with a broker-led market search; compare the product-page quote path with Heffernan’s contact-led package discussion. [1] [2]

What Should You Confirm in Foxquilt and Heffernan Insurance Brokers Professional Liability (E&O) Insurance Quotes?

  • Ask Foxquilt which services and technology subclasses qualify and whether its quote includes defense costs; ask Heffernan Insurance Brokers which insurer and form it proposes, including the retroactive date and limits. [1] [2]

Foxquilt describes claims-made E&O for named technology and creative classes. Heffernan describes E&O for financial-loss claims tied to product or service problems and lists a broader small-business industry range.

Sources reviewed

  1. 01
    Professional Liability (E&O)

    Foxquilt · E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. · accessed 2026-09-29

  2. 02
    Small Business Insurance

    Heffernan Insurance Brokers · The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages · accessed 2026-09-23

  3. 03
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  4. 04
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  5. 05
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  6. 06
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

Areas of coverage

Foxquilt

  • role: Foxquilt markets a Professional Liability / Errors & Omissions product. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The page describes claims alleging financial loss caused by professional services or advice and labels the product claims-made. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The page names technology and creative classes among its target groups; it does not provide a complete eligibility list. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

Heffernan Insurance Brokers

  • role: Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.company-reportedSource ↗
  • coverage: Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.company-reportedSource ↗
  • eligibility: Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage.company-reportedSource ↗
  • limits: The reviewed page does not publish limits, retentions, or premium ranges for errors and omissions coverage. Small Business Insurance page as read on 2026-09-23.not-disclosedSource ↗
  • application: Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. Small Business Insurance page as read on 2026-09-23.company-reportedSource ↗

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