Chubb vs Heffernan Insurance Brokers General Liability Insurance

Chubb does not sell general liability as a standalone monoline product on its public pages. It is packaged inside Chubb's BOP, Benchmarq and Customarq commercial package policies, or combined with pollution coverage in the GL Plus product. ^4,1Company-reported. BOP and technology-industry pages; a business seeking liability-only coverage should confirm whether Chubb will quote it outside a package.

Heffernan lists general liability among the basic coverages it places for business clients through its standard commercial-insurance brokerage, shopping insurers rather than underwriting the policy itself. ⁹Company-reported. Business Insurance Brokerage page as read on 2026-09-23.

Separately, Heffernan has partnered with Thimble Insurance Services to distribute an on-demand general liability product bought directly online, a distinct and narrower distribution model from its standard commercial brokerage placement. ¹¹Company-reported. Short-Term General Liability page as read on 2026-09-23.

Not described in the reviewed sources.

For the Thimble-partnered on-demand product, Heffernan says policies are underwritten by A-rated insurers, naming Markel Insurance Company. The reviewed pages for Heffernan's standard commercial general liability placements do not name an insurer. ^11,9,10Company-reported. Short-Term General Liability page for the named insurer; Business Insurance and Small Business pages for the standard-placement gap, as read on 2026-09-23.

Chubb's package products that include general liability target small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail and manufacturing. ⁴Company-reported. BOP eligibility criteria; restates the fact for the general-liability component of the package.

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, plus named specialty programs. ¹⁰Company-reported. Small Business Insurance page as read on 2026-09-23; no minimum size or exclusion was published.

Chubb's GL Plus product combines commercial general liability with affirmative products pollution liability and scalable premises pollution liability, and can be paired with umbrella coverage. ⁵Company-reported. Environmental Insurance product page describing GL Plus; targeted at businesses with pollution exposure alongside standard GL exposure.

Within Chubb's BOP, general liability is bundled with property coverage and optional enhancements such as employment practices liability, foreign liability, equipment breakdown and crime coverage. ⁴Company-reported. BOP coverage-highlights list; enhancement availability depends on the issued policy and state.

Heffernan describes general liability as covering bodily injury and property damage caused by a company, whether by its people or its products. ¹⁰Company-reported. Small Business Insurance page as read on 2026-09-23; the reviewed pages do not list specific exclusions or endorsements.

The reviewed pages do not publish specific general liability limits, sublimits or deductibles. ^4,5Not found in reviewed sources. BOP, GL Plus and umbrella pages as read on 2026-09-23.

Heffernan's Thimble-partnered on-demand product advertises $1 million or $2 million general liability limits, with pricing starting at $5 for short terms. ¹¹Company-reported. Short-Term General Liability page as read on 2026-09-23; Thimble's own disclaimer says eligibility, pricing, and coverage vary by state, activity class, and other factors.

For its standard commercial general liability placements, Heffernan's reviewed pages do not publish limit, retention, or premium ranges. ^9,10Not publicly disclosed. Business Insurance and Small Business Insurance pages as read on 2026-09-23.

Chubb Risk Consulting is available to GL Plus and package policyholders, and Chubb says it offers casualty claims services for negligence and misconduct claims. ⁵Company-reported. Environmental page Risk Consulting and Casualty Claims sections; not exclusive to general liability.

For standard commercial clients, Heffernan says it provides claims services, loss control, HR consulting, and risk-management and assessment services alongside placed coverages such as general liability. ⁹Company-reported. Business Insurance Brokerage page as read on 2026-09-23; not general liability-specific and not described for the Thimble-partnered on-demand product.

You can request a quote online for a Chubb package that includes general liability, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. ⁴Company-reported. BOP product page call-to-action for business owners and for agents and brokers.

The Thimble-partnered product is bought directly online with no paper forms, producing an ACORD certificate of insurance in under 30 seconds according to Heffernan's page. ¹¹Company-reported. Short-Term General Liability page as read on 2026-09-23.