Gallagher vs Heffernan Insurance Brokers General Liability Insurance

Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself. ⁶Company-reported. Gallagher Small Business's direct-to-small-business general liability product page.

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.

The general liability product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the general liability product page on 2026-09-23.

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.

Not described in the reviewed sources.

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.

Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. ⁶Company-reported. Product page coverage overview; the issued policy and its exclusions control.

Gallagher lists covered expense types including claim investigation and defense costs, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for any bonds a liability suit requires. ⁶Company-reported. Product page expense list; the issued policy and its exclusions control.

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 general liability product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the general liability product page 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.

Not described in the reviewed sources.

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.

Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a general liability quote. ⁶Company-reported. Product page "Get Covered Now" section.

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.