Heffernan Insurance Brokers vs 
Simply Business: How Do They Compare for General Liability Insurance?
What Is Heffernan Insurance Brokers?
Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. 1,2,3
Read the Heffernan Insurance Brokers profile
Read the Heffernan Insurance Brokers General Liability Insurance page
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 6,7
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 9,10,11
Key Differences in General Liability Insurance
Two ways to reach coverage at Heffernan
Heffernan places standard commercial general liability through its brokerage and separately offers an online, Thimble-partnered product with stated $1 million or $2 million limits; Simply Business describes an online quote flow without publishing comparable limits in this offering record. If speed and a stated limit matter, ask Heffernan which route fits your business and request Simply Business's carrier and quote limits before comparing. 5 7
Brokerage support and online purchase
For standard commercial clients, Heffernan lists claims services, loss control, HR consulting and risk management alongside general liability. Simply Business describes online quoting, but its reviewed claims do not specify comparable ongoing risk services. Buyers needing help after binding should ask each broker what support applies to the quoted policy. 3 8
What to Confirm in General Liability Insurance Quotes
- Ask Heffernan whether the quote is its standard broker placement or the Thimble-partnered product, and confirm the issuing insurer, term and $1 million or $2 million limit. 5
- Ask Simply Business which carrier approved the quote, the offered limits and whether the quote can be bound without further panel approval. 7
- Compare included claims and loss-control support for the specific Heffernan placement and Simply Business policy. 3 8
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Heffernan Insurance Brokers
Review Score
1 rated source
Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.[6][7][8]
Read Heffernan Insurance Brokers reviewsSimply Business
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsOffering Details
Heffernan Insurance Brokers vs Simply Business: General Liability Insurance: documented features by provider
| Criteria | Heffernan General Liability Insurance | General liability insurance through Simply Business |
|---|---|---|
| Role in This Line | 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. 3Company-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. 5Company-reported. Short-Term General Liability page as read on 2026-09-23. | Confirm in your quote. |
| Issuing Insurer | 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. 5,3,4Company-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. | Confirm in your quote. |
| Who It’s For | 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. 4Company-reported. Small Business Insurance page as read on 2026-09-23; no minimum size or exclusion was published. | The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. 8Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | Heffernan describes general liability as covering bodily injury and property damage caused by a company, whether by its people or its products. 4Company-reported. Small Business Insurance page as read on 2026-09-23; the reviewed pages do not list specific exclusions or endorsements. | The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. 8Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | Heffernan's Thimble-partnered on-demand product advertises $1 million or $2 million general liability limits, with pricing starting at $5 for short terms. 5Company-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. 3,4Not publicly disclosed. Business Insurance and Small Business Insurance pages as read on 2026-09-23. | Confirm in your quote. |
| Risk Services | 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. 3Company-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. | Confirm in your quote. |
| How to Apply | 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. 5Company-reported. Short-Term General Liability page as read on 2026-09-23. | Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. 8,7Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Full Comparison
More Heffernan Insurance Brokers vs Simply Business Comparisons
Other General Liability Insurance Comparisons
Sources
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
- Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Basic coverages Heffernan can provide include general liability, commercial property, commercial auto, workers' compensation, and global/foreign exposures, among others. Accessed 2026-09-23.
- Small Business Insurance. Heffernan Insurance Brokers; Tailor-Made Insurance for Small Businesses: sole proprietors to fast-growing companies; General liability insurance covers bodily injury and property damage caused by your company, by both people and products; industry list including Construction, Food Industry, Health Care, Hospitality, Nonprofits, Real Estate, Technology, Transportation, Vintners and Growers, Specialty Programs. Accessed 2026-09-23.
- Short-Term General Liability. Heffernan Insurance Brokers; Heffernan has partnered with Thimble Insurance Services; On-demand General Liability Insurance can be purchased for an hour, a day, or a month; Get your certificate of insurance in less than 30 seconds with $1 million coverage starting at $5; Buy a $1M or $2M General Liability policy ... in seconds; Rely on Verifly: All policies are underwritten by A-Rated insurers, including Markel Insurance Company; Eligibility, pricing and coverage may vary by state, activity/class and other factors. Accessed 2026-09-23.
Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- General Liability Insurance for a Small Business. Simply Business; Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page. Accessed 2026-09-29.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
