Heffernan Insurance Brokers General Liability Insurance
Heffernan General Liability Insurance
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. 1Company-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. 3Company-reported. Short-Term General Liability page as read on 2026-09-23.
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. 1,2,3Company-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.
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. 2Company-reported. Small Business Insurance page as read on 2026-09-23; no minimum size or exclusion was published.
Coverage Features
Heffernan describes general liability as covering bodily injury and property damage caused by a company, whether by its people or its products. 2Company-reported. Small Business Insurance page as read on 2026-09-23; the reviewed pages do not list specific exclusions or endorsements.
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. 3Company-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.
Not publicly disclosed. For its standard commercial general liability placements, Heffernan's reviewed pages do not publish limit, retention, or premium ranges. 1,2Business Insurance and Small Business Insurance pages as read on 2026-09-23.
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. 1Company-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.
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. 3Company-reported. Short-Term General Liability page as read on 2026-09-23.
Heffernan Insurance Brokers General Liability Insurance Compared
Other Heffernan Insurance Brokers Coverage Lines
Sources
- 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.
