Heffernan Insurance Brokers 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-reportedBusiness 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-reportedShort-Term General Liability page as read 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. ^1,2,3Company-reportedShort-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.

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-reportedSmall Business Insurance page as read on 2026-09-23; no minimum size or exclusion was published.

Heffernan describes general liability as covering bodily injury and property damage caused by a company, whether by its people or its products. ²Company-reportedSmall Business Insurance page as read on 2026-09-23; the reviewed pages do not list specific exclusions or endorsements.

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-reportedShort-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For its standard commercial general liability placements, Heffernan's reviewed pages do not publish limit, retention, or premium ranges. ^1,2Not publicly disclosedBusiness Insurance and Small Business Insurance pages as read on 2026-09-23.

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-reportedBusiness Insurance Brokerage page as read on 2026-09-23; not general liability-specific and not described for the Thimble-partnered on-demand product.

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-reportedShort-Term General Liability page as read on 2026-09-23.