Gallagher vs Hub International: Business Owner’s Policy

Contact a HUB broker to start with HUB International, which brokers BOPs and describes no online quote; Gallagher Small Business arranges a BOP with partner carriers and lets you start by online form, advisor phone line or callback.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-25

What Are the Key Differences Between Gallagher and HUB International Business Owner’s Policy?

Three Ways In Versus One

Both brokers place your BOP with an insurer rather than writing it, so neither page names who pays claims or publishes limits, deductibles or premiums. Gallagher Small Business lets you start online, call a small-business advisor or request a callback. HUB's page only points you to a HUB broker, with no online quote or self-serve purchase. Choose Gallagher if you want to get a number moving on your own schedule; choose HUB if you'd rather hand the whole job to a broker. [1] [3]

Published Exclusions Versus Advisor Tailoring

Gallagher names its general-liability parts and property for rented space and equipment, then lists what the BOP won't cover, including employee injuries and malpractice. That tells you early which separate policies you'll need. HUB covers buildings, equipment, stock, furniture and fixtures plus liability for injury or property damage, and says its advisor adjusts options so gaps don't open between property and liability. [1] [3]

What Should You Confirm in Gallagher and HUB International Business Owner’s Policy Quotes?

  • Ask both brokers which insurer would issue the BOP. [1] [3]
  • Ask HUB which options its advisor would add for your line of business. [3]
  • Check Gallagher's exclusion list against the policy HUB places. [1] [3]
  • Compare limits and deductibles side by side once both quotes arrive. [1] [3]

Gallagher is easier to start with: you can begin a BOP quote online, by phone or by callback, and it publishes what the policy won't cover. HUB works only through a broker, who tailors options to your line of business.

Sources and records

  1. 01
    Business Owners Policy

    Gallagher Small Business · Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now · accessed 2026-09-23

  2. 02
    Connect With an Advisor

    Gallagher Small Business · Form fields from company name through annual revenue; acknowledgment · accessed 2026-09-16

  3. 03
    Business Owners Policy (BOP) Company Coverage

    HUB International · BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker · accessed 2026-09-23

  4. 04
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  5. 05
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

Provider coverage details

Gallagher

  • role: Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. Gallagher Small Business's direct-to-small-business BOP product page.company-reportedSource ↗
  • coverage: Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. Product page coverage overview; the issued policy and its exclusions control.company-reportedSource ↗
  • coverage: Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.company-reportedSource ↗
  • eligibility: Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting.company-reportedSource ↗
  • insurer: The BOP product page does not name the insurer that would issue a given business's policy. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.not-disclosedSource ↗
  • limits: The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. Checked the BOP product page on 2026-09-23.not-disclosedSource ↗
  • application: Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. Product page "Get Covered Now" section.company-reportedSource ↗

HUB International

  • role: HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. BOP product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • services: HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.company-reportedSource ↗
  • insurer: The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.not-disclosedSource ↗
  • application: HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. Product-page call to action as read 2026-09-23.company-reportedSource ↗

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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