What Are the Key Differences Between Chubb and Gallagher General Liability Insurance?
Chubb Sets Its Own Package Terms; Gallagher Shops Insurers
Gallagher Small Business arranges coverage with partner insurers rather than underwriting it. Its page does not name which carrier would issue your policy, so eligibility depends on the insurer it selects. [6]
Gallagher Lists Covered Claim Costs
Gallagher lists claim investigation and defense, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and required bond premiums. [6] Chubb’s package pages describe Risk Consulting and casualty claims services but do not itemize the same expense categories. [3]
Both Require a Quote for Price and Limits
Neither provider’s reviewed pages publish general liability limits or premiums. Gallagher offers an online quote form or small-business advisor; Chubb takes online package quote requests or applications through an appointed broker. [6] [2]
What Should You Confirm in Chubb and Gallagher General Liability Insurance Quotes?
- Ask how your revenue and business class affect eligibility for Chubb’s BOP. [2]
- Ask Gallagher which carrier it would select for your policy. [6]
- Request actual limits and deductibles from both providers; neither reviewed page publishes them. [2] [6]
- Ask whether Chubb Risk Consulting is included in your package or costs extra. [3]