What Are the Key Differences Between Gallagher and Harper General Liability Insurance?
How Each Brokerage Approaches Insurers
Gallagher Small Business arranges general liability coverage with its own partner carriers, without describing how many insurers it compares for a given business. [2] Harper instead takes a single application and submits it to multiple insurers at once, with a specialist reviewing the business before it is quoted. [3]
What Each Publishes About Limits
Harper says most leases and contracts ask for $1 million per claim as a starting limit, and that it will recommend higher limits when a business's situation calls for it. [3] Gallagher's product page does not publish limits, deductibles or premiums, directing prospective buyers to request a quote instead. [2]
Certificates and Service
Harper says it issues certificates of insurance the same day a landlord, client or venue requests one, once a policy is in force. [3] Gallagher's reviewed page does not describe a comparable certificate-turnaround commitment; instead it lists an online quote form, an advisor phone line, and a scheduled callback option as its main service channels. [2]
What Should You Confirm in Gallagher and Harper General Liability Insurance Quotes?
- Ask Gallagher which specific carrier it is proposing, since its page does not name one. [2]
- Ask Harper how many insurers it submitted your application to and which one offered the best terms. [3]
- Confirm actual certificate turnaround time in writing from both before relying on Harper's same-day claim. [3]
- Compare judgment-interest and bond-premium coverage on your Gallagher quote against Harper's stated legal-defense terms. [2]