What Are the Key Differences Between Gallagher and Hiscox General Liability Insurance?
Online Availability and Technology Coverage
Hiscox sells general liability online in 49 states and D.C. and adds an electronic-data provision for IT and technology professions; Gallagher offers an online quote form, small-business advisor phone line, and callback. [4] [2] Choose Hiscox if you are an IT or technology firm in a served state; choose Gallagher if you want phone guidance to start a quote.
Where and How You Can Buy It
Hiscox says it is licensed to sell general liability online in 49 states and the District of Columbia, excluding Alaska, and routes buyers elsewhere to a broker. [4] Gallagher offers an online quote form plus a small-business advisor phone line and a scheduled callback option, without publishing a comparable state-by-state availability list. [2]
Coverage Add-Ons and Costs Covered
Hiscox adds an electronic-data-liability provision for IT and technology professions on top of its standard coverage. [4] Gallagher instead itemizes downstream defense costs its policy covers — court costs, settlements or judgments, judgment interest, and bond premiums — without a comparable technology-specific extension. [2]
What Should You Confirm in Gallagher and Hiscox General Liability Insurance Quotes?
- Ask Gallagher to name the specific carrier it is proposing, since Hiscox already discloses its underwriter. [2]
- If you operate in Alaska, ask Hiscox whether it can offer coverage there or whether you need a referral to a broker. [4]
- Ask whether electronic-data-liability coverage applies to your business, and how Gallagher's placed policy treats data-related claims by comparison. [4]
- Confirm whether judgment interest and bond premiums are included within Gallagher's defense-cost coverage or covered separately. [2]