What Are the Key Differences Between Gallagher and HUB International General Liability Insurance?
Online and Phone Quote Access Versus Broker Contact
Gallagher offers a quote form, advisor phone line, and scheduled callback; HUB asks you to contact a broker and says the appropriate limit depends on your business type and location. [2] [3] Choose Gallagher if you want an online form or callback; choose HUB if you need a broker to help set limits for your business and location.
How Each Describes What Triggers a Claim
HUB lists specific claim scenarios its placed policies typically respond to — bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence, property damage caused by employees, and advertising injury such as slander. [3] Gallagher instead itemizes the downstream costs its coverage pays for — court costs, settlements or judgments, judgment interest, and bond premiums — rather than HUB's scenario-based examples. [2]
What Neither Discloses
Neither reviewed page names an insurer for general liability. [2] [3] Both also decline to publish limits or premiums, pointing buyers to a quote instead.
What Should You Confirm in Gallagher and HUB International General Liability Insurance Quotes?
- Ask HUB directly which insurer it intends to place your coverage with, since its product page does not name one. [3]
- Ask Gallagher the same, and confirm any AM Best rating for the carrier it proposes. [2]
- Walk through HUB's listed claim scenarios against your own exposures to see which apply. [3]
- Confirm whether judgment interest and bond premiums fall inside or outside Gallagher's policy limit. [2]