Armilla vs Gallagher: How Do They Compare for Business Insurance?

Companies needing AI liability or model assessments can consider Armilla; businesses coordinating technology insurance with executive risk and governance can approach Gallagher.

An Overview of Armilla and Gallagher

An AI company raising capital may need both model-specific protection and executive-risk advice: Armilla markets AI liability, assessment and warranty products, while Gallagher lists technology brokerage and executive-risk services. ² ¹⁰ ¹¹ Choose Armilla if AI model liability or a performance warranty is the gap; choose Gallagher if technology coverage and executive-risk planning need coordination.

What Stands Out About Armilla and Gallagher?

Armilla at a Glance

AI developers can insure liability tied to model or agent failures. ³Company-reportedDirect product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.
Begin with an AI risk assessment; confirm deliverables and any monitoring or retesting in the proposal. ²Company-reportedInitial assessment described on the AI insurance page; reviewed evidence does not establish specific assessment deliverables, monitoring or retesting terms.

Gallagher at a Glance

Technology specialists work with companies from startup through global enterprise. ^10,¹⁵Company-reportedUS marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.
Get executive-risk and transaction support for needs such as IPOs and M&A. ¹¹Company-reportedUS executive and financial risk practice; terms and client eligibility require placement-specific confirmation.

Armilla vs Gallagher Coverage Lines Compared

Coverage	Armilla	Gallagher
Builders risk	Not listed	Listed ¹⁹Gallagher arranges builders risk.
Business owner’s policy	Not listed	Listed ¹⁴Gallagher arranges business owner’s policies for small businesses.
Commercial auto	Not listed	Listed ¹⁴Gallagher arranges commercial auto insurance for small businesses.
Commercial property	Not listed	Listed ¹⁴Gallagher arranges commercial property insurance for small businesses.
Crime	Not listed	Listed ¹¹Gallagher arranges crime insurance.
Cyber liability	Not listed	Listed ¹⁰Gallagher arranges cyber insurance.
Directors and officers	Not listed	Listed ¹¹Gallagher arranges directors and officers liability.
Employee health and benefits	Not listed	Listed Gallagher advises small businesses on individual coverage health reimbursement arrangements (ICHRA).
Employment practices liability	Not listed	Listed ¹¹Gallagher arranges employment practices liability.
Equipment breakdown	Not listed	Listed ¹⁹Gallagher arranges boiler and machinery coverage through its property practice.
Fidelity bonds	Not listed	Listed ¹¹Gallagher arranges fidelity bonds.
Fiduciary liability	Not listed	Listed ¹¹Gallagher arranges fiduciary liability.
General liability	Not listed	Listed ¹⁴Gallagher arranges general liability insurance for small businesses.
Generative AI liability	Listed ³Armilla markets standalone AI liability insurance as a managing general agent.	Not listed
Intellectual property	Not listed	Listed ¹⁰Gallagher arranges intellectual-property insurance.
Kidnap and ransom	Not listed	Listed ¹¹Gallagher arranges kidnap and ransom insurance.
Product liability	Not listed	Listed ¹⁰Gallagher arranges product liability insurance.
Product recall	Not listed	Listed ²⁰Gallagher arranges product-recall insurance.
Professional errors and omissions (E&O)	Not listed	Listed ¹⁴Gallagher arranges professional errors and omissions insurance for small businesses.
Representations and warranties	Not listed	Listed ¹¹Gallagher arranges representations and warranties insurance.
Surety bonds	Not listed	Listed ¹⁵Gallagher arranges surety bonds.
Technology errors and omissions (E&O)	Not listed	Listed ¹⁰Gallagher arranges technology errors and omissions insurance for technology businesses.
Umbrella and excess liability	Not listed	Listed ¹⁸Gallagher arranges umbrella and excess liability.
Workers’ compensation	Not listed	Listed ¹⁴Gallagher arranges workers’ compensation insurance for small businesses.

A listing may be arranged through an insurer or partner. “Not listed” means we have no separate offering page for it; ask the provider whether it can quote the coverage and request the policy terms.

Armilla and Gallagher Reliability Scores

Each score uses the criteria for that provider’s role. Providers with more than one role may have a score for each.

Armilla Reliability Scores

Managing general agent

Carrier & MGA

5.2/ 10

Reliability Score details

Gallagher Reliability Scores

Broker

No Reliability Score

Reliability Score details

Armilla and Gallagher Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for its sources, what it covers and how the score is calculated.

Armilla Review Score

-/ 10

Review Score

No reviews found

Armilla has no customer ratings on the review sites we checked, so there's no Review Score yet. Armilla sells AI insurance, a small niche, so you'll want to ask for references.

Read Armilla reviews

Gallagher Review Score

9.3/ 10

Review Score

3 rated sources

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

Read Gallagher reviews

Key Differences Between Armilla and Gallagher

Financing Risk and Model Risk Need Different Reviews

Gallagher’s technology offering includes technology E&O, cyber, intellectual-property and management-related insurance; its executive-risk practice discusses IPO and transaction needs. Armilla says buyers begin with an AI risk assessment before it customizes an insurance or warranty proposal; specific assessment deliverables, monitoring and retesting terms need confirmation. A finance team can use those different reviews to distinguish allegations against directors from liabilities arising out of an AI product, rather than assuming one policy answers both. ¹⁰ ¹¹ ²

Gallagher also advertises AI-related services, but the reviewed public documentation does not establish a standalone AI insurance product from that advisory page. Ask the broker to identify any actual proposed form. Armilla explicitly distinguishes its AI insurance from a performance warranty, which should remain a separate contract in the review. ²¹ ²

Former Woodruff Sawyer Is a Continuity Question

Woodruff Sawyer is now part of Gallagher. Its former name and continuing client tools belong in the history and servicing discussion, not in an additional competing-provider column. A legacy client should confirm which team, legal producer and portal now handle its account before adding a new specialist placement. ⁹ ¹³

Gallagher’s technology tools and legacy portals address brokerage workflows. Armilla’s initial AI risk assessment and tailored proposal address a different step in the process; specific deliverables and any retesting terms need confirmation. Assign ownership for keeping the broker’s exposure information and the specialist’s model information consistent as the business changes. ¹⁰ ⁹ ²

Program Coordination Does Not Identify the Insurer

Gallagher’s broker disclosures describe access and compensation arrangements involving multiple markets; the broker’s name is not the policy issuer. Armilla likewise describes an MGA role and insurance backing rather than acting as the risk bearer itself. Request a placement diagram and itemized charges if both participate, including who earns commission and who charges for advisory or assessment work. ¹² ¹³ ³ ⁶ ⁷

What Should You Confirm in Armilla and Gallagher Quotes?

Map AI product claims, director allegations and performance commitments to their separate proposed contracts. ¹¹ ²
Confirm the current Gallagher producer and service team, including any former Woodruff Sawyer account arrangements. ⁹ ¹³
Obtain California eligibility, actual insurers, total compensation and a renewal plan that accounts for model changes and financing events. ¹³ ¹² ¹ ²

Armilla vs Gallagher Services Compared

What each provider says about the services you may need

Criteria	Armilla	Gallagher
Business role	Armilla offers AI insurance, performance warranties and model assessments, but the insurer—not the brand—takes on policy risk. Armilla describes its insurance operation as an MGA and Armilla Insurance Services as a Lloyd’s coverholder. ^3,^1,⁶Company-reportedCompany descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified. The reviewed corporate record identifies Armilla Insurance Services Inc. but does not establish California insurance authority; verify the licensed producer on your quote. Florida’s registry lists the company as a Delaware corporation. ⁸VerifiedExact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.	Startups through global companies can use Gallagher for business insurance, risk-management and benefits consulting, including a dedicated technology practice. ^10,¹¹Company-reportedUS commercial brokerage and technology practice; company descriptions, not an underwriting designation. Former Woodruff Sawyer clients can continue to access legacy client portals through Gallagher after the transition. ⁹Company-reportedFormer-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name. Confirm the entity on your engagement: Gallagher Small Business names Arthur J. Gallagher Risk Management Services, LLC, while former Woodruff Sawyer accounts should check their own documents. ^13,⁹Company-reportedEntity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.
Application process	Expect an AI risk assessment before Armilla proposes insurance or a warranty; its site directs buyers to contact the team, and coverage requires written confirmation and completed underwriting. ^2,¹Company-reportedPublished process, not a submitted application, quote, binding test or promised turnaround.	You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. ^16,¹⁷Company-reportedPublic form inspected without submission; no quote, account creation or actual purchase tested.
Servicing and renewals	Armilla says buyers begin with an AI risk assessment before it customizes an insurance or warranty proposal. Confirm the assessment deliverables, monitoring and retesting terms in the proposal. ²Company-reportedInitial assessment described on the AI insurance page; reviewed evidence does not establish specific assessment deliverables, monitoring or retesting terms. Price monitoring and retesting separately unless the proposal includes them: reviewed pages do not explain insurance renewal or whether ongoing model monitoring is included in premium. ^5,²Not publicly disclosedLimited to public product and assessment pages reviewed September 16, 2026.	Ask which Gallagher tools your engagement includes: Go supports client self-service, Submit tracks submissions and documents, and Verify manages certificates. ¹⁰Company-reportedCompany-described technology-practice tools; no logged-in testing or universal account entitlement. Former Woodruff Sawyer clients can use separate portals for benefits, policies, claims, certificates and auto ID cards; confirm which login serves your account. ⁹Company-reportedTransition-page descriptions; no portal functionality tested. Gallagher describes pre-renewal meetings across finance, HR, operations and risk teams, plus contract review and coverage-gap analysis; agree on the timeline and deliverables for your account. ¹⁸Company-reportedCasualty-practice service description, not a promise for all small-business engagements.
Fees and compensation	Request an itemized premium, assessment price and broker or policy charges: Armilla advertises broker commissions without rates and its general terms permit service fees without an insurance-specific schedule. ^6,⁷Company-reportedPublic broker compensation and generic website fees, not a policy-specific compensation disclosure. Company-reported commission model; amounts unresolved.	Request placement-specific compensation because Gallagher may receive commissions, fees, contingent and supplemental commissions or affiliate/intermediary payments; no startup fee schedule is published. ¹²Company-reportedUS compensation disclosure; no fee-free or uniform commission assumption.

Sources for Armilla vs Gallagher

Armilla Official Website

1
Armilla: AI Insurance. Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16.
2
AI Insurance – Lloyd’s Coverholder | Armilla AI. Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16.
3
Armilla AI Insurance Brief. Armilla; Introduction identifying the MGA; Tailored Protection for AI Pioneers: standalone AI liability and Sample Coverage Areas; Industry Protection; footer on surplus-lines placement and Lloyd’s underwriting. Accessed 2026-09-16.
4
AI Performance Warranty Brief. Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16.
5
Armilla Assessments: AI Verification & Red-Teaming. Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16.
6
Armilla for Brokers: Specialized AI Coverage. Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16.
7
Armilla Terms of Service. Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16.
8
Detail by Entity Name: ARMILLA INSURANCE SERVICES INC. Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598. Accessed 2026-09-16.

Gallagher Official Website

9
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
10
Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
11
Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
12
Compensation Disclosure. Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
13
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
14
The Right Insurance for Your Small Business. Gallagher Small Business; Choose Your Coverage: Business Owner’s Policy, General Liability, Professional Liability/Errors and Omissions, Buildings and Property, Auto, Workers’ Comp; carrier network placement; contact route. Accessed 2026-09-16.
15
Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
16
Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
17
Contact Us. Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
18
Casualty Insurance. Gallagher; Holistic approach: Automobile, Workers Compensation, General and Product, Umbrella and Excess; customized excess casualty program design and placement; Robust casualty risk analysis. Accessed 2026-09-16.
19
Property Insurance. Gallagher; Introduction on building property programs with underwriters; Our services include: Builder’s risk, Boiler and machinery; global reach; Appraisal services. Accessed 2026-09-16.
20
Product Recall Insurance. Gallagher; Product Recall team paragraph: custom Product Recall, Product Contamination and Restaurant Contamination insurance, working directly with carriers; Product recall insurance coverage. Accessed 2026-09-16.
21
AI Insurance Solutions. Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.

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