Chubb vs Gallagher: How Do They Compare for Business Owner’s Policy?

Chubb underwrites its BOP directly, with optional privacy, employment practices and equipment breakdown cover; Gallagher Small Business arranges a BOP placed with partner carriers, started by online form, advisor call or callback.

Chubb writes its own BOP and lets you add crime, data-breach and EPLI cover. Gallagher places a leaner BOP for rented spaces with an unnamed partner insurer, and its page lists employee injuries, malpractice and data-protection failures as not covered. ^1,⁵

What Are the Key Differences Between Chubb and Gallagher Business Owner’s Policy?

How Much the Package Can Grow

Chubb's BOP is a base you can build on: privacy and data breach, employment practices liability, equipment breakdown, water backup, crime and foreign liability with kidnap and ransom. Gallagher's package is general liability plus property for a rented space and the equipment in it, and it states that damage to your own equipment, employee injuries, malpractice, discrimination, intentional injury and failure to protect sensitive data aren't covered. Choose Chubb if you hold customer data or want crime and EPLI in one policy; choose Gallagher if you rent a small space and want a broker to handle a basic package. ¹ ⁵

Who Pays Your Claim

Chubb is the insurer, and it reports round-the-clock claim reporting for small commercial policies. Gallagher places your BOP with one of its partner carriers and doesn't name it, and its BOP page gives no claims hours. ¹ ⁴ ⁵

Reaching a Person

Gallagher gives you more ways in: an online form, a weekday advisor line at 1-833-292-9441, or a scheduled callback. Chubb takes an online quote request or works through an appointed independent agent. ⁶ ¹

What Should You Confirm in Chubb and Gallagher Business Owner’s Policy Quotes?

Ask Gallagher which partner carrier issues the policy and how you report a claim. ⁵
Ask Chubb whether damage to equipment you own is covered, since Gallagher's page excludes it. ¹ ⁵
Check that your class and revenue, up to $30 million, qualify for Chubb. ¹
Get limits from both; neither publishes them. ¹ ⁵

Chubb vs Gallagher Business Owner’s Policy Compared

Chubb vs Gallagher: Business Owner’s Policy: documented features by provider

Criteria	Chubb Business Owner's Policy (BOP) Insurance	Gallagher Small Business Owner’s Policy
Who It’s For	Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. ¹Company-reported. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting.	Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. ⁵Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting.
How to Apply	You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. ¹Company-reported. Chubb BOP product page call-to-action sections for business owners and for agents and brokers.	Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. ⁵Company-reported. Product page "Get Covered Now" section.
Coverage Features	Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. ¹Company-reported. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state.	Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. ⁵Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. ⁵Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.
Role in This Line	Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. ¹Company-reported. Chubb BOP product page; describes Chubb's own packaged small-business offering.	Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. ⁵Company-reported. Gallagher Small Business's direct-to-small-business BOP product page.