---
title: "Chubb vs Gallagher: Business Owner’s Policy"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-gallagher/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-gallagher"
provider-a: "chubb"
provider-b: "gallagher"
coverage-line: "business-owners-policy"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-gallagher/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of Chubb and Gallagher for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Chubb versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs Gallagher for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Chubb or Gallagher?
- What does Chubb or Gallagher publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Chubb and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Chubb vs Gallagher](https://spot.insure/compare/chubb-vs-gallagher) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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 with add-ons like crime, data breach and EPLI, while Gallagher places a simpler BOP for rented spaces with a partner insurer and excludes employee injury, malpractice and data failures.

## Chubb vs Gallagher Business Owner’s Policy Summary

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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

## 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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

### 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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [4](https://www.chubb.com/us-en/claims.html "Claims") [5](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

### 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](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")

## 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](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")
- Ask Chubb whether damage to equipment you own is covered, since Gallagher's page excludes it. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")
- Check that your class and revenue, up to $30 million, qualify for Chubb. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Get limits from both; neither publishes them. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

## Chubb vs Gallagher Business Owner’s Policy Compared

| 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product page coverage overview; the issued policy and its exclusions control..)<br><br>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. [5](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business BOP product page..) |

## About Chubb and Gallagher and Business Owner’s Policy

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy)

## Related Pages for Chubb vs Gallagher Business Owner’s Policy

- [Chubb vs Gallagher](https://spot.insure/compare/chubb-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [Chubb Business Owner’s Policy](https://spot.insure/insurance-providers/chubb/business-owners-policy)
- [Gallagher Business Owner’s Policy](https://spot.insure/insurance-providers/gallagher/business-owners-policy)

## Sources for Chubb vs Gallagher Business Owner’s Policy

### Sources About Chubb

1. [Business Owner's Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM. Accessed 2026-09-23.
2. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses. Accessed 2026-09-23.
3. [Report a Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23.
4. [Claims](https://www.chubb.com/us-en/claims.html). Chubb; 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey. Accessed 2026-09-23.

### Sources About Gallagher

5. [Business Owners Policy](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/). Gallagher Small Business; Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now. Accessed 2026-09-23.
6. [Connect With an Advisor](https://www.gallaghersmallbusiness.com/connect-with-us/). Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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