---
title: "Chubb vs Gallagher Business Owner’s Policy"
description: "Chubb underwrites the BOP; Gallagher places a small-business BOP with partner carriers and lists several exclusions."
canonical: "https://spot.insure/compare/chubb-vs-gallagher/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Chubb vs Gallagher Business Owner’s Policy

Chubb underwrites the BOP; Gallagher places a small-business BOP with partner carriers and lists several exclusions.

## Research Scope and Use

Use this comparison to evaluate Chubb and Gallagher for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites its BOP and offers online quoting or placement through an appointed agent. Gallagher Small Business arranges a BOP with partner carriers, describing general liability plus coverage for a rented workspace, and lists employee injury, malpractice and failure to protect sensitive information as outside the package. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [12](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [8](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [10](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [11](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [14](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Who Writes the Policy

Chubb underwrites the Business Owner’s Policy. Gallagher Small Business arranges a BOP as a bundled package placed with one of its partner carriers and does not name the insurer on the product page. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [12](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

### Coverage Lists

Chubb lists optional enhancements including privacy and data breach, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime. Gallagher describes general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with property for a rented space and equipment inside it, and lists damage to owned equipment and rented property, employee injuries, malpractice, discrimination or fraud, intentional injury and failure to protect sensitive information as not covered. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [12](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

### Three Gallagher Intake Paths Versus Chubb’s Two

Gallagher offers an online quote form, a weekday advisor line at 1-833-292-9441, or a scheduled callback. Chubb lets you request a quote online or have an appointed independent agent apply for a Chubb Appointment. [13](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")

Chubb also reports 24/7 Small Commercial claims reporting. Gallagher’s BOP page does not publish a comparable claims-hours claim. [6](https://www.chubb.com/us-en/claims.html "Claims") [12](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

## What to Confirm in Business Owner’s Policy Quotes

- Ask Gallagher which partner carrier would issue the BOP. [12](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")
- Ask Chubb whether first-party equipment damage is in the property coverage, given Gallagher’s exclusion language on owned equipment. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [12](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")
- Confirm Chubb class and $30 million revenue eligibility. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Compare limits; both pages leave figures to the quote. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [12](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

## Offering Details

| Criteria | Chubb Business Owner's Policy (BOP) Insurance | Gallagher Small Business Owner’s Policy |
| --- | --- | --- |
| 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. [4](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. [12](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..) |
| Issuing Insurer | Not described in the reviewed sources. | The BOP product page does not name the insurer that would issue a given business's policy. [12](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Not publicly disclosed; scope: Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product..) |
| 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. [4](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. [12](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..) |
| 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. [4](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. [12](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. [12](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..) |
| Limits and Retentions | The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Not found in reviewed sources; scope: Chubb BOP product page as read on 2026-09-23..) | The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. [12](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Not publicly disclosed; scope: Checked the BOP product page on 2026-09-23..) |
| Risk Services | Chubb markets a 'Total Account Solution' that lets a BOP holder add umbrella, workers' compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM coverage from the same carrier. [4](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; each added line is underwritten and priced separately..) | Not described in the reviewed sources. |
| 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. [4](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. [12](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) |
| Claims Support | Chubb reports 24/7 claims reporting and a dedicated Small Commercial claims email address, and says 93% of policyholders with a paid claim from 2022-2025 were highly satisfied with their claim experience. [6](https://www.chubb.com/us-en/claims.html "Claims") [5](https://www.chubb.com/us-en/claims/report-claim.html "Report a Claim") (Evidence: Company-reported; scope: Claims and report-a-claim pages describe claims handling across Chubb's commercial book generally, not exclusively for BOP; the satisfaction figure is a company-reported survey result..) | Not described in the reviewed sources. |

## Full Comparison

- [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 owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Chubb vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-gallagher/commercial-auto)
- [Chubb vs Gallagher Commercial Property Insurance](https://spot.insure/compare/chubb-vs-gallagher/commercial-property)
- [Chubb vs Gallagher Crime Insurance](https://spot.insure/compare/chubb-vs-gallagher/crime)
- [Chubb vs Gallagher Cyber Insurance](https://spot.insure/compare/chubb-vs-gallagher/cyber)
- [Chubb vs Gallagher D&O Insurance](https://spot.insure/compare/chubb-vs-gallagher/directors-officers)
- [Chubb vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/employment-practices)
- [Chubb vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/fiduciary)
- [Chubb vs Gallagher General Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/general-liability)
- [Chubb vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-gallagher/kidnap-ransom)
- [Chubb vs Gallagher Product Recall Insurance](https://spot.insure/compare/chubb-vs-gallagher/product-recall)
- [Chubb vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-gallagher/professional-errors-omissions)
- [Chubb vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-gallagher/representations-warranties)
- [Chubb vs Gallagher Surety Bonds](https://spot.insure/compare/chubb-vs-gallagher/surety-bonds)
- [Chubb vs Gallagher Tech E&O Insurance](https://spot.insure/compare/chubb-vs-gallagher/technology-errors-omissions)
- [Chubb vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/umbrella-excess)
- [Chubb vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-gallagher/workers-compensation)
- [Alliance Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-chubb/business-owners-policy)
- [Alliance Risk vs Gallagher Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-gallagher/business-owners-policy)
- [Amelia Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-chubb/business-owners-policy)
- [Amelia Risk vs Gallagher Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-gallagher/business-owners-policy)
- [Chubb vs Corgi Business Owner’s Policy](https://spot.insure/compare/chubb-vs-corgi/business-owners-policy)
- [Chubb vs Coterie Insurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-coterie/business-owners-policy)

## Sources

### Chubb

1. [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.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [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.
5. [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.
6. [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.

### Gallagher

7. [Technology Insurance](https://www.ajg.com/industries/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.
8. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
9. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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.
10. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
11. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
12. [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.
13. [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.

### Business Owner’s Policy Guide

14. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. 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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