---
title: "Counterpart vs Gallagher: General Liability Insurance"
description: "Gallagher offers partner-carrier GL with online and advisor quote access; Counterpart documents companion coverage for selected professionals."
canonical: "https://spot.insure/compare/counterpart-vs-gallagher/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "counterpart-vs-gallagher"
provider-a: "counterpart"
provider-b: "gallagher"
coverage-line: "general-liability"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/counterpart-vs-gallagher/general-liability)

## Agent Guide

**What this page is:** Focused comparison of Counterpart and Gallagher for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for General Liability Insurance questions about Counterpart versus Gallagher. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Counterpart vs Gallagher for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, Counterpart or Gallagher?
- What does Counterpart or Gallagher publish about General Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for General Liability Insurance from Counterpart or Gallagher?

**Key facts:**
- Line: General Liability Insurance. Providers: Counterpart and Gallagher.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Counterpart vs Gallagher](https://spot.insure/compare/counterpart-vs-gallagher) — parent: all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [Counterpart vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart General Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher General Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Gallagher General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Gallagher General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)

# Counterpart vs Gallagher: How Do They Compare for General Liability Insurance?

Gallagher offers partner-carrier GL with online and advisor quote access; Counterpart documents companion coverage for selected professionals.

## Research Scope and Use

Use this comparison to evaluate Counterpart and Gallagher for General Liability Insurance 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

Gallagher describes covered claim expenses and multiple quote routes; Counterpart describes professional-class companion GL with separate limits. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [11](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability")

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [6](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [10](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 General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [12](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in General Liability Insurance

### What the Published Scope Emphasizes

Gallagher arranges GL through partner carriers and lists investigation, defense, court costs, settlements, judgments and third-party medical expenses. Counterpart describes companion GL for selected miscellaneous professional firms and lawyers, with separate line limits. A broad small-business buyer can ask Gallagher which carrier would issue the policy; a professional practice should check Counterpart’s class fit and how its two policies divide operational and service-related claims. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [11](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability")

### Placement, Limits, and Service Details

Gallagher offers an online quote, advisor phone support and a callback option, while Counterpart distributes through wholesale brokers. Both require a buyer-specific proposal to establish terms. Ask Gallagher for its insurer, deductible, limits and defense-cost treatment; ask Counterpart for available class-specific schedules. Compare claims contacts and contract certificate wording along with the policy limits. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [11](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability")

## What to Confirm in General Liability Insurance Quotes

- Which Gallagher partner carrier, limits and defense provisions apply to your operations? [11](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability")
- What Counterpart companion classes and separate GL limits can the broker offer? [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability")

## Offering Details

| Criteria | General Liability accompanying Professional Liability | Gallagher Small Business General Liability Insurance |
| --- | --- | --- |
| Role in This Line | Counterpart describes its insurance as distributed by a producer and surplus-lines broker through wholesale brokers. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: This is the program channel, not evidence Counterpart itself bears insured liability..) | Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself. [11](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business general liability product page..) |
| Issuing Insurer | Confirm in your quote. | The general liability product page does not name the insurer that would issue a given business's policy. [11](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Not publicly disclosed; scope: Checked the general liability product page on 2026-09-23..) |
| Who It’s For | The cited pages describe separate GL companion arrangements for miscellaneous professional firms and law firms. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: The class scope on these product pages does not establish availability to other businesses or in every state..) | Confirm in your quote. |
| Coverage Features | Counterpart says Miscellaneous Professional Liability can be bought alone or packaged with General Liability; its lawyers product also describes GL alongside professional coverage. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: The official descriptions scope GL to these professional-liability product contexts and do not establish broad standalone commercial general liability for all businesses..) | Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. [11](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Company-reported; scope: Product page coverage overview; the issued policy and its exclusions control..)<br><br>Gallagher lists covered expense types including claim investigation and defense costs, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for any bonds a liability suit requires. [11](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Company-reported; scope: Product page expense list; the issued policy and its exclusions control..) |
| Limits and Retentions | Counterpart’s MPL page says its coverage types have separate limits and allows brokers to quote multiple limit and retention options. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") (Evidence: Company-reported; scope: This page statement applies to the marketed MPL/GL structure; confirm the declarations and any shared aggregates in the issued policy..) | The general liability product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. [11](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Not publicly disclosed; scope: Checked the general liability product page on 2026-09-23..) |
| How to Apply | Confirm in your quote. | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a general liability quote. [11](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) |

## Full Comparison

- [Counterpart vs Gallagher](https://spot.insure/compare/counterpart-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [Counterpart vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-gallagher/employment-practices)
- [Counterpart vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-gallagher/fiduciary)
- [AIG vs Counterpart General Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/general-liability)
- [AIG vs Gallagher General Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/general-liability)
- [Alliance Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/general-liability)
- [Alliance Risk vs Gallagher General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/general-liability)
- [Amelia Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/general-liability)
- [Amelia Risk vs Gallagher General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/general-liability)

## Sources

### Counterpart

1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
3. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms.. Accessed 2026-09-30.
4. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific.. Accessed 2026-09-30.
5. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Gallagher

6. [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.
7. [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.
8. [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.
9. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
10. [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.
11. [General Liability](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/). Gallagher Small Business; Coverage Overview; claim-cause examples (product-related injury, operations-related damage, libel/slander allegations); typical covered expenses list; Get Covered Now. Accessed 2026-09-23.

### General Liability Insurance Guide

12. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.
14. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Counterpart Reviews

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Gallagher Reviews

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

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

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/gallagher/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/counterpart-vs-gallagher/general-liability.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)