Embroker vs 
Gallagher Business Owner’s Policy
Embroker quotes a BOP online for firms under 100 employees and $10 million revenue; Gallagher places a partner-carrier BOP and lists what the bundle does not cover.
What Is Embroker?
Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. 1,2,3
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. 5,6,7,8,9
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 12
Key Differences in Business Owner’s Policy
Platform Quote Versus Advisor Channels
Embroker offers an online quote for BOP coverage through its digital platform. Gallagher Small Business starts a quote with an online form, a phone line (1-833-292-9441, weekdays 8 a.m. to 5 p.m. continental U.S.) or a scheduled callback, and places the policy with a partner carrier. 4 10
Numeric Screens Versus a Broad Candidate List
Embroker targets fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. Gallagher says almost every small business that owns or rents workspace, holds customer data, employs staff or owns equipment such as computers and furniture is a candidate, without those numeric caps. 4 10
Two Different Not-Covered Lists
Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities, employment-related claims or criminal activity, and that workers’ compensation and commercial auto usually sit on separate policies. Gallagher lists damage to own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information. Gallagher’s GL-plus-rented-space description also does not separately label business interruption the way Embroker’s three-part bundle does. 4 10
What to Confirm in Business Owner’s Policy Quotes
- Check Embroker’s 100-employee and $10 million screens against Gallagher partner appetite, including home-office locations. 4 10
- Align the two not-covered lists, especially own-property damage (Gallagher) versus cyber and EPL (Embroker). 10 4
- Ask whether interruption of operations is on Gallagher’s placed form. 10 4
- Get writing companies, limits and which endorsements (Embroker lists professional liability, EPL and property add-ons) will attach. 4 10
Offering Details
Embroker vs Gallagher Business Owner’s Policy: documented features by provider
| Criteria | Embroker Business Owners Policy | Gallagher Small Business Owner’s Policy |
|---|---|---|
| Role in This Line | Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. 4Company-reported. Product-page description of the bundle; not a statement about the issuing insurer. | 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. 10Company-reported. 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. 10Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product. |
| Who It’s For | Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. 4Company-reported. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all. | 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. 10Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting. |
| Coverage Features | The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. 4Company-reported. Product-page coverage summary; the issued policy and declarations control. Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. 4Company-reported. Product-page What's not included and FAQ sections. Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. 4Company-reported. FAQ section; specific endorsement availability depends on underwriting. | 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. 10Company-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. 10Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued. |
| Limits and Retentions | Not described in the reviewed sources. | The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. 10Not publicly disclosed. Checked the BOP product page on 2026-09-23. |
| Risk Services | The reviewed BOP page does not describe line-specific risk-control or loss-prevention services beyond general references to the Embroker Resource Hub and chat support. 4Not found in reviewed sources. Product page as read on 2026-09-23; broader broker-wide services may exist elsewhere. | Not described in the reviewed sources. |
| How to Apply | Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. 4Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research. | 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. 10Company-reported. Product page "Get Covered Now" section. |
Full Comparison
More Embroker vs Gallagher Comparisons
Other Business Owner’s Policy Comparisons
Sources
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Business Owners Policy. Embroker; Why it's essential; Who needs this coverage; What is a Business Owners Policy?; What's covered; What's not included; FAQ: Are there additional coverages available with BOP insurance?; Who benefits most from BOP insurance? Accessed 2026-09-23.
Gallagher
- 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.
- 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.
- 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.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- 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.
- Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
Business Owner’s Policy Guide
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
