---
title: "Gallagher vs Hiscox"
description: "Gallagher, which now includes Woodruff Sawyer, is a brokerage with technology, executive-risk and small-business practices. Hiscox sells Hiscox Insurance Company Inc. small-business policies online. Compare appointing a broker with buying carrier-direct coverage."
canonical: "https://spot.insure/compare/gallagher-vs-hiscox"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Gallagher", "Hiscox"]
---

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

# Gallagher vs Hiscox

Gallagher, which now includes Woodruff Sawyer, is a brokerage with technology, executive-risk and small-business practices. Hiscox sells Hiscox Insurance Company Inc. small-business policies online. Compare appointing a broker with buying carrier-direct coverage.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Hiscox against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Arthur J. Gallagher Risk Management Services, LLC arranges business insurance across technology, executive-risk and small-business practices. Woodruff Sawyer is now part of Gallagher, and Gallagher still links legacy Woodruff Sawyer client portals. Hiscox Insurance Company Inc. underwrites the general liability, professional liability, cyber and business owner’s policy products quoted online through Hiscox. Gallagher places insurance with insurers; it is not Hiscox Insurance Company Inc. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [29](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [17](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance")



## Introduction

A company that previously worked with Woodruff Sawyer now sees Gallagher’s transition pages, including links to WS Connect and Woodruff360 for some clients. That is a brokerage relationship. Hiscox sells small-business policies underwritten by Hiscox Insurance Company Inc. directly to eligible buyers. Gallagher’s technology practice lists technology errors and omissions combined with cyber, intellectual property insurance, directors and officers liability and other lines. Hiscox lists general liability, professional liability, cyber and a business owner’s policy for online quoting. Gallagher’s technology and small-business pages do not state a minimum premium or funding-round requirement to engage the team. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [29](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote")

## Documented Provider Strengths

### Gallagher

- Technology specialists for startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.)
- Executive-risk and transaction support, including IPOs and M&A. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.)

### Hiscox

- Hiscox Inc., a Delaware producer, handles online small-business sales; Hiscox Insurance Company Inc. is the affiliated admitted insurer named for Hiscox NOW products. [18](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [17](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Legal roles stated in current terms (last modified May 28, 2024) and the About Hiscox US page. Exact contracting entity still depends on product, channel and policy.; verified: 2026-09-16.)
- Eligible applicants can quote Hiscox general liability, professional liability/E&O, cyber and a business owner’s policy online. [29](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [20](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [21](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [22](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [23](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [15](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Gallagher | Hiscox |
| --- | --- | --- |
| Builders risk | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed |
| Business owner’s policy | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [23](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") |
| Commercial auto | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [25](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") |
| Commercial property | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed |
| Crime | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Cyber liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [22](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [15](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") |
| Directors and officers | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Employee health and benefits | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Employment practices liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Equipment breakdown | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed |
| Fidelity bonds | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Fiduciary liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| General liability | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [20](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") |
| Intellectual property | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Kidnap and ransom | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Medical malpractice | Not listed | Listed [26](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") |
| Product liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Product recall | Listed [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") | Not listed |
| Professional liability / E&O | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [21](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [15](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") |
| Representations and warranties | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Surety bonds | Listed [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") | Not listed |
| Technology errors and omissions | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Umbrella and excess liability | Listed [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") | Not listed |
| Workers’ compensation | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [24](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Gallagher and Hiscox

### Woodruff Sawyer Inside Gallagher Versus Hiscox as Insurer

Woodruff Sawyer is now part of Gallagher. Gallagher Small Business identifies Arthur J. Gallagher Risk Management Services, LLC as the brokerage provider. Hiscox Insurance Company Inc. underwrites Hiscox products offered online. Former Woodruff Sawyer clients may still use legacy portals while new small-business inquiries go through Gallagher advisor forms. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [37](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile "Hiscox Insurance Company Inc. Company Profile")

### Practice Split: Technology, Executive, Small Business

Gallagher markets a technology-specialist practice and a small-business catalogue that includes a business owner’s policy, general liability, professional errors and omissions, property, auto and workers compensation. Its executive-risk practice lists directors and officers, employment practices, fiduciary, crime, kidnap and ransom, and merger-and-acquisition-related products. Hiscox’s online product list is general liability, professional liability, cyber and a business owner’s policy; it does not publish those executive-risk or intellectual-property product names on the same quote path. Gallagher’s AI insurance page discusses emerging exposures and does not describe a standalone generative-AI policy on that page. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [29](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote")

### Inquiry Form Versus Zip-Code Quote

Gallagher’s small-business quote link opens an advisor inquiry. Hiscox starts with zip code online. Gallagher describes Go, Submit and Verify tools for client information, submissions and certificates. [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [29](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote")

## What to Confirm in Quotes

- **Whether you are a legacy Woodruff Sawyer account** and which portal applies. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

- **Named insurers** on Gallagher proposals versus Hiscox Insurance Company Inc. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

- **Practice team** (small-business versus technology versus executive risk). [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses")



## Service Comparison

Gallagher vs Hiscox: documented services and availability.

| Criteria | Gallagher | Hiscox |
| --- | --- | --- |
| Business role | Gallagher arranges business insurance and provides risk-management and employee-benefits consulting. Its technology practice serves startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US commercial brokerage and technology practice; company descriptions, not an underwriting designation.; verified: 2026-09-16.)<br><br>Woodruff Sawyer is now part of Gallagher. Gallagher’s transition page retains access to Woodruff Sawyer client portals. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name.; verified: 2026-09-16.)<br><br>Gallagher Small Business identifies Arthur J. Gallagher Risk Management Services, LLC as its insurance-brokerage service provider. The exact producer for a former Woodruff Sawyer account should be confirmed in the engagement documents. [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.; verified: 2026-09-16.) | Hiscox is the brand name used by its U.S. insurance businesses. Website terms identify Hiscox Inc., a Delaware corporation headquartered in Atlanta, as a licensed insurance intermediary for admitted and surplus-lines business. About Hiscox US names Hiscox Insurance Company Inc. (NAIC 10200) as the affiliated insurer and Hiscox Inc. as its general agent. Broker-only pages are restricted to licensed market professionals; the small-business section is the consumer product path. [18](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [17](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Legal roles stated in current terms (last modified May 28, 2024) and the About Hiscox US page. Exact contracting entity still depends on product, channel and policy.; verified: 2026-09-16.)<br><br>In California, Hiscox Inc. says it does business as Hiscox Insurance Agency and publishes producer license number 0F09668. Its current producer-license status remains independently unverified; the number is company-reported. [19](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [36](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [24](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [18](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") (Evidence: Company-reported; scope: California producer identity as published on Hiscox pages accessed 16 September 2026. Not a substitute for a live CDI Check a License search at purchase.; verified: 2026-09-16.) |
| Coverage lines | Gallagher’s technology offering lists technology errors and omissions combined with cyber liability, intellectual property insurance, D&O, product liability and business interruption, plus employee-benefits services. These are marketed options, not a guaranteed package. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: US technology service catalogue; no insurer, limits or California-specific wording established.; verified: 2026-09-16.)<br><br>Its executive-risk practice lists D&O, employment practices liability, fiduciary liability, crime, fidelity bonds, kidnap/ransom, and M&A representations and warranties insurance, with support for IPOs and direct listings. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.)<br><br>The small-business catalogue includes a business owner’s policy, general liability, professional E&O, commercial property, auto, workers’ compensation, D&O, cyber, crime, employee benefits, flood and earthquake. The IT-business page also lists surety bonds. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US direct offering menus; flood and earthquake lack dedicated shared schema keys; no universal availability inferred.; verified: 2026-09-16.)<br><br>Gallagher also markets umbrella/excess liability through its casualty practice, builders risk and boiler-and-machinery coverage through its property practice, and separately negotiated product recall coverage. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: US direct service pages; boiler and machinery mapped to equipment-breakdown; product recall is separately sourced, not inferred from product liability.; verified: 2026-09-16.)<br><br>The reviewed AI Insurance Solutions page discusses AI adoption, governance and emerging exposures, but does not establish a standalone generative-AI liability policy or its California availability. [13](https://www.ajg.com/insurance/ai-insurance-solutions/ "AI Insurance Solutions") (Evidence: Not found in reviewed sources; scope: Main US AI service page text; embedded third-party interactive experience was not inspected.; verified: 2026-09-16.) | Hiscox directly markets and offers online quotes for general liability, professional liability (errors and omissions), cyber security insurance and a business owner’s policy that combines general liability with commercial property. IT pages present those same lines for technology consultants rather than a separately named technology E&O policy. Website examples and coverage lists are illustrative; the issued policy controls. [29](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [20](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [21](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [22](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [23](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [15](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.; verified: 2026-09-16.)<br><br>Hired/non-owned auto and commercial crime are described as upgrades to a Hiscox business owner’s policy, not standalone Hiscox policies. Crime is not sold separately and is not available in all states. HNOA is tied to the BOP occurrence limit and does not replace commercial auto for vehicles the business owns or regularly operates. [33](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [34](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") [23](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: Current HNOA and commercial-crime product pages. Availability by state and class was not independently matrixed beyond those pages and the 2026 appetite guide.; verified: 2026-09-16.)<br><br>Hiscox also markets partner coverage for workers’ compensation (Hartford Fire, generally requiring a Hiscox general-liability policy), commercial auto (GEICO referral and, separately, CyberPolicy), medical malpractice (NOW Insurance), short-term liability (Thimble/Markel), and CyberPolicy quotes for umbrella, directors and officers, and employment practices liability. Those pages are partner access paths, not proof that Hiscox Insurance Company Inc. issues the policy. [24](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [25](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [26](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [27](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [28](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [39](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") (Evidence: Company-reported; scope: Current partner product pages. Broker-channel Hiscox C-Suite management liability is a different offering from the CyberPolicy D&O/EPLI links.; verified: 2026-09-16.) |
| Application process | The small-business quote link opens an advisor inquiry form asking for company and contact details, business description, coverage interests, employee count and annual revenue. Telephone and scheduled-advisor contact are also offered. This observed entry point does not establish instant binding or a turnaround time. [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [9](https://www.gallaghersmallbusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Public form inspected without submission; no quote, account creation or actual purchase tested.; verified: 2026-09-16.) | Hiscox says eligible buyers can get a small-business quote online by entering a zip code and answering questions, and that general liability, professional liability, cyber and BOP are offered online. Licensed advisors are available by phone at posted Eastern Time hours. The general-liability FAQ says that after the application is completed, the policy is issued by email and a certificate appears in welcome documents. These are company-described steps; eligibility and binding conditions require confirmation on the actual application. [29](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [20](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [14](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") (Evidence: Company-reported; scope: Public quote-page and product-FAQ statements accessed 16 September 2026. Instant-coverage marketing is not a tested bind. Partner products use separate quote sites.; verified: 2026-09-16.) |
| Fees and compensation | Gallagher discloses brokerage commissions or fees, sometimes both, as well as possible contingent and supplemental commissions. Affiliates or other intermediaries may also earn compensation. It directs clients to their representative for placement-specific details; the disclosure provides no startup fee schedule. [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") (Evidence: Company-reported; scope: US compensation disclosure; no fee-free or uniform commission assumption.; verified: 2026-09-16.) | Hiscox’s general-liability FAQ says buyers may pay annually or monthly with no additional fees, using debit or credit card. The California small-business page also lists monthly, quarterly, semi-annual and annual options with no fees. Product pages advertise up to a 5% discount for bundling certain Hiscox coverages. Published tables of monthly cost are labeled illustrative and are not quotes. [20](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [19](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [23](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: Company-stated payment options for described liability products. Partner policies may use different billing. No inference that every product or state has zero installment fees.; verified: 2026-09-16.)<br><br>The reviewed Hiscox small-business, terms-of-use and appetite pages do not publish a buyer-facing commission, producer-fee or contingent-commission schedule. The 2026 appetite guide states that actual cost, commission, premium and coverage may vary with underwriting. Amounts payable besides premium therefore remain not disclosed in those sources. [36](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [18](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [20](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Public consumer and agent appetite materials reviewed 16 September 2026. Absence of a schedule is not a finding that no producer compensation exists.; verified: 2026-09-16.) |
| Claims assistance | Gallagher’s executive-risk practice describes a dedicated claims-advocacy team, including specialized attorneys, working with clients and carriers through claims. This establishes a stated support service, not a guarantee of payment or evidence of claims-handling quality. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Executive-risk practice only; insurer decision-making, counsel role, charges and service scope require confirmation.; verified: 2026-09-16.) | Hiscox says customers can start a claim online, by phone or by mail. The claims center lists 1-866-424-8508 with weekday and weekend Eastern hours; a professional-liability FAQ separately tells current customers that 866-424-8508 is open 24 hours a day. Hiscox says it assigns a specialized claims professional, validates coverage and may appoint an attorney for covered liability claims. Policies placed with Hartford, GEICO, NOW Insurance, Markel/Thimble or CyberPolicy markets may use different notice instructions. These statements describe a reporting process, not independently measured claims outcomes. [30](https://www.hiscox.com/manage-your-policy/claims-center "Start a Business Insurance Claim Online, by Phone or Mail") [40](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") [20](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: Company-described Hiscox claims-center process. Hours differ across pages. Coverage and defense remain subject to the issuing insurer and policy.; verified: 2026-09-16.) |

## Related Reading

- [What Is Gallagher?](https://spot.insure/insurance-providers/gallagher)
- [What Is Hiscox?](https://spot.insure/insurance-providers/hiscox)

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- [CFC vs Gallagher](https://spot.insure/compare/cfc-vs-gallagher)
- [CFC vs Hiscox](https://spot.insure/compare/cfc-vs-hiscox)
- [Chubb vs Gallagher](https://spot.insure/compare/chubb-vs-gallagher)
- [Chubb vs Hiscox](https://spot.insure/compare/chubb-vs-hiscox)
- [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher)
- [Coalition vs Hiscox](https://spot.insure/compare/coalition-vs-hiscox)
- [Corgi vs Gallagher](https://spot.insure/compare/corgi-vs-gallagher)
- [Corgi vs Hiscox](https://spot.insure/compare/corgi-vs-hiscox)
- [Coterie Insurance vs Gallagher](https://spot.insure/compare/coterie-vs-gallagher)
- [Coterie vs Hiscox](https://spot.insure/compare/coterie-vs-hiscox)
- [Coverdash vs Gallagher](https://spot.insure/compare/coverdash-vs-gallagher)
- [Coverdash vs Hiscox](https://spot.insure/compare/coverdash-vs-hiscox)
- [Cowbell vs Gallagher](https://spot.insure/compare/cowbell-vs-gallagher)
- [Cowbell vs Hiscox](https://spot.insure/compare/cowbell-vs-hiscox)
- [Embroker vs Gallagher](https://spot.insure/compare/embroker-vs-gallagher)
- [Embroker vs Hiscox](https://spot.insure/compare/embroker-vs-hiscox)
- [Founder Shield vs Gallagher](https://spot.insure/compare/foundershield-vs-gallagher)
- [Founder Shield vs Hiscox](https://spot.insure/compare/foundershield-vs-hiscox)
- [Gallagher vs Harper](https://spot.insure/compare/gallagher-vs-harper)
- [Gallagher vs Heffernan Insurance Brokers](https://spot.insure/compare/gallagher-vs-heffernan)
- [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international)
- [Gallagher vs Kinro](https://spot.insure/compare/gallagher-vs-kinro)
- [Gallagher vs Layr](https://spot.insure/compare/gallagher-vs-layr)
- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton)
- [Gallagher vs Marsh](https://spot.insure/compare/gallagher-vs-marsh)
- [Gallagher vs Mylo](https://spot.insure/compare/gallagher-vs-mylo)
- [Gallagher vs Newfront](https://spot.insure/compare/gallagher-vs-newfront)
- [Gallagher vs ERGO NEXT Insurance](https://spot.insure/compare/gallagher-vs-next-insurance)
- [Gallagher vs Pie Insurance](https://spot.insure/compare/gallagher-vs-pie-insurance)
- [Gallagher vs Relm Insurance](https://spot.insure/compare/gallagher-vs-relm)
- [Gallagher vs Resilience](https://spot.insure/compare/gallagher-vs-resilience)
- [Gallagher vs RiskCube](https://spot.insure/compare/gallagher-vs-riskcube)
- [Gallagher vs Risklytics Insurance](https://spot.insure/compare/gallagher-vs-risklytics)
- [Gallagher vs StartupInsurance.ai](https://spot.insure/compare/gallagher-vs-startupinsurance)
- [Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance)
- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford)
- [Gallagher vs Travelers](https://spot.insure/compare/gallagher-vs-travelers)
- [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi)
- [Gallagher vs Vouch](https://spot.insure/compare/gallagher-vs-vouch)
- [Gallagher vs WithCoverage](https://spot.insure/compare/gallagher-vs-withcoverage)
- [Harper vs Hiscox](https://spot.insure/compare/harper-vs-hiscox)
- [Heffernan vs Hiscox](https://spot.insure/compare/heffernan-vs-hiscox)
- [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international)
- [Hiscox vs Kinro](https://spot.insure/compare/hiscox-vs-kinro)
- [Hiscox vs Layr](https://spot.insure/compare/hiscox-vs-layr)
- [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton)
- [Hiscox vs Marsh](https://spot.insure/compare/hiscox-vs-marsh)
- [Hiscox vs Mylo](https://spot.insure/compare/hiscox-vs-mylo)
- [Hiscox vs Newfront](https://spot.insure/compare/hiscox-vs-newfront)
- [Hiscox vs ERGO NEXT Insurance](https://spot.insure/compare/hiscox-vs-next-insurance)
- [Hiscox vs Pie Insurance](https://spot.insure/compare/hiscox-vs-pie-insurance)
- [Hiscox vs Relm](https://spot.insure/compare/hiscox-vs-relm)
- [Hiscox vs Resilience](https://spot.insure/compare/hiscox-vs-resilience)
- [Hiscox vs RiskCube](https://spot.insure/compare/hiscox-vs-riskcube)
- [Hiscox vs Risklytics](https://spot.insure/compare/hiscox-vs-risklytics)
- [Hiscox vs StartupInsurance.ai](https://spot.insure/compare/hiscox-vs-startupinsurance)
- [Hiscox vs TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance)
- [Hiscox vs The Hartford](https://spot.insure/compare/hiscox-vs-the-hartford)
- [Hiscox vs Travelers Insurance](https://spot.insure/compare/hiscox-vs-travelers)
- [Hiscox vs USI](https://spot.insure/compare/hiscox-vs-usi)
- [Hiscox vs Vouch](https://spot.insure/compare/hiscox-vs-vouch)
- [Hiscox vs WithCoverage](https://spot.insure/compare/hiscox-vs-withcoverage)

## Sources

### [Gallagher Official Website](https://www.ajg.com/)

1. [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.
2. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry; Data-driven insights; global network. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Three key services; D&O; IPO and direct listings; EPL; fiduciary; crime and fidelity; kidnap; M&A. Accessed 2026-09-16.
4. [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/). Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
5. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
6. [The Right Insurance for Your Small Business](https://www.gallaghersmallbusiness.com/insurance-products/). Gallagher Small Business; Choose Your Coverage; carrier network. Accessed 2026-09-16.
7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals; coverage menu; Connect With An Advisor. Accessed 2026-09-16.
8. [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.
9. [Contact Us](https://www.gallaghersmallbusiness.com/contact-us/). Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
10. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach; Robust casualty risk analysis. Accessed 2026-09-16.
11. [Property Insurance](https://www.ajg.com/insurance/property-insurance/). Gallagher; Our services include; global reach; Appraisal services. Accessed 2026-09-16.
12. [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/). Gallagher; Product Recall team description before Product recall insurance coverage. Accessed 2026-09-16.
13. [AI Insurance Solutions](https://www.ajg.com/insurance/ai-insurance-solutions/). Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.

### [Hiscox Official Website](https://www.hiscox.com/small-business-insurance)

14. [Hiscox Small Business Insurance](https://www.hiscox.com/small-business-insurance). Hiscox; Product selector (GL, professional liability/E&O, cyber, workers compensation, commercial auto, medical malpractice, short-term liability); FAQ that Hiscox is licensed in 49 states and D.C. and unavailable in Alaska; partnership language for workers’ compensation; online quote statements. Accessed 2026-09-16.
15. [IT Professional & General Liability Insurance](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance). Hiscox; IT/technology professional audience; general liability, BOP, professional liability/E&O and cyber security descriptions for IT businesses; illustrative cyber breach-response example. Accessed 2026-09-16.
16. [Insurance for IT Consultants](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance/it-consultant-insurance). Hiscox; IT consultant professional-liability and general-liability descriptions, including the phrase technology professional liability insurance as a label for E&O for IT work. Accessed 2026-09-16.
17. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
18. [Website Terms & Conditions of Use](https://www.hiscox.com/terms-of-use). Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
19. [California Business Insurance](https://www.hiscox.com/small-business-insurance/california-business-insurance). Hiscox; California product list (GL, professional liability, BOP, workers compensation, cyber); IT/technology profession link; payment-option and worldwide-claim-filing statements; footer that products are approved by the California Department of Insurance and underwritten by Hiscox Insurance Company Inc.; Hiscox Inc. as Delaware licensed producer; California d/b/a Hiscox Insurance Agency license no. 0F09668; coverage subject to underwriting and may not be available in all states; company-stated Illinois license number 8754. Accessed 2026-09-16.
20. [General Liability Insurance](https://www.hiscox.com/small-business-insurance/general-liability-insurance). Hiscox; Online quote; 49-state and D.C. availability with Alaska excluded; broker-referral if not sold online; payment annually or monthly with no additional fees; online 24/7 claim reporting; policy issued via email and certificate in welcome documents; illustrative California consultant pricing table labeled as illustrative; electronic data liability for IT professions; coverage subject to underwriting. Accessed 2026-09-16.
21. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
22. [Cyber Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/cyber-security-insurance). Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number 1-833-816-2811. Accessed 2026-09-16.
23. [Business Owner's Policy Insurance (BOP) Coverage](https://www.hiscox.com/small-business-insurance/business-owners-policy). Hiscox; BOP as combined general liability and commercial property; optional packages including cyber, non-owned commercial auto, commercial crime and professional liability; illustrative California IT/technology consultant pricing table labeled with asterisks; worldwide-coverage qualifications. Accessed 2026-09-16.
24. [Workers Compensation Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance). Hiscox; Partnership with The Hartford; general liability required to purchase workers comp; not available for all classes; footer that coverage is made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hartford Fire Insurance, One Hartford Plaza, Hartford, CT 06155. Accessed 2026-09-16.
25. [Commercial Auto Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance). Hiscox; Commercial auto product page; quote redirect to a site not owned by Hiscox; customers referred to GEICO by Hiscox Inc. d/b/a Hiscox Insurance Agency in CA; products underwritten by Government Employees Insurance Company and affiliates. Accessed 2026-09-16.
26. [Medical Malpractice Insurance](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance). Hiscox; Partnership with NOW Insurance for medical malpractice quotes; footer that NOW Insurance is not affiliated with the Hiscox group and that Hiscox Inc. d/b/a Hiscox Insurance Agency in CA provides access to coverage available through NOW Insurance. Accessed 2026-09-16.
27. [Short-Term Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance). Hiscox; Partnership with Thimble for short-term general and professional liability; not available in all jurisdictions or classes; underwritten by Markel Insurance Company, Ten Parkway North, Deerfield, IL 60015. Accessed 2026-09-16.
28. [Specific Business Insurance Coverages](https://www.hiscox.com/small-business-insurance/other-insurance). Hiscox; Partnership with CyberPolicy for additional coverages including commercial auto, umbrella, directors and officers, and employment practices liability, with quote links to sme.cyberpolicy.com. Accessed 2026-09-16.
29. [Get A Small Business Insurance Quote](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business). Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
30. [Start a Business Insurance Claim Online, by Phone or Mail](https://www.hiscox.com/manage-your-policy/claims-center). Hiscox; Online claim filing; phone 1-866-424-8508 with posted hours; specialized claims professional assignment; coverage validation; liability claims attorney-appointment description; broker-reported claims option; company marketing phrase award-winning claims service. Accessed 2026-09-16.
31. [Manage your policy](https://www.hiscox.com/manage-your-policy). Hiscox; Online account functions: download policy documents, certificates, authorized person, same-state address and business-name changes, loss runs, waiver of subrogation, certificate holder, document submission; phone-only changes including payment method, limits, new-state address, coverage adjustments and cancellation. Accessed 2026-09-16.
32. [Get a Certificate of Insurance (COI)](https://www.hiscox.com/manage-your-policy/get-certificate-of-insurance). Hiscox; Online ACORD/certificate generation using policy number and policy email address. Accessed 2026-09-16.
33. [Non-Owned Car Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; Hired/non-owned auto described as an upgrade to a business owner’s policy and part of that policy’s occurrence limit, not coverage for vehicles owned or regularly operated by the business. Accessed 2026-09-16.
34. [Commercial crime insurance for small businesses](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime). Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16.
35. [Contact Us](https://www.hiscox.com/contact-us). Hiscox; U.S. locations including Atlanta headquarters and a Los Angeles office; statement that Hiscox operates in 49 U.S. states and D.C. and offers specialty products through U.S. brokers. Accessed 2026-09-16.
36. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Document 23295 07/26; Hiscox NOW admitted GL, PL, cyber and BOP; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia; technology classes including IT consultants and software development; footer that products are made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hiscox Insurance Company Inc.; commission and premium may vary. Accessed 2026-09-16.
37. [Hiscox Insurance Company Inc. Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile). California Department of Insurance; HISCOX INSURANCE COMPANY INC.; NAIC 10200; California Company ID 1439-9; authorized in California 09/14/1953; license status UNLIMITED-NORMAL; company type Property & Casualty; domicile Illinois; NAIC Group 4666 Hiscox Ins Grp; authorized lines including liability, fire, workers’ compensation, surety and others. Accessed 2026-09-16.
38. [Hiscox Insurance Company Inc.](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=59700&s=Active&t=INS). Illinois Department of Insurance; Legal name HISCOX INSURANCE COMPANY INC.; P&C Domestic Stock; domicile County of Cook, Illinois; parent Hiscox Ltd.; status Active; NAIC 4666 10200; incorporated 11/26/1952; 125 South Wacker Drive Suite 2080 Chicago, IL 60606. Accessed 2026-09-16.
39. [Management Liability Insurance Executive Risks](https://www.hiscox.com/brokers/management-liability). Hiscox; Broker-facing Hiscox C-Suite management liability and crime solution; statement we are no longer entertaining risks in the metro areas of California; add-on references to media, cyber, crime and technology; not the consumer small-business online catalogue. Accessed 2026-09-16.
40. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq). Hiscox; Claims-made description; current-customer claim number 866-424-8508 described as open 24 hours a day, 7 days a week. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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