Gallagher vs HUB International: How Do They Compare for Business Insurance?

Gallagher’s technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT and technology firms. ^2,7Company-reportedUS marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.

Ask which service and fee model fits a bootstrapped business because reviewed Gallagher technology and small-business pages set no minimum premium, funding stage or revenue requirement. ^2,7,8Not publicly disclosedPublic pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum.

Bay Area technology, venture-capital, healthcare, life-sciences, real-estate and construction businesses can contact HUB’s San Francisco team; this is a local service description, not a product eligibility list. ^14,15Company-reportedHUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.

Technology companies can ask HUB about E&O, cyber, D&O, transactional coverage, workers’ compensation and benefits; HUB says it currently insures 5,000+ technology companies, a company-reported figure. ²³Company-reportedIndustry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.

Businesses with 50 or fewer employees or under $5 million revenue are directed by HUB to Insureon’s online quote; larger or different commercial accounts go to HUB advisors. These are routing guidelines, not a legal small-business definition. ²¹Company-reportedHUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.

You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. ^8,9Company-reportedPublic form inspected without submission; no quote, account creation or actual purchase tested.

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. ^{21,24,25,26,23,19}Company-reportedPublic website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Ask which Gallagher tools your engagement includes: Go supports client self-service, Submit tracks submissions and documents, and Verify manages certificates. ²Company-reportedCompany-described technology-practice tools; no logged-in testing or universal account entitlement.

Former Woodruff Sawyer clients can use separate portals for benefits, policies, claims, certificates and auto ID cards; confirm which login serves your account. ¹Company-reportedTransition-page descriptions; no portal functionality tested.

Gallagher describes pre-renewal meetings across finance, HR, operations and risk teams, plus contract review and coverage-gap analysis; agree on the timeline and deliverables for your account. ¹⁰Company-reportedCasualty-practice service description, not a promise for all small-business engagements.

HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. ^29,46,43Company-reportedCompany-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.

Request placement-specific compensation because Gallagher may receive commissions, fees, contingent and supplemental commissions or affiliate/intermediary payments; no startup fee schedule is published. ⁴Company-reportedUS compensation disclosure; no fee-free or uniform commission assumption.

Ask for compensation on your proposal: HUB says it receives insurer commissions, contingent and supplemental payments and sometimes client fees, may use affiliated wholesalers, and may earn administration or data fees; it publishes no standard rates. ²⁰Company-reportedFirmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.