Gallagher vs HUB International Business Owner’s Policy

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. ⁶Company-reported. Gallagher Small Business's direct-to-small-business BOP product page.

HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. ¹¹Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer.

The BOP product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.

The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. ¹¹Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.

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. ⁶Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting.

Not described in the reviewed sources.

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. ⁶Company-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. ⁶Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.

HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. ¹¹Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.

The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the BOP product page on 2026-09-23.

Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. ¹¹Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

Not described in the reviewed sources.

HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. ¹¹Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.

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. ⁶Company-reported. Product page "Get Covered Now" section.

HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. ¹¹Company-reported. Product-page call to action as read 2026-09-23.