Gallagher vs HUB International: How Do They Compare for Business Owner’s Policy?

Contact a HUB broker to start with HUB International, which brokers BOPs and describes no online quote; Gallagher Small Business arranges a BOP with partner carriers and lets you start by online form, advisor phone line or callback.

Gallagher is easier to start with: you can begin a BOP quote online, by phone or by callback, and it publishes what the policy won't cover. HUB works only through a broker, who tailors options to your line of business. ^1,³

What Are the Key Differences Between Gallagher and HUB International Business Owner’s Policy?

Three Ways In Versus One

Both brokers place your BOP with an insurer rather than writing it, so neither page names who pays claims or publishes limits, deductibles or premiums. Gallagher Small Business lets you start online, call a small-business advisor or request a callback. HUB's page only points you to a HUB broker, with no online quote or self-serve purchase. Choose Gallagher if you want to get a number moving on your own schedule; choose HUB if you'd rather hand the whole job to a broker. ¹ ³

Published Exclusions Versus Advisor Tailoring

Gallagher names its general-liability parts and property for rented space and equipment, then lists what the BOP won't cover, including employee injuries and malpractice. That tells you early which separate policies you'll need. HUB covers buildings, equipment, stock, furniture and fixtures plus liability for injury or property damage, and says its advisor adjusts options so gaps don't open between property and liability. ¹ ³

What Should You Confirm in Gallagher and HUB International Business Owner’s Policy Quotes?

Ask both brokers which insurer would issue the BOP. ¹ ³
Ask HUB which options its advisor would add for your line of business. ³
Check Gallagher's exclusion list against the policy HUB places. ¹ ³
Compare limits and deductibles side by side once both quotes arrive. ¹ ³

Gallagher vs HUB International Business Owner’s Policy Compared

Gallagher vs HUB International: Business Owner’s Policy: documented features by provider

Criteria	Gallagher Small Business Owner’s Policy	HUB International Business Owners Policy Brokerage
How to Apply	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. ¹Company-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. ³Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	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. ¹Company-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. ¹Company-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. ³Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.
Role in This Line	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. ¹Company-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. ³Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer.

Criteria

Gallagher Small Business Owner’s Policy

HUB International Business Owners Policy Brokerage

How to Apply

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. ¹Company-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. ³Company-reported. Product-page call to action as read 2026-09-23.

Coverage Features

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. ¹Company-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. ¹Company-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. ³Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.

Role in This Line

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. ¹Company-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. ³Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer.