--- title: "Gallagher vs HUB International Business Owner’s Policy" description: "Gallagher quotes a small-business BOP online or by phone; HUB starts the same line only through a broker." canonical: "https://spot.insure/compare/gallagher-vs-hub-international/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/gallagher-vs-hub-international/business-owners-policy) # Gallagher vs HUB International Business Owner’s Policy Gallagher quotes a small-business BOP online or by phone; HUB starts the same line only through a broker. ## Research Scope and Use Use this comparison to evaluate Gallagher and HUB International for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Gallagher Small Business and HUB both broker a combined property-and-liability BOP rather than underwriting it. Gallagher publishes three ways to start a quote; HUB directs you to contact a broker and describes fine-tuning options for the client's line of business. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [Gallagher profile](https://spot.insure/insurance-providers/gallagher) ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [8](https://www.hubinternational.com/about-us/ "About Us") [9](https://www.hubinternational.com/contact-us/ "Contact Us") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is a Business Owner’s Policy? A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [12](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy") ## Key Differences in Business Owner’s Policy ### Broker Placement, Different Start Paths Gallagher Small Business and HUB both place a BOP instead of writing it. Gallagher lets you start online, by phone with a small-business advisor, or by requesting a callback. HUB's reviewed page points you to a HUB broker and does not describe an online quote or self-serve bind. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### How Each Describes the Package Gallagher lists named general-liability parts and property for rented space and equipment, then lists items the BOP does not cover, including employee injuries and malpractice. HUB describes building and business-property insurance (buildings, equipment, stock, furniture, fixtures) plus liability for injury or property-damage claims, and says an advisor fine-tunes options so separate property and liability policies do not leave gaps. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### Insurer and Limits on the Public Pages Neither Gallagher's nor HUB's BOP page names the issuing insurer or publishes limits, deductibles or premiums. The carrier and numbers appear on the quote each broker obtains. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## What to Confirm in Business Owner’s Policy Quotes - Ask both brokers which insurer would issue the BOP. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Ask HUB which line-of-business options the advisor would add. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Match Gallagher's exclusion list against the HUB-placed form. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Compare limits and deductibles; neither page discloses them. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## Offering Details | Criteria | Gallagher Small Business Owner’s Policy | HUB International Business Owners Policy Brokerage | | --- | --- | --- | | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: BOP product page as read 2026-09-23; the page does not name an issuing insurer..) | | Issuing Insurer | The BOP product page does not name the insurer that would issue a given business's policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Not publicly disclosed; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not found in reviewed sources; scope: Checked the BOP product page on 2026-09-23; no carrier is disclosed there..) | | Who It’s For | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting..) | Not described in the reviewed sources. | | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim..) | | Limits and Retentions | The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Not publicly disclosed; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not publicly disclosed; scope: Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page..) | | Risk Services | 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page marketing copy; no specific risk-control service beyond broker consultation is described..) | | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | ## Full Comparison - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses. - [Gallagher vs HUB International Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-hub-international/commercial-auto) - [Gallagher vs HUB International Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-hub-international/commercial-property) - [Gallagher vs HUB International Crime Insurance](https://spot.insure/compare/gallagher-vs-hub-international/crime) - [Gallagher vs HUB International Cyber Insurance](https://spot.insure/compare/gallagher-vs-hub-international/cyber) - [Gallagher vs HUB International D&O Insurance](https://spot.insure/compare/gallagher-vs-hub-international/directors-officers) - [Gallagher vs HUB International Employee Health Benefits](https://spot.insure/compare/gallagher-vs-hub-international/employee-health-benefits) - [Gallagher vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/employment-practices) - [Gallagher vs HUB International Fidelity Bonds](https://spot.insure/compare/gallagher-vs-hub-international/fidelity-bonds) - [Gallagher vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/fiduciary) - [Gallagher vs HUB International General Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/general-liability) - [Gallagher vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-hub-international/kidnap-ransom) - [Gallagher vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-hub-international/professional-errors-omissions) - [Gallagher vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-hub-international/representations-warranties) - [Gallagher vs HUB International Surety Bonds](https://spot.insure/compare/gallagher-vs-hub-international/surety-bonds) - [Gallagher vs HUB International Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-hub-international/technology-errors-omissions) - [Gallagher vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/umbrella-excess) - [Gallagher vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-hub-international/workers-compensation) - [Alliance Risk vs Gallagher Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-gallagher/business-owners-policy) - [Alliance Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-hub-international/business-owners-policy) - [Amelia Risk vs Gallagher Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-gallagher/business-owners-policy) - [Amelia Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy) - [Chubb vs Gallagher Business Owner’s Policy](https://spot.insure/compare/chubb-vs-gallagher/business-owners-policy) - [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy) ## Sources ### Gallagher 1. [Technology Insurance](https://www.ajg.com/industries/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. 2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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. 3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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. 4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 5. [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. 6. [Business Owners Policy](https://www.gallaghersmallbusiness.com/insurance-products/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. 7. [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. ### HUB International 8. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 9. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16. 11. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. Accessed 2026-09-23. ### Business Owner’s Policy Guide 12. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/gallagher-vs-hub-international/business-owners-policy.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)