Gallagher vs HUB International Commercial Auto Insurance

Gallagher Small Business quotes partner-carrier auto by phone or form; HUB brokers fleet haul coverages, towing, lease gap, and risk analytics.

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,^2,^3,^4,⁵

Read the Gallagher profile

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. ^7,^8,⁹

Read the HUB International profile

What Is Commercial Auto Insurance?

Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. ¹¹

Read the full coverage guide

Key Differences in Commercial Auto Insurance

Small-Business Partner Panel Versus Fleet Practice

Gallagher Small Business arranges commercial auto with partner carriers for businesses that use vehicles for work. HUB brokers commercial auto for fleets and transportation-industry providers. Gallagher offers an online form, a weekday advisor phone line, and a callback; HUB directs you to contact a HUB broker and describes no online quote or bind flow. Neither page names the issuing insurer. ⁶ ¹⁰

Shared Liability Language, Different Extra Parts

Both list bodily injury and property damage protection. Gallagher also names UM/UIM, physical damage to owned, rented, hired, or employee vehicles, and medical costs. HUB adds long- and short-haul transportation, towing, and lease gap. Gallagher’s reviewed page does not mention towing or lease gap; HUB’s page does not use Gallagher’s bakery delivery example. ⁶ ¹⁰

Market Commentary Versus Analytics Tools

Gallagher’s small-business team comments on social inflation, long-tail auto liability, and rising repair costs from vehicle electronics and supply-chain delays. HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and it cross-promotes Fleet Risk Management and Workplace Safety Management. Those are different service stories: market commentary versus named analytics products. ⁶ ¹⁰

What to Confirm in Commercial Auto Insurance Quotes

Ask both who issues the policy. ⁶ ¹⁰
If you haul, confirm long-haul or short-haul wording on HUB; Gallagher’s page does not describe haul radius. ¹⁰ ⁶
Compare towing, lease gap, UM/UIM, and medical-payments grants. ¹⁰ ⁶
Ask HUB which analytics services attach, which Gallagher’s small-business page does not list. ¹⁰ ⁶

Offering Details

Gallagher vs HUB International Commercial Auto Insurance: documented features by provider

Criteria	Gallagher Small Business Commercial Auto Insurance	HUB International Commercial Auto Insurance Brokerage
Role in This Line	Gallagher Small Business arranges commercial auto coverage with partner carriers rather than underwriting the policy itself. ⁶Company-reported. Gallagher Small Business's direct-to-small-business commercial auto product page.	HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. ¹⁰Company-reported. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer.
Issuing Insurer	The commercial auto product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the commercial auto product page on 2026-09-23.	The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. ¹⁰Not found in reviewed sources. Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there.
Who It’s For	Gallagher recommends this coverage for businesses that use vehicles for business purposes, including owned, hired and non-owned autos, rented or leased vehicles, and employees who drive their own cars for work. ⁶Company-reported. Product page "Recommended for businesses that" list; actual acceptance depends on underwriting.	HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. ¹⁰Company-reported. Product-page description; not a published underwriting appetite by fleet size or vehicle class.
Coverage Features	Gallagher describes commercial auto as covering bodily injury and property damage to third parties, accidents caused by uninsured or underinsured drivers, physical damage to owned, rented, hired or employee vehicles, and medical costs for the business owner, employees and passengers, plus theft and damage. ⁶Company-reported. Product page coverage list; the issued policy and its exclusions control. Gallagher's small-business team says the commercial auto market remains challenging because of social inflation and the long-tail nature of auto liability claims, and that rising repair costs from added vehicle electronics and safety features, plus supply-chain delays, are increasing claim costs. ⁶Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business. Gallagher illustrates the coverage gap when a personal vehicle is used for business: it describes a bakery owner whose personal auto insurer refused to pay a delivery-related accident claim because she lacked commercial auto insurance. ⁶Company-reported. Product page hypothetical claim scenario; illustrative example, not a report of an actual claim outcome.	HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. ¹⁰Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.
Limits and Retentions	The commercial auto product page does not publish liability limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the commercial auto product page on 2026-09-23.	Not described in the reviewed sources.
Risk Services	Not described in the reviewed sources.	HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. ¹⁰Company-reported. Product-page service description; a company-reported capability, not an independently assessed outcome.
How to Apply	Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a commercial auto quote. ⁶Company-reported. Product page "Get Covered Now" section.	HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. ¹⁰Company-reported. Product-page call to action as read 2026-09-23.

Full Comparison

More Gallagher vs HUB International Comparisons

Other Commercial Auto Insurance Comparisons

Sources

Gallagher

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.
Insurance for Technology & IT Businesses. 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.
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.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Commercial Auto Insurance. Gallagher Small Business; Commercial Auto Insurance Overview; Do you need Commercial Auto insurance?; Recommended for businesses that:; Small business auto market trends; Consider this claim scenario; Get Covered Now. Accessed 2026-09-23.

HUB International

About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
Insurance for Technology Companies. 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.
Commercial Auto Insurance Broker Policy & Coverage. HUB International; Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker. Accessed 2026-09-23.

Commercial Auto Insurance Guide

Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.