Gallagher vs HUB International General Liability Insurance

Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself. ⁶Company-reported. Gallagher Small Business's direct-to-small-business general liability product page.

HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. ¹⁰Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.

The general liability product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the general liability product page on 2026-09-23.

The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. ¹⁰Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there.

Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. ⁶Company-reported. Product page coverage overview; the issued policy and its exclusions control.

Gallagher lists covered expense types including claim investigation and defense costs, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for any bonds a liability suit requires. ⁶Company-reported. Product page expense list; the issued policy and its exclusions control.

HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. ¹⁰Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.

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

Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. ¹⁰Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

Not described in the reviewed sources.

The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. ¹⁰Not found in reviewed sources. Checked the general liability product page on 2026-09-23.

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

HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. ¹⁰Company-reported. Product-page copy; no online quote or bind flow is described.