---
title: "Gallagher vs HUB International"
description: "Compare Gallagher and HUB International by the team and intake route a startup will actually receive, including HUB’s Insureon small-commercial path."
canonical: "https://spot.insure/compare/gallagher-vs-hub-international"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Gallagher", "HUB International"]
---
[Human-readable page](https://spot.insure/compare/gallagher-vs-hub-international)
# Gallagher vs HUB International
Compare Gallagher and HUB International by the team and intake route a startup will actually receive, including HUB’s Insureon small-commercial path.
## Research Scope and Use
Use this comparison to evaluate Gallagher and HUB International against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.
This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.
For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.
## Highlights
Gallagher and HUB International offer technology brokerage and broader business services. HUB’s contact flow directs specified small-commercial inquiries to Insureon, while Gallagher publishes separate small-business and specialist technology routes. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [21](https://www.hubinternational.com/contact-us/ "Contact Us") [47](https://www.insureon.com/about-us "About Insureon")
## Introduction
Two large brokerages can lead a small startup into quite different service arrangements. HUB’s contact page separates its commercial advisory route from an Insureon small-commercial path. Gallagher also markets both small-business IT insurance and a specialist technology practice. Before comparing proposals, find out which team would serve your account and whether that team will review the financing, customer-contract and hiring changes you expect. [21](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance")
## Documented Provider Strengths
### Gallagher
- Technology specialists for startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.)
- Executive-risk and transaction support, including IPOs and M&A. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.)
### HUB International
- HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)
- HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [21](https://www.hubinternational.com/contact-us/ "Contact Us") [24](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [25](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [26](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [19](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.)
## Coverage Comparison
| Coverage Type | Gallagher | HUB International |
| --- | --- | --- |
| Builders risk | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Listed [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Business owner’s policy | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [31](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") |
| Cargo and transit | Not listed | Listed [41](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Commercial auto | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [33](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| Commercial property | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [32](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") |
| Crime | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [34](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Cyber liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [26](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Directors and officers | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [25](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Employee health and benefits | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [43](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [14](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") |
| Employment practices liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Equipment breakdown | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Listed [42](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") |
| Fidelity bonds | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Fiduciary liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [35](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| General liability | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [24](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") |
| Hired and non-owned auto | Not listed | Listed [33](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| Intellectual property | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Key person | Not listed | Listed [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Kidnap and ransom | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [36](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Management liability | Not listed | Listed [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Medical malpractice | Not listed | Listed [38](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") |
| Product liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [40](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| Product recall | Listed [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") | Listed [40](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| Professional liability / E&O | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [27](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [28](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") |
| Representations and warranties | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [39](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") |
| Surety bonds | Listed [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") | Listed [37](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") |
| Technology errors and omissions | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Tools, equipment and inland marine | Not listed | Listed [41](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") |
| Trucking | Not listed | Listed [33](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| Umbrella and excess liability | Listed [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") | Listed [40](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| Virtual care and telehealth | Not listed | Listed [44](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") |
| Workers’ compensation | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [30](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") |
Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.
## Optional Spot Service Handoff
Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.
This is a service offered by the publisher, separate from the provider research.
## Key Differences Between Gallagher and HUB International
### The Intake Route Is a Material Part of the Comparison
HUB’s contact page says it supports small businesses through partner Insureon and directs companies with 50 employees or fewer or under $5 million in annual revenue to start with an online quote. Larger or other commercial needs are directed to HUB commercial-insurance teams or a local office search. Those thresholds are HUB’s routing rules, not a regulatory definition of small business. [21](https://www.hubinternational.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.; verified: 2026-09-16.)
Those thresholds describe HUB’s public inquiry routing, not an insurer’s eligibility rules. Gallagher’s reviewed materials do not give an equivalent revenue or employee cutoff for specialist technology engagement. Ask whether your requested scope stays with a small-commercial channel or reaches a technology advisor, and what prompts a transfer later. [21](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance")
### Identify the Actual Producer Behind the Channel
HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [17](https://www.hubinternational.com/about-us/ "About Us") [47](https://www.insureon.com/about-us "About Insureon") [48](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [49](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [50](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.)
Insureon’s disclosed SPG producer route should not be assigned automatically to a HUB retail-office engagement. Likewise, Gallagher’s small-business producer disclosure does not settle the entity for every former Woodruff Sawyer relationship. The signed engagement should name the producer and the California authority applicable to your account. [18](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [14](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")
### Specify Tools and Compensation at the Account Level
HUB describes ProEx review services and RMIS capabilities; Gallagher describes technology tools for applications, certificates and vendor compliance. A group-wide capability is not necessarily included in the channel receiving your inquiry. Request the service list and access terms for your proposed account. [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [46](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance")
Both disclosures describe commissions and possible additional compensation. HUB also identifies strategic-carrier incentives and potential affiliate-wholesaler remuneration. Ask for the complete placement chain and its charges, rather than comparing only a retail advisory fee. [20](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure")
## What to Confirm in Quotes
- Which named team receives this account, and what growth event changes that arrangement?
- Who is the legal producer and who confirms California product eligibility?
- Are contract review, certificate work and risk-data tools included in this service tier?
- Will any affiliate or wholesale intermediary participate, and how is each party paid?
## Service Comparison
Gallagher vs HUB International: documented services and availability.
| Criteria | Gallagher | HUB International |
| --- | --- | --- |
| Customer focus | Gallagher markets a technology-specialist practice to startups, middle-market businesses and global enterprises, alongside a small-business offering for IT professionals and technology businesses. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.)
The reviewed technology and small-business pages do not state a minimum premium, funding round or revenue requirement for engaging the team. Ask which service model applies to a bootstrapped business. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") (Evidence: Not publicly disclosed; scope: Public pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum.; verified: 2026-09-16.) | HUB’s San Francisco Mission Street office says its brokers work across commercial lines, personal lines and high-net-worth, and employee benefits, and names Bay Area industries including technology, venture capital, healthcare and life sciences, real estate and construction. The same page says the team helps startups navigate risk. That is office marketing, not a published eligibility list. [14](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [15](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.; verified: 2026-09-16.)
HUB’s technology-company page addresses fast-growing startups and established software, hardware or digital-media businesses. It lists a technology-specific mix that includes professional liability/technology E&O, cyber, D&O and other management liability, transactional/warranty insurance, workers’ compensation, employee benefits and key-person coverages. The page also claims more than 5,000 technology companies currently insured; that figure is company-reported and was not independently counted here. [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)
HUB’s contact page says it supports small businesses through partner Insureon and directs companies with 50 employees or fewer or under $5 million in annual revenue to start with an online quote. Larger or other commercial needs are directed to HUB commercial-insurance teams or a local office search. Those thresholds are HUB’s routing rules, not a regulatory definition of small business. [21](https://www.hubinternational.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.; verified: 2026-09-16.) |
| Application process | The small-business quote link opens an advisor inquiry form asking for company and contact details, business description, coverage interests, employee count and annual revenue. Telephone and scheduled-advisor contact are also offered. This observed entry point does not establish instant binding or a turnaround time. [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [9](https://www.gallaghersmallbusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Public form inspected without submission; no quote, account creation or actual purchase tested.; verified: 2026-09-16.) | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [21](https://www.hubinternational.com/contact-us/ "Contact Us") [24](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [25](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [26](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [19](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) |
| Servicing and renewals | Gallagher describes Go for client information and self-service, Submit for submission tracking and documents, and Verify for certificate management. Confirm which tools and service team your engagement includes. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Company-described technology-practice tools; no logged-in testing or universal account entitlement.; verified: 2026-09-16.)
For former Woodruff Sawyer clients, Gallagher links WS Connect for benefits and documents, Woodruff360 for policies, claim submission and certificates, and CSR 24 for certificates and auto ID cards. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Transition-page descriptions; no portal functionality tested.; verified: 2026-09-16.)
Gallagher’s casualty practice describes pre-renewal meetings involving finance, HR, operations and risk-management stakeholders, alongside contract reviews and coverage-gap analysis. Confirm the renewal timetable and deliverables for your account. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty-practice service description, not a promise for all small-business engagements.; verified: 2026-09-16.) | HUB describes ongoing servicing through local account teams (ProEx notes local policy review and certificates of insurance), a Risk Management Information System for claims administration, certificate tracking and carrier/TPA data, and employee-benefits work that includes multi-year cost planning and renewal support. RMIS is described as available in various tiers. None of those pages publish a standard service-level agreement or fee for those tools. [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [46](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [43](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) |
| Fees and compensation | Gallagher discloses brokerage commissions or fees, sometimes both, as well as possible contingent and supplemental commissions. Affiliates or other intermediaries may also earn compensation. It directs clients to their representative for placement-specific details; the disclosure provides no startup fee schedule. [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") (Evidence: Company-reported; scope: US compensation disclosure; no fee-free or uniform commission assumption.; verified: 2026-09-16.) | HUB’s How We Get Paid page says it is compensated primarily through insurer-paid commissions included in premium, and also through contingent income, guaranteed supplemental commissions, and, on some complex programs, client-paid fees disclosed in a proposal, sometimes in addition to commission. It owns wholesale brokerages that may earn a second commission when HUB retail uses them. It may receive fees for de-identified data under insurer consulting agreements, premium-finance administration, interest on fiduciary accounts, and policy or claims administration. Strategic Carriers may pay enhanced compensation, part of which may incentivize employees to prioritize those markets. No schedule of commission percentages or standard fees is published. [20](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) |
## Related Reading
- [What Is Gallagher?](https://spot.insure/insurance-providers/gallagher)
- [What Is HUB International?](https://spot.insure/insurance-providers/hub-international)
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- [Cowbell vs Gallagher](https://spot.insure/compare/cowbell-vs-gallagher)
- [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international)
- [Embroker vs Gallagher](https://spot.insure/compare/embroker-vs-gallagher)
- [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international)
- [Founder Shield vs Gallagher](https://spot.insure/compare/foundershield-vs-gallagher)
- [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international)
- [Gallagher vs Harper](https://spot.insure/compare/gallagher-vs-harper)
- [Gallagher vs Heffernan Insurance Brokers](https://spot.insure/compare/gallagher-vs-heffernan)
- [Gallagher vs Hiscox](https://spot.insure/compare/gallagher-vs-hiscox)
- [Gallagher vs Kinro](https://spot.insure/compare/gallagher-vs-kinro)
- [Gallagher vs Layr](https://spot.insure/compare/gallagher-vs-layr)
- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton)
- [Gallagher vs Marsh](https://spot.insure/compare/gallagher-vs-marsh)
- [Gallagher vs Mylo](https://spot.insure/compare/gallagher-vs-mylo)
- [Gallagher vs Newfront](https://spot.insure/compare/gallagher-vs-newfront)
- [Gallagher vs ERGO NEXT Insurance](https://spot.insure/compare/gallagher-vs-next-insurance)
- [Gallagher vs Pie Insurance](https://spot.insure/compare/gallagher-vs-pie-insurance)
- [Gallagher vs Relm Insurance](https://spot.insure/compare/gallagher-vs-relm)
- [Gallagher vs Resilience](https://spot.insure/compare/gallagher-vs-resilience)
- [Gallagher vs RiskCube](https://spot.insure/compare/gallagher-vs-riskcube)
- [Gallagher vs Risklytics Insurance](https://spot.insure/compare/gallagher-vs-risklytics)
- [Gallagher vs StartupInsurance.ai](https://spot.insure/compare/gallagher-vs-startupinsurance)
- [Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance)
- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford)
- [Gallagher vs Travelers](https://spot.insure/compare/gallagher-vs-travelers)
- [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi)
- [Gallagher vs Vouch](https://spot.insure/compare/gallagher-vs-vouch)
- [Gallagher vs WithCoverage](https://spot.insure/compare/gallagher-vs-withcoverage)
- [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international)
- [Heffernan vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international)
- [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international)
- [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro)
- [HUB International vs Layr](https://spot.insure/compare/hub-international-vs-layr)
- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton)
- [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh)
- [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo)
- [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront)
- [HUB International vs NEXT Insurance](https://spot.insure/compare/hub-international-vs-next-insurance)
- [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance)
- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm)
- [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience)
- [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube)
- [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics)
- [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance)
- [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance)
- [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford)
- [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers)
- [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi)
- [HUB International vs Vouch](https://spot.insure/compare/hub-international-vs-vouch)
- [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage)
## Sources
### [Gallagher Official Website](https://www.ajg.com/)
1. [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.
2. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry; Data-driven insights; global network. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Three key services; D&O; IPO and direct listings; EPL; fiduciary; crime and fidelity; kidnap; M&A. Accessed 2026-09-16.
4. [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/). Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
5. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
6. [The Right Insurance for Your Small Business](https://www.gallaghersmallbusiness.com/insurance-products/). Gallagher Small Business; Choose Your Coverage; carrier network. Accessed 2026-09-16.
7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals; coverage menu; Connect With An Advisor. Accessed 2026-09-16.
8. [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.
9. [Contact Us](https://www.gallaghersmallbusiness.com/contact-us/). Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
10. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach; Robust casualty risk analysis. Accessed 2026-09-16.
11. [Property Insurance](https://www.ajg.com/insurance/property-insurance/). Gallagher; Our services include; global reach; Appraisal services. Accessed 2026-09-16.
12. [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/). Gallagher; Product Recall team description before Product recall insurance coverage. Accessed 2026-09-16.
13. [AI Insurance Solutions](https://www.ajg.com/insurance/ai-insurance-solutions/). Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.
### [HUB International Official Website](https://www.hubinternational.com)
14. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16.
15. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
16. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
17. [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.
18. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16.
19. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16.
20. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16.
21. [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.
22. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16.
23. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16.
24. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16.
25. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
26. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16.
27. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
28. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
29. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16.
30. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16.
31. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16.
32. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16.
33. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16.
34. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
35. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
36. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16.
37. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
38. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
39. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
40. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16.
41. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16.
42. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16.
43. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16.
44. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16.
45. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16.
46. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
47. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16.
48. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16.
49. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16.
50. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16.
51. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16.
Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
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- [Public page index](https://spot.insure/llms.txt)