Gallagher vs 
Mylo Business Owner’s Policy
Mylo shops a BOP across 40-plus carriers including business interruption; Gallagher places a partner bundle and lists exclusions.
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
What Is Mylo Insurance?
Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. 8,9
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 11
Key Differences in Business Owner’s Policy
One Partner Versus a Named Panel
Gallagher Small Business places the BOP with a partner carrier and does not name that carrier on the product page. Mylo compares quotes from more than 40 A-rated commercial insurers and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples, still without identifying which one would write a given policy. 6 8
Interruption Inside the Bundle
Mylo describes three coverages in the BOP: general liability, commercial property, and business interruption for lost income (actual loss sustained) during a covered shutdown. Gallagher describes general liability plus property for a rented space and equipment, without a separate interruption agreement on the reviewed page. Mylo also says packaging the three typically costs less than buying them separately. 10 6
Shopping Path
Mylo lets you shop online through its Mind of Mylo tool or by phone with a licensed advisor, and says its agents are licensed in all 50 states. Gallagher offers an online quote form, a continental-U.S. weekday advisor line, or a scheduled callback. 8 6
What to Confirm in Business Owner’s Policy Quotes
- Ask Mylo which of the named example carriers, if any, is on your BOP quote. 8
- Ask Gallagher which partner would issue the policy. 6
- Confirm whether business interruption is included on both forms; Gallagher's page does not describe it. 10 6
- Compare Gallagher's published exclusions with Mylo's issued policy. 6 10
Offering Details
Gallagher vs Mylo Business Owner’s Policy: documented features by provider
| Criteria | Gallagher Small Business Owner’s Policy | Mylo Business Owner's Policy |
|---|---|---|
| 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. 6Company-reported. Gallagher Small Business's direct-to-small-business BOP product page. | Mylo brokers a business owner's policy by comparing quotes from multiple carriers rather than underwriting the policy itself. 10,8Company-reported. BOP product page and the business-insurance overview page. |
| Issuing Insurer | The BOP product page does not name the insurer that would issue a given business's policy. 6Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product. | Mylo says it partners with more than 40 A-rated commercial insurance carriers and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples, but neither page identifies which carrier would issue a specific business's BOP. 8Company-reported. Business-insurance overview page FAQ; the carrier panel is described company-wide, not BOP-specific. |
| 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. 6Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting. | Mylo's business-insurance overview page lists a BOP among the coverages most owners start with, alongside commercial auto, workers' compensation and commercial umbrella, and says it gives each business a personalized coverage recommendation. 8Company-reported. Business-insurance overview page. |
| 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. 6Company-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. 6Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued. | Mylo describes its BOP as bundling three coverages: general liability for third-party bodily injury, property damage and advertising-injury claims; commercial property for damage to a business's building and business personal property from causes such as fire, storm, theft or vandalism; and business interruption for lost income (actual loss sustained) during a covered shutdown. 10Company-reported. BOP product page coverage sections; the issued policy and its exclusions control. Mylo says packaging these three coverages in a BOP instead of buying them separately typically costs less and can provide better coverage than buying each individually. 10Company-reported. BOP product page FAQ; a general company statement, not a quoted savings figure for any specific business. |
| Limits and Retentions | The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. 6Not publicly disclosed. Checked the BOP product page on 2026-09-23. | Neither the BOP product page nor the business-insurance overview page publishes specific coverage limits, deductibles or premium ranges. 10,8Not publicly disclosed. Checked both pages on 2026-09-23. |
| 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. 6Company-reported. Product page "Get Covered Now" section. | Mylo says a buyer can shop for a BOP online through its Mind of Mylo recommendation tool or by phone with a licensed advisor (844-863-5950), and that Mylo has agents licensed in all 50 states. 8Company-reported. Business-insurance overview page FAQ. |
Full Comparison
More Gallagher vs Mylo Comparisons
Other Business Owner’s Policy 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.
- 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.
- Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
Mylo
- Business Insurance. Mylo; What insurance does a small business need?; Why Mylo? (40+ top-rated commercial insurance partners, 4.8 Google rating, BBB Accredited); What insurance carriers do you work with?; How do I shop for insurance with Mylo? Accessed 2026-09-23.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Business Owner's Policy. Mylo; Like you, a BOP can do three things at once!; Coverage #1: general liability; Coverage #2: commercial property; Coverage #3: Business Interruption; Business Owner Policy FAQs. Accessed 2026-09-23.
Business Owner’s Policy Guide
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
