What Is Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 1,2,3,4,5
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 8,9
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 11,12
Key Differences in Cyber Insurance
Coverage Scope and Buyer Fit
Gallagher’s small-business material describes coverage for the insured’s own technology or data breach and claims brought by customers, including notification, credit monitoring, legal fees and regulatory fines. Simply Business describes security-event and privacy-regulation risks that may be covered, while leaving details to the policy. Ask Gallagher for the specific carrier wording and Simply Business for its full coverage schedule to compare response and liability terms. 6 10
Industry and Appetite
Gallagher names retail, healthcare, financial services and home repair among small-business groups it sees as frequent targets. Simply Business instead presents eligibility through select buyers of another policy and says availability varies by business and state. If your industry or data exposure is unusual, ask both to confirm appetite before completing a full submission. 6 9
Carrier and Limits
Gallagher says its public small-business material does not identify the issuing carrier or publish policy limits. Simply Business likewise leaves the insurer to the approved placement and gives no cyber limit schedule in the reviewed page. Ask for carrier, limits, retention and defense-cost treatment in the quote documents. 6 10
What to Confirm in Cyber Insurance Quotes
- Have Gallagher identify its proposed insurer, limits and retention, since its public small-business page names no carrier or amounts; request the same details for the approved Simply Business offer. 6 9
- Ask Gallagher which response costs and regulatory fines the form covers, and ask the Simply Business carrier for comparable definitions plus the claim-reporting contact. 6 10
Gallagher and Simply Business Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Gallagher Review Score
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsSimply Business Review Score
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsGallagher vs Simply Business Cyber Insurance Compared
Gallagher vs Simply Business: Cyber Insurance: documented features by provider
| Criteria | Gallagher Cyber Liability Insurance | Cyber liability coverage as an add-on through Simply Business |
|---|---|---|
| Role in This Line | Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. 6,7Company-reported. Small-business cyber product page and the group-level cyber liability page. | Confirm in your quote. |
| Issuing Insurer | Neither the small-business cyber page nor the group-level cyber liability page names the insurer that would issue a given client's policy. 6,7Not publicly disclosed. Checked both pages on 2026-09-23. | Confirm in your quote. |
| Who It’s For | Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. 6Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting. | Simply Business says cyber is available as an added coverage for select businesses purchasing another business policy, with general liability, professional liability and workers’ compensation given as examples. This is not a universal availability promise. 10Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. 6Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. 6Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business. | The cyber page describes security-event and privacy-regulation claim types as risks that may be covered. This is company education; the policy determines coverage, limits, triggers and exclusions. 10Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | Neither page publishes specific cyber coverage limits, retentions or premium ranges; the small-business page's $60 million claim example is an illustrative scenario, not a stated policy limit. 6,7Not publicly disclosed. Checked both pages on 2026-09-23. | Confirm in your quote. |
| Risk Services | For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. 7Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page lists a phone quote route for cyber and also describes an online quote tool. Its Terms say availability varies by state, insurer and business details and binding requires panel-member approval. 10,9Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Related Pages for Gallagher vs Simply Business Cyber Insurance
Cyber Insurance Pages for Gallagher and Simply Business
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Other Cyber Insurance Provider Comparisons
Sources for Gallagher vs Simply Business Cyber Insurance
Sources About 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.
- Cyber Liability Insurance: What is it? Who Needs It? Gallagher Small Business; What is Cyber Insurance?; Do you need cyber liability insurance?; Types of Cyber Liability Insurance (first-party and third-party); Who needs Cyber Liability Insurance; Cyber market trends; Consider this Cyber Liability Insurance claim example. Accessed 2026-09-23.
- Cyber Liability Insurance. Gallagher; Protect your business from cyber threats; We help you prevent, mitigate, manage and recover from a cybersecurity incident: Cyber exposure preparation, Insurance process preparation, Prevention and ongoing cyber risk management, Claims advocacy; Gallagher eRiskHub; dedicated claims team with cyber forensic accountants. Accessed 2026-09-23.
Sources About Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Cyber Insurance. Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395. Accessed 2026-09-29.
Sources for the Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
