---
title: "Gallagher vs TechInsurance Business Owner’s Policy"
description: "TechInsurance quotes BOPs for firms under $1 million revenue and 100 employees; Gallagher uses broader workspace criteria."
canonical: "https://spot.insure/compare/gallagher-vs-techinsurance/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-techinsurance/business-owners-policy)

# Gallagher vs TechInsurance Business Owner’s Policy

TechInsurance quotes BOPs for firms under $1 million revenue and 100 employees; Gallagher uses broader workspace criteria.

## Research Scope and Use

Use this comparison to evaluate Gallagher and TechInsurance for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

TechInsurance says small businesses typically qualify for a discounted BOP if they have fewer than 100 employees, less than $1 million in yearly revenue, a low-risk industry and a small commercial space. Gallagher Small Business describes almost any small firm with a workspace, staff or equipment as a BOP candidate and places the policy with a partner carrier. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [8](https://www.techinsurance.com/about-us "About TechInsurance") [9](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [11](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Size Screens Versus Open Candidates

TechInsurance publishes size screens for BOP savings. Gallagher's reviewed page does not use those headcount or revenue cutoffs:

TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page, Eligibility requirements for a BOP section..)

Gallagher instead says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment is a candidate. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

### Price Signal and Coverage Lists

TechInsurance reports a median of $83 per month (about $990 a year) among its BOP policyholders. Gallagher's BOP page does not publish premium ranges. TechInsurance says the BOP covers property, third-party accidents, copyright and defamation, theft and vandalism, and product liability, and excludes employee injuries, cyberattacks, business vehicles and, without an endorsement, natural-disaster property damage. Gallagher lists a different exclusion set that includes malpractice, employee discrimination or fraud, and failure to protect sensitive information. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

### Application and Certificate Timing

You request TechInsurance BOP quotes through one online application; licensed agents can add endorsements, and a certificate is typically available the same day you buy. Gallagher offers an online form, advisor phone line or callback, then places the policy with a partner. Neither page names the issuing insurer. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

## What to Confirm in Business Owner’s Policy Quotes

- Check whether your revenue, headcount and occupancy meet TechInsurance's published BOP screens. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")
- Treat TechInsurance's $83 median as book-of-business context, not your rate; Gallagher publishes no median. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")
- Ask both which insurer would issue the policy. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")
- Compare exclusion and endorsement lists, including natural-disaster property on the TechInsurance side. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

## Offering Details

| Criteria | Gallagher Small Business Owner’s Policy | TechInsurance Business Owner's Policy (BOP) |
| --- | --- | --- |
| 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business BOP product page..) | TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) |
| Issuing Insurer | The BOP product page does not name the insurer that would issue a given business's policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Not publicly disclosed; scope: Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product..) | The reviewed page does not name the issuing insurer for a BOP. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Business owner's policy product page as read on 2026-09-23..) |
| 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting..) | TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page, Eligibility requirements for a BOP section..) |
| 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product page coverage overview; the issued policy and its exclusions control..)<br><br>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. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued..) | TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page; general policy description, not a specific policy form..) |
| Limits and Retentions | The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Not publicly disclosed; scope: Checked the BOP product page on 2026-09-23..) | TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) | You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. [10](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) |

## Full Comparison

- [Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Gallagher vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/commercial-auto)
- [Gallagher vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/commercial-property)
- [Gallagher vs TechInsurance Cyber Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/cyber)
- [Gallagher vs TechInsurance D&O Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/directors-officers)
- [Gallagher vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/employment-practices)
- [Gallagher vs TechInsurance Fidelity Bonds](https://spot.insure/compare/gallagher-vs-techinsurance/fidelity-bonds)
- [Gallagher vs TechInsurance General Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/general-liability)
- [Gallagher vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/professional-errors-omissions)
- [Gallagher vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/technology-errors-omissions)
- [Gallagher vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/umbrella-excess)
- [Gallagher vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Gallagher Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-gallagher/business-owners-policy)
- [Alliance Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-techinsurance/business-owners-policy)
- [Amelia Risk vs Gallagher Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-gallagher/business-owners-policy)
- [Amelia Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-techinsurance/business-owners-policy)
- [Chubb vs Gallagher Business Owner’s Policy](https://spot.insure/compare/chubb-vs-gallagher/business-owners-policy)
- [Chubb vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-techinsurance/business-owners-policy)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/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.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [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.
6. [Business Owners Policy](https://www.gallaghersmallbusiness.com/insurance-products/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.
7. [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.

### TechInsurance

8. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
9. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
10. [Business Owner's Policy (BOP) Insurance – Compare Quotes](https://www.techinsurance.com/business-owners-policy). TechInsurance; Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP?. Accessed 2026-09-23.

### Business Owner’s Policy Guide

11. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [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-techinsurance/business-owners-policy.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)