Gallagher vs TechInsurance 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.

TechInsurance arranges general liability insurance for small businesses and describes it as often the first policy small business owners buy. ⁹Company-reported. General liability product page.

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 reviewed page does not name the issuing insurer for a general liability policy; TechInsurance describes returning quotes from multiple carriers rather than naming one upfront. ⁹Not publicly disclosed. General liability product page as read on 2026-09-23.

Not described in the reviewed sources.

TechInsurance targets general liability at small businesses that interact with the public, including those that let customers into a store or office, visit clients' homes or businesses, handle client property, sell products, or advertise online. ⁹Company-reported. General liability product page.

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.

TechInsurance says general liability insurance covers third-party bodily injury, property damage, copyright infringement, defamation (libel or slander), and often includes product liability coverage or the option to add it by endorsement. ⁹Company-reported. General liability product page; general policy description, not a specific policy form.

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.

TechInsurance says nearly 90% of its customers choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit, and that its customers pay a median of $45 per month for the coverage. ⁹Company-reported. General liability product page; a company-reported median and common-limit figure from TechInsurance's own book of business, not a published rate table.

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.

You request general liability quotes online through a short application; TechInsurance says licensed agents in all 50 states are available to help pick a policy, and a certificate of insurance is typically available the same day you buy coverage. ⁹Company-reported. General liability product page application and certificate sections.