--- title: "Gallagher vs The Hartford" description: "Compare Gallagher and The Hartford for a SaaS company evaluating an online small-business package, technology liability and California EPL limitations." canonical: "https://spot.insure/compare/gallagher-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Gallagher", "The Hartford"] --- [Human-readable page](https://spot.insure/compare/gallagher-vs-the-hartford) # Gallagher vs The Hartford Compare Gallagher and The Hartford for a SaaS company evaluating an online small-business package, technology liability and California EPL limitations. ## Research Scope and Use Use this comparison to evaluate Gallagher and The Hartford 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 provides brokerage for technology companies and small businesses. The Hartford’s insurer subsidiaries offer small-business products through online, phone and agent routes, with product-specific exceptions and a California built-in EPL limitation. [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") ## Introduction A bootstrapped SaaS company may begin with a lease or customer request for basic insurance, then discover requirements for technology liability, cyber and employment practices. The Hartford markets an online small-business path and SaaS packages; Gallagher offers small-business and specialist technology brokerage. Compare the complete requirements with the proposed policies before treating an online package as the entire program. [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [21](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [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.) ### The Hartford - The Hartford designs small-business packages for SaaS and other software companies, typically starting from a business owner’s policy. [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [37](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [36](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) - Small-business buyers can start an online quote-and-buy flow or call, or use an independent Hartford agent; commercial auto is not sold on that self-serve path. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [21](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Gallagher | The Hartford | | --- | --- | --- | | Builders risk | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed | | Business owner’s policy | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [22](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial auto | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial property | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [24](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Crime | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Cyber liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Directors and officers | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [33](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | Employee health and benefits | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [37](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") | | Employment practices liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Equipment breakdown | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed | | Fidelity bonds | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed | | Fiduciary liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | General liability | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [23](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Hired and non-owned auto | Not listed | Listed [31](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | Intellectual property | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed | | Kidnap and ransom | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Management liability | Not listed | Listed [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Product liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed | | Product recall | Listed [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") | Not listed | | Professional liability / E&O | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [28](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | Representations and warranties | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed | | Surety bonds | Listed [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") | Not listed | | Technology errors and omissions | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [27](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | Tools, equipment and inland marine | Not listed | Listed [36](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | Umbrella and excess liability | Listed [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") | Listed [34](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [35](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | Workers’ compensation | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [25](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | 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 the Hartford ### The Online Route Has Product Boundaries The Hartford says eligible buyers can purchase online or by phone without an independent agent, while also offering agent access. Its small-business commercial auto page does not offer that coverage through the same online path, and management-liability materials direct buyers to an agent. Gallagher’s public small-business form starts an advisor inquiry. Ask how any separately handled line will be coordinated with the initial policy. [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") ### A Cyber Add-on and Technology E&O Are Different Proposals The Hartford distinguishes a BOP cyber endorsement, CyberChoice First Response and the FailSafe Technology E&O suite. Gallagher’s technology practice describes combined cyber and technology E&O placements. Ask which exact product addresses liability for the software or services you deliver; “cyber included” does not by itself answer that question. [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [27](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") ### Read the California EPL Footnotes Before Relying on Bundling The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) This restriction does not establish that all Hartford EPL options are unavailable in California. It does mean a buyer should request the actual California form rather than carry a national built-in-coverage statement into the quote. Gallagher’s executive-risk practice offers an avenue to discuss EPL alongside D&O and fiduciary risks, with eligibility still to be confirmed. [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") The Hartford’s California page markets specific small-business lines, and a named insurer has regulator-confirmed authority. Neither establishes that every SaaS applicant or specialty form is accepted. [16](https://www.thehartford.com/business-insurance/california "California Business Insurance") [41](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") ## What to Confirm in Quotes - Which requested lines are included in the online proposal, and which need an agent or separate application? - Obtain the technology E&O and cyber forms, not just a bundle label or certificate. - What EPL coverage, if any, is actually offered for the California company? - Identify the issuing affiliate and separate producer charges. The Hartford discloses potential producer fees outside premium; Gallagher also discloses fees and commissions. [38](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") ## Service Comparison Gallagher vs The Hartford: documented services and availability. | Criteria | Gallagher | The Hartford | | --- | --- | --- | | Business role | Gallagher arranges business insurance and provides risk-management and employee-benefits consulting. Its technology practice serves startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US commercial brokerage and technology practice; company descriptions, not an underwriting designation.; verified: 2026-09-16.)

Woodruff Sawyer is now part of Gallagher. Gallagher’s transition page retains access to Woodruff Sawyer client portals. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name.; verified: 2026-09-16.)

Gallagher Small Business identifies Arthur J. Gallagher Risk Management Services, LLC as its insurance-brokerage service provider. The exact producer for a former Woodruff Sawyer account should be confirmed in the engagement documents. [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") (Evidence: Company-reported; scope: Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.; verified: 2026-09-16.) | The Hartford is the brand of The Hartford Insurance Group, Inc., a financial holding company whose subsidiaries underwrite property-and-casualty insurance, employee benefits and other financial products. Independent agents and brokers, and Hartford employees who sell insurance, distribute those products. The brand is not itself the insurer on a policy. [17](https://www.thehartford.com/legal-notice "Legal Notice") [38](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [34](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; 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.) | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [21](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) | | Availability | Gallagher Small Business publishes California license number 0D69293 and National Producer Number 19837 for Arthur J. Gallagher Risk Management Services, LLC. This is a company disclosure, not an independently verified license or confirmation that a particular California risk is eligible. [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") (Evidence: Company-reported; scope: Company-published producer identifiers checked 2026-09-16; California regulator record not verified.; verified: 2026-09-16.)

The reviewed technology, small-business product and producer pages do not establish a California-specific insurer, policy form or eligibility rule for each listed product. Obtain a quote identifying the producer and California placement route. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") (Evidence: Not found in reviewed sources; scope: Reviewed public sources only; office location, contact availability and US marketing are not coverage eligibility.; verified: 2026-09-16.) | The Hartford states that products are not available in all states or for all businesses, and that listing a writing company as authorized to transact insurance does not guarantee that coverage will be offered. Workers’ compensation pages also say that in some states coverage can be bought only from a state-run program, not from a private insurer such as The Hartford. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [17](https://www.thehartford.com/legal-notice "Legal Notice") [25](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [22](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company availability footnotes and workers’ compensation quiz copy as of 16 September 2026. The reviewed pages did not publish a complete product-by-state matrix for SaaS or BOP.; verified: 2026-09-16.)

The Hartford operates a California small-business insurance page that lists BOP, general liability, workers’ compensation, commercial auto, commercial property and professional liability and says California buyers can get a quote online or by phone. Hartford Fire Insurance Company is independently listed by the California Department of Insurance as an authorized property-and-casualty insurer (NAIC 19682). Those facts do not identify which affiliate would issue a particular California policy or whether a given SaaS risk will be accepted. [16](https://www.thehartford.com/business-insurance/california "California Business Insurance") [41](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [17](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Company-reported; scope: Company California marketing plus CDI company profile accessed 16 September 2026. Office location and nationwide authorization tables were not treated as product eligibility.; 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.) | The Hartford says small-business policyholders can retrieve certificates of insurance online at any time, manage billing and policy details through My Account or its mobile app, and, for workers’ compensation, use pay-as-you-go premium based on actual payroll and a My Workers’ Comp Connection portal. Cyber policyholders are described as having access to a Cyber Center with training and related resources. The reviewed sources did not disclose a published schedule of certificate, endorsement or installment-service fees charged to the insured. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [25](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [28](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [39](https://www.thehartford.com/claims "Insurance Claim Center") (Evidence: Company-reported; scope: Company service descriptions as of 16 September 2026. Availability of a portal is not a measure of service quality.; 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.) | The Hartford discloses that it pays independent producers base commissions (a percentage of premium or a fixed amount per policy), and may also pay contingent or supplemental commissions, fees for services, delegated-underwriting compensation and other benefits. Employees who sell insurance may receive extra compensation beyond salary. Producers may charge their own customer fees that are not Hartford premium. The reviewed pages do not publish the commission rate or any Hartford-charged service fee that would apply to a particular buyer’s policy. Published “average premiums” are company-reported estimates, not quotes. [38](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") (Evidence: Company-reported; scope: Producer compensation disclosure and product-page premium footnotes as of 16 September 2026. Missing a fee schedule is not a finding of zero buyer cost beyond premium.; verified: 2026-09-16.) | ## Related Reading - [What Is Gallagher?](https://spot.insure/insurance-providers/gallagher) - [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford) ## Related Comparisons - [Alliance Risk vs Gallagher](https://spot.insure/compare/alliance-risk-vs-gallagher) - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Amelia Risk vs Gallagher](https://spot.insure/compare/amelia-risk-vs-gallagher) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Armilla vs Gallagher](https://spot.insure/compare/armilla-vs-gallagher) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [At-Bay vs Gallagher Insurance](https://spot.insure/compare/at-bay-vs-gallagher) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - [Beazley vs Gallagher](https://spot.insure/compare/beazley-vs-gallagher) - 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[Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford) - [Relm vs The Hartford](https://spot.insure/compare/relm-vs-the-hartford) - [Resilience vs The Hartford](https://spot.insure/compare/resilience-vs-the-hartford) - [RiskCube vs The Hartford](https://spot.insure/compare/riskcube-vs-the-hartford) - [Risklytics vs The Hartford](https://spot.insure/compare/risklytics-vs-the-hartford) - [StartupInsurance.ai vs The Hartford](https://spot.insure/compare/startupinsurance-vs-the-hartford) - [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford) - [The Hartford vs Travelers Insurance](https://spot.insure/compare/the-hartford-vs-travelers) - [The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi) - [The Hartford vs Vouch](https://spot.insure/compare/the-hartford-vs-vouch) - [The Hartford vs WithCoverage](https://spot.insure/compare/the-hartford-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. ### [The Hartford Official Website](https://www.thehartford.com) 14. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); BOP contents; add-ons (workers’ compensation, data breach, commercial auto); cyber, EPLI, technology professional liability mentions; online quote claim; company-reported industry-average premiums footnote. Accessed 2026-09-16. 15. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16. 16. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16. 17. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16. 18. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16. 19. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16. 20. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 21. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Viewed without submitting an application. Accessed 2026-09-16. 22. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; last updated May 20, 2026; products-not-available-in-all-states footnote. Accessed 2026-09-16. 23. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; Stand-alone GL and BOP bundling; products-completed operations; technology-company example; last updated May 20, 2026; subsidiary-offering disclosure referencing the Legal Notice. Accessed 2026-09-16. 24. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Property and business-interruption descriptions; technology firms listed among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16. 25. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; State-requirement quiz noting some states require purchase from a state-run program rather than a private insurer; pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16. 26. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; BOP-endorsed cyber versus CyberChoice First Response versus FailSafe Technology E&O; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16. 27. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; FailSafe Technology Liability Product Suite features including E&O, security, data privacy/network security, personal injury, intellectual property and media liability; software and SaaS-relevant buyer classes; last updated September 19, 2024. Accessed 2026-09-16. 28. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Miscellaneous professional liability and a listed Errors & Omissions Insurance for Technology Companies product; claims-made versus occurrence discussion; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16. 29. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; Hartford-provided EPLI; BOP inclusion claim; Private Choice Premier and Employers Premier Choice; footnotes that built-in EPL coverage is not available in California, Minnesota, North Dakota or New York and that the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16. 30. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Statement that The Hartford does not currently offer this coverage online for small businesses and may route quotes through a local agency or Tivly; hired and non-owned auto description; last updated August 27, 2026. Accessed 2026-09-16. 31. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hartford offering of hired and non-owned auto; liability-only limitations; last updated August 27, 2026. Accessed 2026-09-16. 32. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Private Choice Premier package (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion); option to add certain coverages to a BOP; instruction to find a local agent. Accessed 2026-09-16. 33. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations via Private Choice Premier. Accessed 2026-09-16. 34. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; optional commercial umbrella; about-10-minute quote claim; products not available in all states; coverages may be offered by one or more P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16. 35. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; Commercial umbrella, EPL, data breach and other coverage descriptions; last updated July 28, 2025; products-not-available-in-all-states footnote. Accessed 2026-09-16. 36. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses. Accessed 2026-09-16. 37. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16. 38. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16. 39. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16. 40. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16. 41. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. 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). 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