--- title: "Gallagher Business Owner’s Policy" description: "What Gallagher Business Owner’s Policy covers, who it’s for, and how to apply, cited to Gallagher Small Business’s own published sources." canonical: "https://spot.insure/insurance-providers/gallagher/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/gallagher/business-owners-policy) # Gallagher Business Owner’s Policy Gallagher Small Business Owner’s Policy 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. [1](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.) ## Issuing Insurer - **Not publicly disclosed.** The BOP product page does not name the insurer that would issue a given business's policy. [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Scope: Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.) ## 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. [1](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.) ## 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. [1](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.) - 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. [1](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.) ## Limits and Retentions - **Not publicly disclosed.** The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Scope: Checked the BOP product page 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product page "Get Covered Now" section.) ## Gallagher Business Owner’s Policy Compared - [Gallagher vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-gallagher/business-owners-policy) - [Gallagher vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-gallagher/business-owners-policy) - [Gallagher vs Chubb](https://spot.insure/compare/chubb-vs-gallagher/business-owners-policy) - [Gallagher vs Corgi](https://spot.insure/compare/corgi-vs-gallagher/business-owners-policy) - [Gallagher vs Coterie Insurance](https://spot.insure/compare/coterie-vs-gallagher/business-owners-policy) - [Gallagher vs Coverdash](https://spot.insure/compare/coverdash-vs-gallagher/business-owners-policy) ## Other Gallagher Coverage Lines - [Gallagher Commercial Auto Insurance](https://spot.insure/insurance-providers/gallagher/commercial-auto) - [Gallagher Commercial Property Insurance](https://spot.insure/insurance-providers/gallagher/commercial-property) - [Gallagher Crime Insurance](https://spot.insure/insurance-providers/gallagher/crime) - [Gallagher Cyber Insurance](https://spot.insure/insurance-providers/gallagher/cyber) - [Gallagher D&O Insurance](https://spot.insure/insurance-providers/gallagher/directors-officers) - [Gallagher Employee Health Benefits](https://spot.insure/insurance-providers/gallagher/employee-health-benefits) - [Gallagher Employment Practices Liability Insurance](https://spot.insure/insurance-providers/gallagher/employment-practices) - [Gallagher Fiduciary Liability Insurance](https://spot.insure/insurance-providers/gallagher/fiduciary) - [Gallagher General Liability Insurance](https://spot.insure/insurance-providers/gallagher/general-liability) - [Gallagher Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/gallagher/kidnap-ransom) - [Gallagher Product Recall Insurance](https://spot.insure/insurance-providers/gallagher/product-recall) - [Gallagher Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/gallagher/professional-errors-omissions) - [Gallagher Representations and Warranties Insurance](https://spot.insure/insurance-providers/gallagher/representations-warranties) - [Gallagher Surety Bonds](https://spot.insure/insurance-providers/gallagher/surety-bonds) - [Gallagher Tech E&O Insurance](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions) - [Gallagher Workers’ Compensation Insurance](https://spot.insure/insurance-providers/gallagher/workers-compensation) ## Related - [Gallagher Profile](https://spot.insure/insurance-providers/gallagher) - [Gallagher Reliability](https://spot.insure/insurance-providers/gallagher/reliability) - [Gallagher Alternatives](https://spot.insure/insurance-providers/gallagher/alternatives) - [Coverage Guide: Business owner’s policy](https://spot.insure/coverage/business-owners-policy) ## Sources 1. [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. 2. [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. Updated 2026-09-23. 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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