Gallagher Cyber Insurance

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. ^1,2Company-reportedSmall-business cyber product page and the group-level cyber liability page.

Neither the small-business cyber page nor the group-level cyber liability page names the insurer that would issue a given client's policy. ^1,2Not publicly disclosedChecked both pages on 2026-09-23.

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. ¹Company-reportedSmall-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting.

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. ¹Company-reportedSmall-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. ¹Company-reportedSmall-business cyber product page market-commentary section; a general market view, not a quote for any specific business.

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. ^1,2Not publicly disclosedChecked both pages on 2026-09-23.

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. ²Company-reportedGroup-level cyber liability page; not confirmed as included with the small-business product.