---
title: "How Reliable Is Gallagher?"
description: "Gallagher reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score."
canonical: "https://spot.insure/insurance-providers/gallagher/reliability"
page-type: "reliability-article"
updated-at: "2026-09-22"
verified-at: "2026-09-22"
entities: ["Spot"]
---

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, and compare_providers for sourced comparisons. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance-providers/gallagher/reliability)

# How Reliable Is Gallagher?

Gallagher reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.

## Assessment

- **Role:** Broker

- **Scope:** Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.

This partial Broker Spot Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Broker Spot Score:** **5.5/10**
- **Role:** Broker
- **Scope:** Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **15%** of this role’s weighting included. Included: Disclosure Clarity. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

- **Methodology:** [How we calculate the Spot Score](/spot-rating)

- **Provider profile:** [Gallagher](/insurance-providers/gallagher)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| Arthur J. Gallagher Risk Management Services, LLC | US insurance brokerage and producer entity named in the current Gallagher Small Business disclosure. | [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/) |
| Arthur J. Gallagher & Co. | Public parent whose consolidated filing reports brokerage and risk-management segments; not substituted for the assessed LLC's authority or solvency. | [Arthur J. Gallagher & Co. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm) |

## Research summary

Gallagher's current US disclosures identify Arthur J. Gallagher Risk Management Services, LLC as the producer and describe technology, executive-risk and claims-related brokerage services. Gallagher & Co.'s 2025 filing provides audited parent-level brokerage and risk-management figures, while the exact LLC's statutory financial and state-by-state authority remain separate questions. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/), [Technology Insurance](https://www.ajg.com/industries/technology-insurance/), [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/), [Arthur J. Gallagher & Co. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm), [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/)

### Legal Identity

Gallagher Small Business names Arthur J. Gallagher Risk Management Services, LLC as the producer and publishes NPN 19837 and California license 0D69293. Arthur J. Gallagher & Co. is the public parent reporting group results; the parent and the operating LLC are kept separate here. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/), [Arthur J. Gallagher & Co. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm)

### Licensing

The reviewed producer disclosure supplies a national identifier and one California license number, both company-reported. The reviewed Wisconsin regulator guidance identifies the agency lookup path, but Gallagher authority was not independently established. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)

### Financial Strength

Arthur J. Gallagher & Co.'s 2025 Form 10-K reports $13.942 billion of consolidated revenue, including $12.192 billion for brokerage, and $70.665 billion of total assets. These are audited parent-level consolidated figures and do not establish statutory surplus, liquidity or a support obligation for Arthur J. Gallagher Risk Management Services, LLC. [Arthur J. Gallagher & Co. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm)

### Risk Bearing

Gallagher's technology and executive-risk pages describe brokerage, placement and access to insurance products. The reviewed sources do not identify a single insurer for every Gallagher offering; actual paper and capacity remain policy-specific. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/), [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/)

The appointments of the entity actually in scope are on the public register. Texas lists ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES, LLC under NPN 19837 — the producer number Gallagher publishes on its small-business legal page — with General Lines Agency licence 17533, Surplus Lines Agency licence 1347543, Managing General Agency licence 1407243 and a Risk Manager licence all Active, and 501 active appointments among 657 companies. Pennsylvania shows the same NPN with Producer licence 53806 and Non-Resident Surplus Lines licence 68452 Active and 463 active appointments among 553 companies. [Texas Firm Consumer Inquiry - ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES, LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Pennsylvania Firm Consumer Inquiry - ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/)

Those records establish breadth of admitted-market access in two states for the exact assessed entity. They do not establish which insurer writes a technology or executive-risk placement, what share of the book any carrier holds, or any capacity, contingent-commission or reinsurance term. Gallagher’s own 10-K names no insurance company anywhere and describes the capital that covers losses as coming from “underwriting enterprises” it does not own or control; the single market it names, Lloyd’s of London, is reached through the London specialty, wholesale and reinsurance intermediary operations rather than through the assessed LLC. [Texas Firm Consumer Inquiry - ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES, LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Arthur J. Gallagher & Co. Form 10-K for the fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm)

One disclosure that would have added to this could not be read. Gallagher’s US compensation disclosure page, where a contingent- or supplemental-commission carrier list would normally sit, returned a bot-protection block from this review both live and through an archived copy, so Spot records no finding from it rather than assuming its contents. [Arthur J. Gallagher & Co. Form 10-K for the fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm)

### Claims Service

Gallagher's disclosed services include claims-related brokerage and risk-management work, while its compensation disclosure describes commissions, fees and carrier services. These disclosures support an intermediary role and do not make Gallagher the claim-paying insurer. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/), [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/)

### Regulatory Record

The reviewed disclosures do not complete a five-year regulatory conduct result for Arthur J. Gallagher Risk Management Services, LLC. Current state authority and any final orders therefore remain open verification items. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Arthur J. Gallagher Risk Management Services, LLC | US | National Producer Number | 19837 | National Producer Number | Identifier only; NPN does not establish current state authority | Company-reported | 2026-09-21 | [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/) |
| Arthur J. Gallagher Risk Management Services, LLC | California | State license | 0D69293 | producer license as disclosed by Gallagher | Company-reported; current regulator status not independently verified | Company-reported | 2026-09-21 | [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | Not researched | Company disclosure supplies California 0D69293; current regulator authority was not independently established. | [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/) |
| WI | Not researched | Wisconsin OCI's Agent FAQ without establishing a current Gallagher LLC result. | [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) |
| US | Not researched | No complete state-by-state regulator reconciliation was completed. | [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/) |

## Rating dimensions

### Broker Spot Score

Included weighting: **15%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/), [Arthur J. Gallagher & Co. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/), [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/), [Arthur J. Gallagher & Co. Form 10-K for the fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Disclosure Clarity | 2.19 | 15% | 5.47 | [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/), [Arthur J. Gallagher & Co. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [Technology Insurance](https://www.ajg.com/industries/technology-insurance/), [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/), [Arthur J. Gallagher & Co. Form 10-K for the fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm), [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/) |

## Evidence gaps

- Current regulator confirmation of the LLC's state licenses, appointments and responsible-producer authority.
- Entity-specific financial statements and any support or continuity arrangements for the assessed LLC; parent figures are contextual only.
- Policy-specific issuer, capacity and reinsurance mapping.
- Five-year exact-entity regulatory conduct search.
- Appointment evidence for Arthur J. Gallagher Risk Management Services, LLC was retrieved in Texas and Pennsylvania only; no other state register was checked.
- ajg.com was unreachable from this review, live and through an archived copy, including the US compensation disclosure page where a contingent- or supplemental-commission carrier list would normally appear; any carriers it names are unverified.
- Which appointed insurer writes a given Gallagher placement, and on what capacity or compensation terms, is not established by an appointment record.

## Related terms

- [What Is an Insurance Broker?](/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](/insurance-glossary/am-best-rating)

## Sources

- [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/) — Gallagher Small Business; Producer identification: Arthur J. Gallagher Risk Management Services, LLC; NPN 19837; California license 0D69293; accessed 2026-09-21.
- [Technology Insurance](https://www.ajg.com/industries/technology-insurance/) — Arthur J. Gallagher & Co.; Technology industry brokerage solutions including technology E&O, cyber, intellectual property, product liability and benefits; accessed 2026-09-21.
- [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/) — Arthur J. Gallagher & Co.; Insurance broking and placement; D&O, EPL, fiduciary, crime and transactional services; accessed 2026-09-21.
- [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/) — Arthur J. Gallagher & Co.; Commissions, fees, contingent commissions, supplemental commissions and other carrier services; accessed 2026-09-21.
- [Arthur J. Gallagher & Co. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm) — U.S. Securities and Exchange Commission; Fiscal year ended December 31, 2025; brokerage and risk-management segments; total 2025 revenue $13.942 billion, brokerage revenue $12.192 billion, total assets $70.665 billion; accessed 2026-09-21.
- [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) — Wisconsin Office of the Commissioner of Insurance; Agent FAQ, Business Entities/Firms: firm authority depends on its Designated Responsible Licensed Producer and actively held lines; State Based Systems is the lookup path.; accessed 2026-09-21.
- [Arthur J. Gallagher & Co. Form 10-K for the fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/354190/000162828026008662/ajg-20251231.htm) — U.S. Securities and Exchange Commission; Item 1, Business: capital for covering events of loss “is provided by ‘underwriting enterprises’, which we define as insurance companies, reinsurance companies and various other risk-taking entities … that we do not own or control”; and the London specialty, wholesale, underwriting and reinsurance intermediary operations that let clients “access Lloyd’s of London and other international underwriting enterprises”. No insurance company is named anywhere in the filing.; accessed 2026-09-22.
- [Texas Firm Consumer Inquiry - ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES, LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Texas insurance licensing lookup; Firm Consumer Inquiry for the State of Texas, retrieved 22 September 2026: licensee ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES, LLC, NPN 19837. Licences: Managing General Agency licence 1407243, Status Active, original issue 08-30-2006, effective 08-30-2006, expiration 01-21-2027; Risk Manager licence 1434285, Status Active, original issue 03-01-2007, effective 03-01-2007, expiration 01-21-2027; General Lines Agency licence 17533, Status Active, original issue 01-21-2004, effective 01-21-2004, expiration 01-21-2027; (unnamed licence type) licence 2988758, Status Active, original issue 01-26-2007, effective 01-26-2007, expiration 06-30-2027; Surplus Lines Agency licence 1347543, Status Active, original issue 09-14-2005, effective 09-14-2005, expiration 01-21-2027. Qualifications: MGA - Property and Casualty Active (effective 08-30-2006); Property and Casualty Active (effective 01-21-2004); Life, Acc., Health & HMO Active (effective 12-13-2005). Affiliations/Appointments lists 657 companies, 501 of them with an Active appointment row. Active appointments include 4 EVER LIFE INSURANCE COMPANY, Acadia Insurance Company, Ace American Insurance Company, Ace Fire Underwriters Insurance Company, Ace Property and Casualty Insurance Company, ACUITY, A MUTUAL INSURANCE COMPANY, Addison Insurance Company, Affiliated FM Insurance Company, AGCS Marine Insurance Company, AIG Assurance Company, AIG PROPERTY CASUALTY COMPANY, AIU INSURANCE COMPANY, All America Insurance Company, Allianz Global Risks US Insurance Company and 487 more listed on the page.; accessed 2026-09-22.
- [Pennsylvania Firm Consumer Inquiry - ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Pennsylvania insurance licensing lookup; Firm Consumer Inquiry for the State of Pennsylvania, retrieved 22 September 2026: licensee ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES LLC, NPN 19837. Licences: Producer licence 53806, Status Active, original issue 09-01-2003, effective 09-01-2003, expiration 09-01-2027; Non-Resident Surplus Lines licence 68452, Status Active, original issue 08-15-2005, effective 08-15-2005, expiration 08-31-2027; Non-Res Ltd Lines Travel Agy licence 1190382, Status Active, original issue 05-29-2024, effective 05-29-2024, expiration 05-29-2028; (unnamed licence type) licence 25818, Status Inactive, original issue 09-01-1974, effective 09-01-2003, expiration 09-01-2003; Non-Resident Producer Agency licence 53806, Status Inactive, original issue 09-01-2003, effective 09-10-2026, expiration 09-01-2027. Qualifications: Property Active (effective 09-01-2003); Casualty Active (effective 09-01-2003); Life Active (effective 09-01-2003); Accident & Health or Sickness Active (effective 09-01-2003); Property and Casualty Active (effective 08-15-2005); Property and Casualty Inactive (effective 09-01-2003); Accident and Health Inactive (effective 09-01-2003); Property and Allied Lines Inactive (effective 09-01-2003); Casualty and Allied Lines Inactive (effective 09-01-2003); Life and Fixed Annuities Inactive (effective 09-01-2003); Inactive (effective 09-01-2003); Property and Allied Lines Inactive (effective 09-10-2026); Casualty and Allied Lines Inactive (effective 09-10-2026); Accident and Health Inactive (effective 09-10-2026); Life and Fixed Annuities Inactive (effective 09-10-2026). Affiliations/Appointments lists 553 companies, 463 of them with an Active appointment row. Active appointments include 1842 INSURANCE COMPANY, ACADIA INSURANCE COMPANY, ACE AMERICAN INSURANCE COMPANY, ACE FIRE UNDERWRITERS INSURANCE COMPANY, ACE PROPERTY AND CASUALTY INSURANCE COMPANY, ACUITY, A MUTUAL INSURANCE COMPANY, ADDISON INSURANCE COMPANY, AFFILIATED F M INSURANCE COMPANY, AGCS MARINE INSURANCE COMPANY, AIG ASSURANCE COMPANY, AIG PROPERTY CASUALTY COMPANY, AIU INSURANCE COMPANY, ALLEGHENYPOINT INSURANCE COMPANY, ALLIANZ GLOBAL RISKS US INSURANCE COMPANY and 449 more listed on the page.; accessed 2026-09-22.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-providers/gallagher/reliability.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)