Counterpart vs 
Gallagher: How Do They Compare for Business Insurance?
Counterpart describes quote entry whose binding route remains unclear; Gallagher describes documented commercial application route. Compare their documented roles and service routes, then confirm the insurer and terms for your quote.
Introduction to the Counterpart vs Gallagher Comparison
Counterpart and Gallagher describe different quote routes: quote entry whose binding route remains unclear and documented commercial application route. This comparison helps you match the documented process and business focus to the risk you are placing; it does not determine eligibility or policy terms. 6 25
Buyer Takeaways for Counterpart vs Gallagher
Counterpart Buyer Takeaways
- Counterpart lists private-company and nonprofit D&O, employment practices, fiduciary, crime, professional and lawyers liability, among other lines. 1,9,10,11,12,13,14,15,16,17Company-reported. Current site marketing catalogue checked September 29, 2026. Marketing membership is separate from acceptance of a three-claim line-comparison offering.
- Counterpart’s dashboard shows broker submission statuses from in progress through underwriting review and quote. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.
Gallagher Buyer Takeaways
- Technology specialists work with companies from startup through global enterprise. 19,24Company-reported. US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.
- Get executive-risk and transaction support for needs such as IPOs and M&A. 20Company-reported. US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.
Counterpart vs Gallagher Coverage Lines Compared
| Coverage | Counterpart | Gallagher |
|---|---|---|
| Builders risk | Not listed | Listed 28Gallagher arranges builders risk. |
| Business owner’s policy | Not listed | Listed 23Gallagher arranges business owner’s policies for small businesses. |
| Commercial auto | Not listed | Listed 23Gallagher arranges commercial auto insurance for small businesses. |
| Commercial property | Not listed | Listed 23Gallagher arranges commercial property insurance for small businesses. |
| Crime | Listed 13Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy. | Listed 20Gallagher arranges crime insurance. |
| Cyber liability | Not listed | Listed 19Gallagher arranges cyber insurance. |
| Directors and officers | Listed 9,10Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement. | Listed 20Gallagher arranges directors and officers liability. |
| Employee health and benefits | Not listed | Listed Gallagher advises small businesses on individual coverage health reimbursement arrangements (ICHRA). |
| Employment practices liability | Listed 11Named Employment Practices Liability product; examples and policy terms govern. | Listed 20Gallagher arranges employment practices liability. |
| Equipment breakdown | Not listed | Listed 28Gallagher arranges boiler and machinery coverage through its property practice. |
| Fidelity bonds | Not listed | Listed 20Gallagher arranges fidelity bonds. |
| Fiduciary liability | Listed 12Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern. | Listed 20Gallagher arranges fiduciary liability. |
| General liability | Listed 14,17GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL. | Listed 23Gallagher arranges general liability insurance for small businesses. |
| Intellectual property | Not listed | Listed 19Gallagher arranges intellectual-property insurance. |
| Kidnap and ransom | Not listed | Listed 20Gallagher arranges kidnap and ransom insurance. |
| Medical malpractice | Listed 15Allied healthcare liability for named classes; not universal conventional malpractice. | Not listed |
| Product liability | Not listed | Listed 19Gallagher arranges product liability insurance. |
| Product recall | Not listed | Listed 29Gallagher arranges product-recall insurance. |
| Professional errors and omissions (E&O) | Listed 14,16,15,17Several separately scoped professional-liability programs; do not generalize terms across professions. | Listed 23Gallagher arranges professional errors and omissions insurance for small businesses. |
| Representations and warranties | Not listed | Listed 20Gallagher arranges representations and warranties insurance. |
| Surety bonds | Not listed | Listed 24Gallagher arranges surety bonds. |
| Technology errors and omissions (E&O) | Not listed | Listed 19Gallagher arranges technology errors and omissions insurance for technology businesses. |
| Umbrella and excess liability | Not listed | Listed 27Gallagher arranges umbrella and excess liability. |
| Workers’ compensation | Not listed | Listed 23Gallagher arranges workers’ compensation insurance for small businesses. |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Counterpart vs Gallagher Research by Coverage Line
Open what Counterpart and Gallagher each document for one coverage line.
Crime Insurance
D&O Insurance
Employment Practices Liability Insurance
Fiduciary Liability Insurance
General Liability Insurance
Professional Liability (E&O) Insurance
Current Reliability Scores for Counterpart and Gallagher
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Counterpart Reliability Scores
BrokerBroker
No Reliability Score
Gallagher Reliability Scores
BrokerBroker
5.5/ 10Counterpart and Gallagher Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Counterpart Review Score
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.
Read Counterpart reviewsGallagher Review Score
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.
Read Gallagher reviewsKey Differences Between Counterpart and Gallagher
Business Fit and Roles
Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.
Startups through global companies can use Gallagher for business insurance, risk-management and benefits consulting, including a dedicated technology practice. 19,20Company-reported. US commercial brokerage and technology practice; company descriptions, not an underwriting designation.
The buyer starting points differ. Counterpart's published material says: Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. 1 Gallagher's published material says: Gallagher’s technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT and technology firms. 19 Use those descriptions to decide whose underwriting conversation to start; neither one establishes eligibility for your business.
The distinction matters when you need to know who receives the submission, which licensed intermediary can place the risk, and whose name appears as the insurer. Ask both providers to identify the producer, any program or managing entity, and the legal policy issuer for the exact quote; brand-level descriptions do not assign those roles to every policy. 3 19
Getting a Quote
A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.
You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. 25,26Company-reported. Public form inspected without submission; no quote, account creation or actual purchase tested.
The published application descriptions do not establish that your business can complete a quote or bind online. Before comparing convenience, confirm who submits the application, whether an appointed producer is required, what information underwriting needs, and which signed documents or conditions must be satisfied before coverage starts. 6 25
Service After Binding
Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.
Ask which Gallagher tools your engagement includes: Go supports client self-service, Submit tracks submissions and documents, and Verify manages certificates. 19Company-reported. Company-described technology-practice tools; no logged-in testing or universal account entitlement.
Compare the named post-bind contact for certificates, policy changes, renewal questions and claim reporting. A digital account or claim-notice route can help with administration, but it does not decide coverage or establish a claim outcome; get the applicable service contacts and notice deadlines with the proposed policy. 8 19
What Should You Confirm in Counterpart and Gallagher Quotes?
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Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? 3 19
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Does the application route require an appointed broker, a broker-submitted form, or a direct business-owner application, and what event makes coverage effective? 6 25
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For each line you need, what limits, retentions, exclusions, defense terms and endorsements appear in the proposed form, and which service contact handles renewals, changes and claim notices? 8 19
Counterpart vs Gallagher Services Compared
What each provider documents about the services you may need
| Criteria | Counterpart | Gallagher |
|---|---|---|
| Business role | Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role. | Startups through global companies can use Gallagher for business insurance, risk-management and benefits consulting, including a dedicated technology practice. 19,20Company-reported. US commercial brokerage and technology practice; company descriptions, not an underwriting designation. Former Woodruff Sawyer clients can continue to access legacy client portals through Gallagher after the transition. 18Company-reported. Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name. Confirm the entity on your engagement: Gallagher Small Business names Arthur J. Gallagher Risk Management Services, LLC, while former Woodruff Sawyer accounts should check their own documents. 22,18Company-reported. Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion. |
| Application process | A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested. Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested. | You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. 25,26Company-reported. Public form inspected without submission; no quote, account creation or actual purchase tested. |
| Servicing and renewals | Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service. | Ask which Gallagher tools your engagement includes: Go supports client self-service, Submit tracks submissions and documents, and Verify manages certificates. 19Company-reported. Company-described technology-practice tools; no logged-in testing or universal account entitlement. Former Woodruff Sawyer clients can use separate portals for benefits, policies, claims, certificates and auto ID cards; confirm which login serves your account. 18Company-reported. Transition-page descriptions; no portal functionality tested. Gallagher describes pre-renewal meetings across finance, HR, operations and risk teams, plus contract review and coverage-gap analysis; agree on the timeline and deliverables for your account. 27Company-reported. Casualty-practice service description, not a promise for all small-business engagements. |
Provider Profiles for Counterpart and Gallagher
Sources for Counterpart vs Gallagher
Counterpart Official Website
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Licenses & Carriers. Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28. No product/state issuer map. Accessed 2026-09-28.
- Counterpart press articles. Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
- Counterpart application destination. Counterpart; Reached from current homepage Quote Online CTA; the page requires JavaScript and the quote app did not display. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
- What is my application status? Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
- Counterpart Professional Liability. Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
- Private Directors & Officers Liability Insurance. Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
- Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
- Employment Practices Liability Insurance. Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
- Fiduciary Liability Insurance. Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
- Commercial Crime Insurance. Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
- Professional & General Liability. Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
- Allied Medical & Healthcare Liability. Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
- Architects, Engineers, & Contractors Liability. Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
- Lawyers Professional Liability Insurance. Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.
Gallagher Official Website
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Compensation Disclosure. Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- The Right Insurance for Your Small Business. Gallagher Small Business; Choose Your Coverage: Business Owner’s Policy, General Liability, Professional Liability/Errors and Omissions, Buildings and Property, Auto, Workers’ Comp; carrier network placement; contact route. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
- Contact Us. Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
- Casualty Insurance. Gallagher; Holistic approach: Automobile, Workers Compensation, General and Product, Umbrella and Excess; customized excess casualty program design and placement; Robust casualty risk analysis. Accessed 2026-09-16.
- Property Insurance. Gallagher; Introduction on building property programs with underwriters; Our services include: Builder’s risk, Boiler and machinery; global reach; Appraisal services. Accessed 2026-09-16.
- Product Recall Insurance. Gallagher; Product Recall team paragraph: custom Product Recall, Product Contamination and Restaurant Contamination insurance, working directly with carriers; Product recall insurance coverage. Accessed 2026-09-16.
- AI Insurance Solutions. Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.
