GeneralAverage

Gallagher vs HUB International: How Do They Compare for Business Insurance?

Gallagher and HUB both broker technology and commercial insurance, but their small-business intake routes differ. 2,7,23,21,47

Introduction to the Gallagher vs HUB International Comparison

A startup should learn whether HUB will assign a commercial advisor or route it to Insureon, and whether Gallagher will use its small-business or specialist technology team. That team assignment determines how much account-specific help is available after purchase. 21 7 2 Choose Gallagher if you qualify for its small-business or technology team; choose HUB if its commercial or Insureon route fits your account size.

Buyer Takeaways for Gallagher vs HUB International

Gallagher Buyer Takeaways

  • Technology specialists work with companies from startup through global enterprise. 2,7Company-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. 3Company-reported. US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.

HUB International Buyer Takeaways

  • HUB’s technology practice serves startups and software, hardware and digital-media companies; HUB says it insures more than 5,000 technology businesses. 23Company-reported. Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.
  • Qualifying small businesses can use Insureon’s online quote path; other accounts work with a HUB advisor or local office, with no public self-serve bind path for mid-market programs. 21,24,25,26,23,19Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Gallagher vs HUB International Coverage Lines Compared

CoverageGallagherHUB International
Builders riskListed 11Gallagher arranges builders risk.Listed 23HUB International arranges builders risk insurance.
Business owner’s policyListed 6Gallagher arranges business owner’s policies for small businesses.Listed 31HUB International arranges business owner’s policies for small and midsized businesses.
Cargo and transitNot listedListed 41,23HUB International arranges cargo insurance.
Commercial autoListed 6Gallagher arranges commercial auto insurance for small businesses.Listed 33HUB International arranges commercial auto insurance.
Commercial propertyListed 6Gallagher arranges commercial property insurance for small businesses.Listed 32HUB International arranges commercial property insurance.
CrimeListed 3Gallagher arranges crime insurance.Listed 34,29HUB International arranges commercial crime insurance.
Cyber liabilityListed 2Gallagher arranges cyber insurance.Listed 26,23HUB International arranges cyber insurance.
Directors and officersListed 3Gallagher arranges directors and officers liability.Listed 25,23HUB International arranges directors and officers liability insurance.
Employee health and benefitsListed Gallagher advises small businesses on individual coverage health reimbursement arrangements (ICHRA).Listed 43,14HUB International arranges employee health and benefits programs.
Employment practices liabilityListed 3Gallagher arranges employment practices liability.Listed 29,23HUB International arranges employment practices liability insurance.
Equipment breakdownListed 11Gallagher arranges boiler and machinery coverage through its property practice.Listed 42HUB International arranges equipment breakdown insurance.
Fidelity bondsListed 3Gallagher arranges fidelity bonds.Listed 29HUB International arranges crime and fidelity coverage through its professional and executive risk practice.
Fiduciary liabilityListed 3Gallagher arranges fiduciary liability.Listed 35,29HUB International arranges fiduciary liability insurance.
General liabilityListed 6Gallagher arranges general liability insurance for small businesses.Listed 24HUB International arranges general liability insurance.
Hired and non-owned autoNot listedListed 33HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage.
Intellectual propertyListed 2Gallagher arranges intellectual-property insurance.Not listed
Key personNot listedListed 23HUB International arranges key person life and disability insurance.
Kidnap and ransomListed 3Gallagher arranges kidnap and ransom insurance.Listed 36,29HUB International arranges kidnap and ransom insurance.
Management liabilityNot listedListed 23,29HUB International arranges management liability insurance through its professional and executive risk practice.
Medical malpracticeNot listedListed 38HUB International arranges medical professional liability insurance for health care professionals.
Product liabilityListed 2Gallagher arranges product liability insurance.Listed 40HUB International arranges product liability insurance.
Product recallListed 12Gallagher arranges product-recall insurance.Listed 40HUB International arranges product recall insurance.
Professional errors and omissions (E&O)Listed 6Gallagher arranges professional errors and omissions insurance for small businesses.Listed 27,28HUB International arranges professional errors and omissions insurance.
Representations and warrantiesListed 3Gallagher arranges representations and warranties insurance.Listed 39HUB International arranges representations and warranties insurance.
Surety bondsListed 7Gallagher arranges surety bonds.Listed 37HUB International arranges surety bonds.
Technology errors and omissions (E&O)Listed 2Gallagher arranges technology errors and omissions insurance for technology businesses.Listed 23HUB International arranges technology errors and omissions insurance.
Tools, equipment and inland marineNot listedListed 41HUB International arranges inland marine insurance through its marine practice.
TruckingNot listedListed 33HUB International arranges trucking insurance.
Umbrella and excess liabilityListed 10Gallagher arranges umbrella and excess liability.Listed 40HUB International arranges umbrella and excess liability insurance.
Virtual care and telehealthNot listedListed 44HUB International arranges virtual care insurance for health care organizations.
Workers’ compensationListed 6Gallagher arranges workers’ compensation insurance for small businesses.Listed 30HUB International arranges workers’ compensation insurance.

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.

Gallagher vs HUB International Research by Coverage Line

Open what Gallagher and HUB International each document for one coverage line.

Current Spot Scores for Gallagher and HUB International

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Gallagher and HUB International 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.

Gallagher Review Score

9.3/ 10

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.[2][4][6]

Read Gallagher reviews

HUB International Review Score

5.6/ 10

Review Score

2 rated sources

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]

Read HUB International reviews

Key Differences Between Gallagher and HUB International

The Intake Route Is a Material Part of the Comparison

Businesses with 50 or fewer employees or under $5 million revenue are directed by HUB to Insureon’s online quote; larger or different commercial accounts go to HUB advisors. These are routing guidelines, not a legal small-business definition. 21Company-reported. HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.

Those thresholds describe HUB’s public inquiry routing, not an insurer’s eligibility rules. Gallagher’s reviewed materials do not give an equivalent revenue or employee cutoff for specialist technology engagement. Ask whether your requested scope stays with a small-commercial channel or reaches a technology advisor, and what prompts a transfer later. 21 8 2

Identify the Actual Producer Behind the Channel

Small businesses may reach HUB through its digital Insureon route, acquired in 2022; Insureon and TechInsurance are associated with Specialty Program Group, so the retail account path may differ from HUB’s offices. 17,47,48,49,50Company-reported. Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.

Insureon’s disclosed SPG producer route should not be assigned automatically to a HUB retail-office engagement. Likewise, Gallagher’s small-business producer disclosure does not settle the entity for every former Woodruff Sawyer relationship. The signed engagement should name the producer and the California authority applicable to your account. 18 14 5 1

Specify Tools and Compensation at the Account Level

HUB describes ProEx review services and RMIS capabilities; Gallagher describes technology tools for applications, certificates and vendor compliance. A group-wide capability is not necessarily included in the channel receiving your inquiry. Request the service list and access terms for your proposed account. 29 46 2

Both disclosures describe commissions and possible additional compensation. HUB also identifies strategic-carrier incentives and potential affiliate-wholesaler remuneration. Ask for the complete placement chain and its charges, rather than comparing only a retail advisory fee. 20 4

What Should You Confirm in Gallagher and HUB International Quotes?

  • Which named team receives this account, and what growth event changes that arrangement?
  • Who is the legal producer and who confirms California product eligibility?
  • Are contract review, certificate work and risk-data tools included in this service tier?
  • Will any affiliate or wholesale intermediary participate, and how is each party paid?

Gallagher vs HUB International Services Compared

What each provider documents about the services you may need

CriteriaGallagherHUB International
Customer focus

Gallagher’s technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT and technology firms. 2,7Company-reported. US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.

Ask which service and fee model fits a bootstrapped business because reviewed Gallagher technology and small-business pages set no minimum premium, funding stage or revenue requirement. 2,7,8Not publicly disclosed. Public pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum.

Bay Area technology, venture-capital, healthcare, life-sciences, real-estate and construction businesses can contact HUB’s San Francisco team; this is a local service description, not a product eligibility list. 14,15Company-reported. HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.

Technology companies can ask HUB about E&O, cyber, D&O, transactional coverage, workers’ compensation and benefits; HUB says it currently insures 5,000+ technology companies, a company-reported figure. 23Company-reported. Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.

Businesses with 50 or fewer employees or under $5 million revenue are directed by HUB to Insureon’s online quote; larger or different commercial accounts go to HUB advisors. These are routing guidelines, not a legal small-business definition. 21Company-reported. HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.

Application process

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. 8,9Company-reported. Public form inspected without submission; no quote, account creation or actual purchase tested.

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. 21,24,25,26,23,19Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Servicing and renewals

Ask which Gallagher tools your engagement includes: Go supports client self-service, Submit tracks submissions and documents, and Verify manages certificates. 2Company-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. 1Company-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. 10Company-reported. Casualty-practice service description, not a promise for all small-business engagements.

HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. 29,46,43Company-reported. Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.

Fees and compensation

Request placement-specific compensation because Gallagher may receive commissions, fees, contingent and supplemental commissions or affiliate/intermediary payments; no startup fee schedule is published. 4Company-reported. US compensation disclosure; no fee-free or uniform commission assumption.

Ask for compensation on your proposal: HUB says it receives insurer commissions, contingent and supplemental payments and sometimes client fees, may use affiliated wholesalers, and may earn administration or data fees; it publishes no standard rates. 20Company-reported. Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.

Sources for Gallagher vs HUB International

Gallagher Official Website

  1. 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. 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.
  3. 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.
  4. Compensation Disclosure. Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
  5. Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
  6. 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.
  7. 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.
  8. Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
  9. Contact Us. Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
  10. 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.
  11. 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.
  12. 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.
  13. AI Insurance Solutions. Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.

HUB International Official Website

  1. Insurance Broker San Francisco. HUB International; Page metadata naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16.
  2. HUB International San Francisco 44 Montgomery Street. HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
  3. California Insurance Brokers. HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
  4. About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
  5. Terms and Conditions. HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16.
  6. HUB International Privacy Policy. HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16.
  7. How We Get Paid. HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16.
  8. Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
  9. Business Insurance Broker Coverage Policy. HUB International; Essential coverage and beyond-the-basics product catalog. Accessed 2026-09-16.
  10. Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
  11. General Liability Insurance Brokers. HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16.
  12. Directors and Officers (D&O) Liability Insurance Broker. HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
  13. Cyber Insurance. HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16.
  14. Professional Liability Insurance Brokers. HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
  15. Errors and Omissions (E&O) Insurance Coverage. HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
  16. HUB ProEx. HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; ProEx Coverages: Executive Liability; Cyber, Technology E&O, and Intellectual Property; Financial Institutions; certificates of insurance; claims and legal support; carrier-premium figure; FAQ on management liability and ProEx program structuring. Accessed 2026-09-16.
  17. Workers' Compensation Insurance Brokers. HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16.
  18. Business Owners Policy (BOP) Company Coverage. HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16.
  19. Commercial (Business) Property Insurance Brokers. HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16.
  20. Commercial Auto Insurance Broker Policy & Coverage. HUB International; Coverage that works for you: securing commercial auto and trucking insurance; Hired and non-owned exposures. Accessed 2026-09-16.
  21. Crime Insurance Brokers. HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
  22. Fiduciary Liability Insurance Brokers. HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
  23. Kidnap and Ransom Insurance Brokers. HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16.
  24. Surety Bonds and Surety Bond Insurance for Businesses. HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
  25. Medical Malpractice Insurance Brokers. HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
  26. Mergers & Acquisitions (M&A) Insurance Broker. HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
  27. Comprehensive Casualty Insurance Solutions. HUB International; Casualty Insurance & Risk Financing: General & Product Liability; Umbrella & Excess Liability; workers’ compensation; Ancillary Coverages (product recall); global carrier relationships. Accessed 2026-09-16.
  28. Marine Insurance Broker Policy & Coverage. HUB International; A comprehensive approach to ocean and inland marine insurance; Tailored solutions: Marine Cargo Insurance and Stock Throughput Insurance; related marine liability coverages; domestic and international carriers; inland marine FAQ. Accessed 2026-09-16.
  29. Boiler and Machinery Equipment Insurance Coverage. HUB International; Boiler & Machinery Insurance – Protect Your Equipment and Business: design and negotiation of a tailored equipment-breakdown program. Accessed 2026-09-16.
  30. Employee Benefits Brokers and Consulting Services. HUB International; An Employee Benefits Broker for Changing Times: employee-benefits brokerage and multi-year planning services; tailored solutions; Talk to an Employee Benefits Broker; plan-design FAQ. Accessed 2026-09-16.
  31. Virtual Care Insurance Brokerage Coverage. HUB International; Virtual care insurance and support: risk management and insurance list for virtual care organizations, including medical professional liability, technology E&O, products liability, cyber and management liability. Accessed 2026-09-16.
  32. Insurance Claims Management. HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16.
  33. Risk Management Information System (RMIS). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
  34. About Insureon. Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16.
  35. Insurance Licenses by State. Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16.
  36. Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon. Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16.
  37. About Us | TechInsurance. TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16.
  38. California Department of Insurance License Status Inquiry. California Department of Insurance; Public license-search portal landing page. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. Editorial policy. To suggest a correction, email The General Average with the page URL and supporting source.

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