--- title: "Gallagher vs The Hartford" description: "The Hartford offers eligible small-business policies online, by phone and through agents; Gallagher brokers small-business and specialist technology coverage." canonical: "https://thegeneralaverage.com/compare/gallagher-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-25" comparison-pair: "gallagher-vs-the-hartford" provider-a: "gallagher" provider-b: "the-hartford" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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://thegeneralaverage.com/compare/gallagher-vs-the-hartford) ## Agent Guide **What this page is:** Side-by-side comparison of Gallagher and The Hartford as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how Gallagher and The Hartford differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do Gallagher and The Hartford compare? - Which is better for business insurance, Gallagher or The Hartford? - Does Gallagher or The Hartford offer the coverage lines I need? - What service and claims differences are documented between Gallagher and The Hartford? **Key facts:** - Providers compared: Gallagher and The Hartford. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 28 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-25. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [Gallagher profile](https://thegeneralaverage.com/insurance-providers/gallagher) — provider profile (evidence for this comparison) - [The Hartford profile](https://thegeneralaverage.com/insurance-providers/the-hartford) — provider profile (evidence for this comparison) - [Gallagher Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/gallagher/business-owners-policy) — one provider's documented offering for a shared coverage line - [The Hartford Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/the-hartford/business-owners-policy) — one provider's documented offering for a shared coverage line - [Gallagher Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/commercial-auto) — one provider's documented offering for a shared coverage line - [The Hartford Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-auto) — one provider's documented offering for a shared coverage line - [Gallagher Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/commercial-property) — one provider's documented offering for a shared coverage line - [The Hartford Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-property) — one provider's documented offering for a shared coverage line - [Gallagher Crime Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/crime) — one provider's documented offering for a shared coverage line - [The Hartford Crime Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/crime) — one provider's documented offering for a shared coverage line - [Gallagher Cyber Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/cyber) — one provider's documented offering for a shared coverage line - [The Hartford Cyber Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/cyber) — one provider's documented offering for a shared coverage line - [Gallagher D&O Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/directors-officers) — one provider's documented offering for a shared coverage line - [The Hartford D&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/directors-officers) — one provider's documented offering for a shared coverage line - [Gallagher Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/employment-practices) — one provider's documented offering for a shared coverage line - [The Hartford Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/employment-practices) — one provider's documented offering for a shared coverage line - [Gallagher Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/fiduciary) — one provider's documented offering for a shared coverage line - [The Hartford Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/fiduciary) — one provider's documented offering for a shared coverage line - [Gallagher General Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/general-liability) — one provider's documented offering for a shared coverage line - [The Hartford General Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/general-liability) — one provider's documented offering for a shared coverage line - [Gallagher Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/kidnap-ransom) — one provider's documented offering for a shared coverage line - [The Hartford Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/kidnap-ransom) — one provider's documented offering for a shared coverage line - [Gallagher Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [The Hartford Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Gallagher Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [The Hartford Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [Gallagher Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/umbrella-excess) — one provider's documented offering for a shared coverage line - [The Hartford Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/umbrella-excess) — one provider's documented offering for a shared coverage line - [Gallagher Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/workers-compensation) — one provider's documented offering for a shared coverage line - [The Hartford Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/workers-compensation) — one provider's documented offering for a shared coverage line - [AIG vs Gallagher](https://thegeneralaverage.com/compare/aig-vs-gallagher) — sibling comparison - [AIG vs The Hartford](https://thegeneralaverage.com/compare/aig-vs-the-hartford) — sibling comparison - [Alliance Risk vs Gallagher](https://thegeneralaverage.com/compare/alliance-risk-vs-gallagher) — sibling comparison - [Alliance Risk vs The Hartford](https://thegeneralaverage.com/compare/alliance-risk-vs-the-hartford) — sibling comparison - [Amelia Risk vs Gallagher](https://thegeneralaverage.com/compare/amelia-risk-vs-gallagher) — sibling comparison - [Amelia Risk vs The Hartford](https://thegeneralaverage.com/compare/amelia-risk-vs-the-hartford) — sibling comparison - [Aon vs Gallagher](https://thegeneralaverage.com/compare/aon-vs-gallagher) — sibling comparison - [Aon vs The Hartford](https://thegeneralaverage.com/compare/aon-vs-the-hartford) — sibling comparison - [Armilla vs Gallagher](https://thegeneralaverage.com/compare/armilla-vs-gallagher) — sibling comparison - [Armilla vs The Hartford](https://thegeneralaverage.com/compare/armilla-vs-the-hartford) — sibling comparison - [At-Bay vs Gallagher](https://thegeneralaverage.com/compare/at-bay-vs-gallagher) — sibling comparison - [At-Bay vs The Hartford](https://thegeneralaverage.com/compare/at-bay-vs-the-hartford) — sibling comparison - [The Baldwin Group vs Gallagher](https://thegeneralaverage.com/compare/baldwin-vs-gallagher) — sibling comparison - [The Baldwin Group vs The Hartford](https://thegeneralaverage.com/compare/baldwin-vs-the-hartford) — sibling comparison - [Beazley vs Gallagher](https://thegeneralaverage.com/compare/beazley-vs-gallagher) — sibling comparison - [Beazley vs The Hartford](https://thegeneralaverage.com/compare/beazley-vs-the-hartford) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Gallagher](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-gallagher) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs The Hartford](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford) — sibling comparison - [biBerk vs Gallagher](https://thegeneralaverage.com/compare/biberk-vs-gallagher) — sibling comparison - [biBerk vs The Hartford](https://thegeneralaverage.com/compare/biberk-vs-the-hartford) — sibling comparison - [CFC vs Gallagher](https://thegeneralaverage.com/compare/cfc-vs-gallagher) — sibling comparison - [CFC vs The Hartford](https://thegeneralaverage.com/compare/cfc-vs-the-hartford) — sibling comparison - [Chubb vs Gallagher](https://thegeneralaverage.com/compare/chubb-vs-gallagher) — sibling comparison - [Chubb vs The Hartford](https://thegeneralaverage.com/compare/chubb-vs-the-hartford) — sibling comparison - [CNA vs Gallagher](https://thegeneralaverage.com/compare/cna-vs-gallagher) — sibling comparison - [CNA vs The Hartford](https://thegeneralaverage.com/compare/cna-vs-the-hartford) — sibling comparison - [Coalition vs Gallagher](https://thegeneralaverage.com/compare/coalition-vs-gallagher) — sibling comparison - [Coalition vs The Hartford](https://thegeneralaverage.com/compare/coalition-vs-the-hartford) — sibling comparison - [Corgi vs Gallagher](https://thegeneralaverage.com/compare/corgi-vs-gallagher) — sibling comparison - [Corgi vs The Hartford](https://thegeneralaverage.com/compare/corgi-vs-the-hartford) — sibling comparison - [Coterie Insurance vs Gallagher](https://thegeneralaverage.com/compare/coterie-vs-gallagher) — sibling comparison - [Coterie Insurance vs The Hartford](https://thegeneralaverage.com/compare/coterie-vs-the-hartford) — sibling comparison - [Counterpart vs Gallagher](https://thegeneralaverage.com/compare/counterpart-vs-gallagher) — sibling comparison - [Counterpart vs The Hartford](https://thegeneralaverage.com/compare/counterpart-vs-the-hartford) — sibling comparison - [Coverdash vs Gallagher](https://thegeneralaverage.com/compare/coverdash-vs-gallagher) — sibling comparison - [Coverdash vs The Hartford](https://thegeneralaverage.com/compare/coverdash-vs-the-hartford) — sibling comparison - [Cowbell vs Gallagher](https://thegeneralaverage.com/compare/cowbell-vs-gallagher) — sibling comparison - [Cowbell vs The Hartford](https://thegeneralaverage.com/compare/cowbell-vs-the-hartford) — sibling comparison - [Embroker vs Gallagher](https://thegeneralaverage.com/compare/embroker-vs-gallagher) — sibling comparison - [Embroker vs The Hartford](https://thegeneralaverage.com/compare/embroker-vs-the-hartford) — sibling comparison # Gallagher vs The Hartford: How Do They Compare for Business Insurance? The Hartford offers eligible small-business policies online, by phone and through agents; Gallagher brokers small-business and specialist technology coverage. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Gallagher vs The Hartford in Brief Gallagher brokers small-business and specialist technology coverage; The Hartford offers eligible small-business policies through online, phone and agent channels. [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") ## Gallagher and The Hartford Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### Gallagher Reliability Scores Role: Broker. Broker Reliability Score: **5.5/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: 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.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/gallagher/reliability). ### The Hartford Reliability Scores Role: Insurance carrier. Carrier & MGA Reliability Score: **7.3/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); 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.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/the-hartford/reliability). ## Gallagher Review Scores for 2026 Review Score: 9.3 / 10 from 3 rated sources, equally weighted. Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service. - J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study) - Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com) - BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/gallagher/reviews). ## The Hartford Review Scores for 2026 Review Score: 4.9 / 10 from 5 rated sources, equally weighted. The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance) - J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf) - Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/the-hartford/reviews). ## An Overview of Gallagher and The Hartford A bootstrapped SaaS company may begin with a lease or customer request for basic liability, then need technology E&O, cyber or employment-practices coverage. The Hartford offers online small-business and SaaS policies; Gallagher can broker a broader or specialist technology program. [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [21](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") Choose The Hartford if you qualify for its direct small-business policies; choose Gallagher if a broker needs to coordinate multiple required lines. ## What Stands Out About Gallagher and The Hartford? ### Gallagher at a Glance - Technology specialists work with companies from startup through global enterprise. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.) - Get executive-risk and transaction support for needs such as IPOs and M&A. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.) ### The Hartford at a Glance - SaaS and software businesses can start with a small-business package built around a business owner’s policy. [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [37](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [36](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) - Eligible small businesses can start an online quote and purchase flow, call or use an independent agent; commercial auto requires another route. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [21](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) ## Gallagher vs The Hartford Coverage Lines Compared | Coverage Type | Gallagher | The Hartford | | --- | --- | --- | | [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) | Listed: Gallagher arranges builders risk. [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed | | [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Listed: Gallagher arranges business owner’s policies for small businesses. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed: The Hartford offers business owner’s policies combining property and liability coverage. [22](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Listed: Gallagher arranges commercial auto insurance for small businesses. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed: The Hartford offers commercial auto insurance as a business coverage; small businesses cannot currently buy it online and may be quoted through a local agency. [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: Gallagher arranges commercial property insurance for small businesses. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed: The Hartford offers commercial property insurance. [24](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: Gallagher arranges crime insurance. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed: The Hartford offers crime insurance as a management-liability coverage option. [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Gallagher arranges cyber insurance. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed: The Hartford offers cyber insurance and data-breach coverage. [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Gallagher arranges directors and officers liability. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed: The Hartford offers directors and officers liability for private, public and nonprofit organizations. [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [33](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits) | Listed: Gallagher advises small businesses on individual coverage health reimbursement arrangements (ICHRA). | Not listed | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Gallagher arranges employment practices liability. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed: The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York. [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Equipment breakdown](https://thegeneralaverage.com/coverage/equipment-breakdown) | Listed: Gallagher arranges boiler and machinery coverage through its property practice. [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed | | [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Listed: Gallagher arranges fidelity bonds. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Gallagher arranges fiduciary liability. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed: The Hartford offers fiduciary liability as a management-liability coverage option. [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Gallagher arranges general liability insurance for small businesses. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed: The Hartford offers general liability insurance. [23](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto) | Not listed | Listed: The Hartford offers hired and non-owned auto coverage. [31](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | [Intellectual property](https://thegeneralaverage.com/coverage/intellectual-property) | Listed: Gallagher arranges intellectual-property insurance. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed | | [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Listed: Gallagher arranges kidnap and ransom insurance. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed: The Hartford lists kidnap and ransom/extortion among its management-liability coverage options. [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Not listed | Listed: The Hartford offers management-liability packages, including Private Choice Premier. [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Listed: Gallagher arranges product liability insurance. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed | | [Product recall](https://thegeneralaverage.com/coverage/product-recall) | Listed: Gallagher arranges product-recall insurance. [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") | Not listed | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Gallagher arranges professional errors and omissions insurance for small businesses. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed: The Hartford offers professional liability insurance for service businesses. [28](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Listed: Gallagher arranges representations and warranties insurance. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Listed: Gallagher arranges surety bonds. [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") | Not listed | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Gallagher arranges technology errors and omissions insurance for technology businesses. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed: The Hartford offers technology errors and omissions coverage through its FailSafe product. [27](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Not listed | Listed: The Hartford offers inland marine insurance for midsize and large businesses. [36](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: Gallagher arranges umbrella and excess liability. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") | Listed: The Hartford lists commercial umbrella insurance among its business coverage options. [34](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [35](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: Gallagher arranges workers’ compensation insurance for small businesses. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed: The Hartford offers workers’ compensation insurance. [25](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | 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 and The Hartford Coverage, Line by Line - [Gallagher Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/gallagher/business-owners-policy) - [The Hartford Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/the-hartford/business-owners-policy) - [Gallagher Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/commercial-auto) - [The Hartford Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-auto) - [Gallagher Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/commercial-property) - [The Hartford Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-property) - [Gallagher Crime Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/crime) - [The Hartford Crime Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/crime) - [Gallagher Cyber Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/cyber) - [The Hartford Cyber Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/cyber) - [Gallagher D&O Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/directors-officers) - [The Hartford D&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/directors-officers) - [Gallagher Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/employment-practices) - [The Hartford Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/employment-practices) - [Gallagher Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/fiduciary) - [The Hartford Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/fiduciary) - [Gallagher General Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/general-liability) - [The Hartford General Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/general-liability) - [Gallagher Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/kidnap-ransom) - [The Hartford Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/kidnap-ransom) - [Gallagher Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/professional-errors-omissions) - [The Hartford Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions) - [Gallagher Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/technology-errors-omissions) - [The Hartford Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/technology-errors-omissions) - [Gallagher Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/umbrella-excess) - [The Hartford Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/umbrella-excess) - [Gallagher Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/workers-compensation) - [The Hartford Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/workers-compensation) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between Gallagher and the Hartford ### The Online Route Has Product Boundaries The Hartford says eligible buyers can purchase online or by phone without an independent agent, while also offering agent access. Its small-business commercial auto page does not offer that coverage through the same online path, and management-liability materials direct buyers to an agent. Gallagher’s public small-business form starts an advisor inquiry. Ask how any separately handled line will be coordinated with the initial policy. [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") ### A Cyber Add-on and Technology E&O Are Different Proposals The Hartford distinguishes a BOP cyber endorsement, CyberChoice First Response and the FailSafe Technology E&O suite. Gallagher’s technology practice describes combined cyber and technology E&O placements. Ask which exact product addresses liability for the software or services you deliver; “cyber included” does not by itself answer that question. [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [27](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") ### Read the California EPL Footnotes Before Relying on Bundling The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) This restriction doesn’t mean every Hartford EPL option is unavailable in California. It does mean a buyer should request the actual California form rather than carry a national built-in-coverage statement into the quote. Gallagher’s executive-risk practice offers an avenue to discuss EPL alongside D&O and fiduciary risks, with eligibility still to be confirmed. [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") The Hartford’s California page markets specific small-business lines, and a named insurer has regulator-confirmed authority. Neither establishes that every SaaS applicant or specialty form is accepted. [16](https://www.thehartford.com/business-insurance/california "California Business Insurance") [41](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") ## What Should You Confirm in Gallagher and The Hartford Quotes? - Which requested lines are included in the online proposal, and which need an agent or separate application? - Obtain the technology E&O and cyber forms, not just a bundle label or certificate. - What EPL coverage, if any, is actually offered for the California company? - Identify the issuing affiliate and separate producer charges. The Hartford discloses potential producer fees outside premium; Gallagher also discloses fees and commissions. [38](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") ## Gallagher vs The Hartford Services Compared What each provider documents about the services you may need. | Criteria | Gallagher | The Hartford | | --- | --- | --- | | Business role | Startups through global companies can use Gallagher for business insurance, risk-management and benefits consulting, including a dedicated technology practice. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US commercial brokerage and technology practice; company descriptions, not an underwriting designation.; verified: 2026-09-16.)

Former Woodruff Sawyer clients can continue to access legacy client portals through Gallagher after the transition. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name.; verified: 2026-09-16.)

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. [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.; verified: 2026-09-16.) | Small businesses can buy insurance under The Hartford brand through its subsidiaries and independent agents; the brand itself is not the insurer named on the policy. The Hartford Insurance Group, Inc. is the financial holding company behind the brand. [17](https://www.thehartford.com/legal-notice "Legal Notice") [38](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [34](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) | | 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](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [9](https://www.gallaghersmallbusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Public form inspected without submission; no quote, account creation or actual purchase tested.; verified: 2026-09-16.) | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [21](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) | | Availability | California buyers should independently verify authority and product access: Gallagher Small Business publishes license 0D69293 and NPN 19837 for Arthur J. Gallagher Risk Management Services, LLC, but this is company-reported and not proof your risk qualifies. [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") (Evidence: Company-reported; scope: Company-published producer identifiers checked 2026-09-16; California regulator record not verified.; verified: 2026-09-16.)

Get a proposal that names the California producer, insurer and form for each line; reviewed pages do not establish California eligibility or terms for every listed Gallagher product. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") (Evidence: Not found in reviewed sources; scope: Reviewed public sources only; office location, contact availability and US marketing are not coverage eligibility.; verified: 2026-09-16.) | The Hartford states that products are not available in all states or for all businesses, and that listing a writing company as authorized to transact insurance does not guarantee that coverage will be offered. Workers’ compensation pages also say that in some states coverage can be bought only from a state-run program, not from a private insurer such as The Hartford. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [17](https://www.thehartford.com/legal-notice "Legal Notice") [25](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [22](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company availability footnotes and workers’ compensation quiz copy as of 16 September 2026. The reviewed pages did not publish a complete product-by-state matrix for SaaS or BOP.; verified: 2026-09-16.)

The Hartford operates a California small-business insurance page that lists BOP, general liability, workers’ compensation, commercial auto, commercial property and professional liability and says California buyers can get a quote online or by phone. Hartford Fire Insurance Company is independently listed by the California Department of Insurance as an authorized property-and-casualty insurer (NAIC 19682). Those facts do not identify which affiliate would issue a particular California policy or whether a given SaaS risk will be accepted. [16](https://www.thehartford.com/business-insurance/california "California Business Insurance") [41](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [17](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Company-reported; scope: Company California marketing plus CDI company profile accessed 16 September 2026. Office location and nationwide authorization tables were not treated as product eligibility.; verified: 2026-09-16.) | | Servicing and renewals | Ask which Gallagher tools your engagement includes: Go supports client self-service, Submit tracks submissions and documents, and Verify manages certificates. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Company-described technology-practice tools; no logged-in testing or universal account entitlement.; verified: 2026-09-16.)

Former Woodruff Sawyer clients can use separate portals for benefits, policies, claims, certificates and auto ID cards; confirm which login serves your account. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Transition-page descriptions; no portal functionality tested.; verified: 2026-09-16.)

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. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty-practice service description, not a promise for all small-business engagements.; verified: 2026-09-16.) | The Hartford says small-business policyholders can retrieve certificates of insurance online at any time, manage billing and policy details through My Account or its mobile app, and, for workers’ compensation, use pay-as-you-go premium based on actual payroll and a My Workers’ Comp Connection portal. Cyber policyholders are described as having access to a Cyber Center with training and related resources. The reviewed sources did not disclose a published schedule of certificate, endorsement or installment-service fees charged to the insured. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [25](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [28](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [39](https://www.thehartford.com/claims "Insurance Claim Center") (Evidence: Company-reported; scope: Company service descriptions as of 16 September 2026. Availability of a portal is not a measure of service quality.; verified: 2026-09-16.) | | 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. [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") (Evidence: Company-reported; scope: US compensation disclosure; no fee-free or uniform commission assumption.; verified: 2026-09-16.) | The Hartford discloses that it pays independent producers base commissions (a percentage of premium or a fixed amount per policy), and may also pay contingent or supplemental commissions, fees for services, delegated-underwriting compensation and other benefits. Employees who sell insurance may receive extra compensation beyond salary. Producers may charge their own customer fees that are not Hartford premium. The reviewed pages do not publish the commission rate or any Hartford-charged service fee that would apply to a particular buyer’s policy. Published “average premiums” are company-reported estimates, not quotes. [38](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") (Evidence: Company-reported; scope: Producer compensation disclosure and product-page premium footnotes as of 16 September 2026. Missing a fee schedule is not a finding of zero buyer cost beyond premium.; verified: 2026-09-16.) | ## Provider Profiles for Gallagher and The Hartford - [What Is Gallagher?](https://thegeneralaverage.com/insurance-providers/gallagher) - [What Is The Hartford?](https://thegeneralaverage.com/insurance-providers/the-hartford) ## Comparisons Related to Gallagher vs The Hartford - [AIG vs Gallagher](https://thegeneralaverage.com/compare/aig-vs-gallagher) - [AIG vs The Hartford](https://thegeneralaverage.com/compare/aig-vs-the-hartford) - [Alliance Risk vs Gallagher](https://thegeneralaverage.com/compare/alliance-risk-vs-gallagher) - [Alliance Risk vs The Hartford](https://thegeneralaverage.com/compare/alliance-risk-vs-the-hartford) - [Amelia Risk vs Gallagher](https://thegeneralaverage.com/compare/amelia-risk-vs-gallagher) - [Amelia Risk vs The Hartford](https://thegeneralaverage.com/compare/amelia-risk-vs-the-hartford) - [Aon vs Gallagher](https://thegeneralaverage.com/compare/aon-vs-gallagher) - [Aon vs The Hartford](https://thegeneralaverage.com/compare/aon-vs-the-hartford) - [Armilla vs Gallagher](https://thegeneralaverage.com/compare/armilla-vs-gallagher) - [Armilla vs The Hartford](https://thegeneralaverage.com/compare/armilla-vs-the-hartford) - [At-Bay vs Gallagher](https://thegeneralaverage.com/compare/at-bay-vs-gallagher) - [At-Bay vs The Hartford](https://thegeneralaverage.com/compare/at-bay-vs-the-hartford) - [The Baldwin Group vs Gallagher](https://thegeneralaverage.com/compare/baldwin-vs-gallagher) - [The Baldwin Group vs The Hartford](https://thegeneralaverage.com/compare/baldwin-vs-the-hartford) - [Beazley vs Gallagher](https://thegeneralaverage.com/compare/beazley-vs-gallagher) - [Beazley vs The Hartford](https://thegeneralaverage.com/compare/beazley-vs-the-hartford) - [Berkshire Hathaway Specialty Insurance vs Gallagher](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-gallagher) - [Berkshire Hathaway Specialty Insurance vs The Hartford](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford) - [biBerk vs Gallagher](https://thegeneralaverage.com/compare/biberk-vs-gallagher) - [biBerk vs The Hartford](https://thegeneralaverage.com/compare/biberk-vs-the-hartford) - [CFC vs Gallagher](https://thegeneralaverage.com/compare/cfc-vs-gallagher) - [CFC vs The Hartford](https://thegeneralaverage.com/compare/cfc-vs-the-hartford) - [Chubb vs Gallagher](https://thegeneralaverage.com/compare/chubb-vs-gallagher) - [Chubb vs The Hartford](https://thegeneralaverage.com/compare/chubb-vs-the-hartford) - [CNA vs Gallagher](https://thegeneralaverage.com/compare/cna-vs-gallagher) - [CNA vs The Hartford](https://thegeneralaverage.com/compare/cna-vs-the-hartford) - [Coalition vs Gallagher](https://thegeneralaverage.com/compare/coalition-vs-gallagher) - [Coalition vs The Hartford](https://thegeneralaverage.com/compare/coalition-vs-the-hartford) - [Corgi vs Gallagher](https://thegeneralaverage.com/compare/corgi-vs-gallagher) - [Corgi vs The Hartford](https://thegeneralaverage.com/compare/corgi-vs-the-hartford) - [Coterie Insurance vs Gallagher](https://thegeneralaverage.com/compare/coterie-vs-gallagher) - [Coterie Insurance vs The Hartford](https://thegeneralaverage.com/compare/coterie-vs-the-hartford) - [Counterpart vs Gallagher](https://thegeneralaverage.com/compare/counterpart-vs-gallagher) - [Counterpart vs The Hartford](https://thegeneralaverage.com/compare/counterpart-vs-the-hartford) - [Coverdash vs Gallagher](https://thegeneralaverage.com/compare/coverdash-vs-gallagher) - [Coverdash vs The Hartford](https://thegeneralaverage.com/compare/coverdash-vs-the-hartford) - [Cowbell vs Gallagher](https://thegeneralaverage.com/compare/cowbell-vs-gallagher) - [Cowbell vs The Hartford](https://thegeneralaverage.com/compare/cowbell-vs-the-hartford) - [Embroker vs Gallagher](https://thegeneralaverage.com/compare/embroker-vs-gallagher) - [Embroker vs The Hartford](https://thegeneralaverage.com/compare/embroker-vs-the-hartford) ## Sources for Gallagher vs The Hartford ### [Gallagher Official Website](https://www.ajg.com/) 1. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/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](https://www.ajg.com/industries/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](https://www.ajg.com/insurance/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](https://www.ajg.com/about-us/disclosures/). Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16. 5. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 6. [The Right Insurance for Your Small Business](https://www.gallaghersmallbusiness.com/insurance-products/). 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](https://www.gallaghersmallbusiness.com/technology-services/). 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](https://www.gallaghersmallbusiness.com/connect-with-us/). Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16. 9. [Contact Us](https://www.gallaghersmallbusiness.com/contact-us/). Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16. 10. [Casualty Insurance](https://www.ajg.com/insurance/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](https://www.ajg.com/insurance/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](https://www.ajg.com/insurance/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](https://www.ajg.com/insurance/ai-insurance-solutions/). Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16. ### [The Hartford Official Website](https://www.thehartford.com) 14. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16. 15. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16. 16. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16. 17. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16. 18. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16. 19. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16. 20. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 21. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Accessed 2026-09-16. 22. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; products-not-available-in-all-states footnote; last updated May 20, 2026. Accessed 2026-09-16. 23. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; General liability introduction and Get a Quote; stand-alone GL and BOP bundling; products-completed operations; technology-company example; subsidiary-offering disclosure; last updated May 20, 2026. Accessed 2026-09-16. 24. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; property and business-interruption descriptions; technology firms among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16. 25. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; Benefits of The Hartford’s WC Insurance for Employers and Employees; quote route; state-requirement quiz (some states require a state-run program); pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16. 26. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; Cyber insurance and data breach descriptions; BOP-endorsed cyber, CyberChoice First Response and FailSafe; Technology Errors and Omissions Insurance Coverage: FailSafe; Get a quote for cyber insurance; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16. 27. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; Technology Errors and Omissions Insurance Coverage: FailSafe Technology Liability Product Suite (E&O, security, data privacy and network security, personal injury, intellectual property, media liability); software and SaaS buyer classes; last updated September 19, 2024. Accessed 2026-09-16. 28. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Who Needs Professional Liability Insurance Coverage?; industry offering list; miscellaneous professional liability; Errors & Omissions Insurance for Technology Companies; claims-made versus occurrence; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16. 29. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; EPLI introduction; Hartford-provided EPLI; BOP inclusion; Private Choice Premier and Employers Premier Choice; footnote 2: built-in EPL coverage is not available in California, Minnesota, North Dakota or New York, and the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16. 30. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Small-business availability banner: not currently offered online for small businesses, with quotes through a local agency or partner; hired and non-owned auto description; footer product-availability disclosure; last updated August 27, 2026. Accessed 2026-09-16. 31. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hired and non-owned auto offering; liability-only limitations; availability banner; commercial-auto referral disclosure; last updated August 27, 2026. Accessed 2026-09-16. 32. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Opening Private Choice Premier package description (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion) and agent route; Who Does Management Liability Insurance Protect?; Fiduciary Liability Insurance; Crime Insurance; option to add certain coverages to a BOP; management-liability organization sections. Accessed 2026-09-16. 33. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations through Private Choice Premier; management-liability organization sections. Accessed 2026-09-16. 34. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages; about-10-minute quote claim; products not available in all states; coverages offered by P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16. 35. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages (EPL, data breach and others); products-not-available-in-all-states footnote; last updated July 28, 2025. Accessed 2026-09-16. 36. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Inland Marine Insurance Solutions introduction; midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses; Find an Agent or Broker. Accessed 2026-09-16. 37. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16. 38. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16. 39. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16. 40. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16. 41. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16. Updated 2026-09-25. 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](https://thegeneralaverage.com/editorial-policy). 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