What Does Business Owner’s Policy from Gallagher Cover?

Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. ¹Company-reportedGallagher Small Business's direct-to-small-business BOP product page.

The BOP product page does not name the insurer that would issue a given business's policy. ¹Not publicly disclosedChecked the BOP product page on 2026-09-23; no carrier is named there for this specific product.

Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. ¹Company-reportedProduct page "Do you need a BOP?" criteria; actual acceptance depends on underwriting.

Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. ¹Company-reportedProduct page coverage overview; the issued policy and its exclusions control.

Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. ¹Company-reportedProduct page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.

The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. ¹Not publicly disclosedChecked the BOP product page on 2026-09-23.

Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. ¹Company-reportedProduct page "Get Covered Now" section.