Gallagher Business Insurance Review
Can this insurance broker help your small business find affordable business insurance? Find out if Gallagher's insurance will be a good fit for you.
Gallagher Business Insurance

Total Rating | 4.5 |
---|---|
Pricing | Excellent |
Features | Excellent |
Customer Service | Good |
Reviews | Good |
Pricing
By personalized quote onlyTypes Of Insurance Offered
Basic business coverage + specialized policiesTime To Receive A Quote
VariesGallagher Business Insurance At A Glance
- International insurance brokerage firm
- World’s 4th largest insurance broker (based on revenue)
- Coverage for small businesses through carrier partners
Pros
- Easy online quote process
- Valuable partner perks
- Online claims
- Free useful tools available online
- Broker process provides more insurance options
Cons
- Insurance coverage not provided by Gallagher itself
- Brokerage fees could increase insurance cost
Table of Contents
- What Is Gallagher Business Insurance?
- Gallagher Business Insurance Pricing
- Gallagher Business Insurance Features
- Gallagher Business Insurance Range Of Services
- Specific Size Of Business
- Gallagher Claims
- Customer Service & Support
- Gallagher Business Insurance Reviews
- Final Verdict of Gallagher Business Insurance
- Gallagher Business Insurance FAQs
What Is Gallagher Business Insurance?
Gallagher business insurance is just a part of the offerings from this multinational company. Gallagher is an insurance broker, meaning a company that helps connect consumers and businesses with insurance providers.
But insurance is just the tip of the iceberg when it comes to Gallagher. The international organization known as Gallagher Global Network also provides consulting and risk management services in 150+ countries.
Gallagher’s global reach does not mean this isn’t a good option for small businesses looking for business coverage. Gallagher has a small business insurance team that works with multiple carriers, helping small businesses like yours find the right coverage at the best price.
Gallagher Business Insurance Pricing
Gallagher provides pricing for business insurance through a personalized quote process. That’s standard for the industry because the price you’ll pay for business coverage depends on numerous factors, such as where you’re located, what type of business you’re running, and what types of insurance your business needs.
How To Get A Gallagher Business Insurance Quote
Gallagher makes it fairly easy to obtain a quote for business insurance.
You can start the process online by filling out a quick and easy form.
It took me less than two minutes to enter basic business information, such as my business name and my contact information, and to fill out additional fields with information about my business, such as the business type (i.e., restaurant or warehouse), business entity type (i.e., individual or corporation), time in business, number of employees, annual revenue, and total payroll.
The contact form also asked about my business building, such as its square footage, number of units, if it has sprinklers, and if my business is the sole occupant. I also had to estimate the value of my personal business property (i.e., the value of the contents of the building).
Two final questions dipped into my insurance history: Had my business ever had a policy canceled or non-renewed, and have I been operating without business coverage for more than six months since the business opened?
Overall, this was the best online quote application I’ve seen in the industry. It gives the company detailed information about my business without requiring me to do too much work.
You can also request a callback from a Gallagher broker if you’re not a fan of online forms.
Gallagher Business Insurance Features
Gallagher business insurance customers have access to a client portal called Gallagher Go that offers 24/7 self-service options.
You can use Gallagher Go to obtain a card showing your automobile insurance, locate and change your policy information, start a claim, contact a representative, and download your insurance certificate.

Screenshot of a Gallagher webpage, captured 2/9/2023
Online Filing For Claims
You can use Gallagher’s online client portal to start an insurance claim. You can also contact your agent directly by phone or email.
Gallagher offers a downloadable Claims Reporting Reference Guide that contains useful information about different types of coverage, detailed information on how to proceed following an incident or accident, and sample forms you can use to report and follow up on a wide variety of workplace incidents requiring an insurance claim.
This useful free tool from Gallagher is worth downloading, even if you ultimately obtain insurance from another broker or agent. You won’t be asked or required to provide any information about your business; the download is available to everyone.
Loss Control & Risk Management Planning
Gallagher employs risk management professionals who can partner with your operations and risk management personnel to strategize and supplement your internal resources and capabilities. This process includes analytical reviews of your business’s operational exposures and loss data to uncover trends.
The company also offers onsite and online training, plus webinars to educate and train your employees and managers. These programs are designed to improve workplace safety, ensure compliance with regulations, and mitigate workplace risk.
Gallagher also offers crisis resilience insurance and consulting.
Consulting & Education Tools
Sign up via Gallagher’s subscription center to receive publications, access to webinars, bulletins, and more in the following industries:
- Construction
- Cyber
- Energy
- Financial institutions
- Food and Agribusiness
- Grocery
- Healthcare
- Higher education
- K-12 education
- Law firms
- Life sciences
- Management liability
- Manufacturing
- Marine
- Nonprofit
- Public sector
- Real estate and hospitality
- Risk control safety topics for all industries
- Risk management strategies and resources
- Senior living
- Technology
- Transportation
Note that these subscriptions are not limited only to Gallagher clients.
Perks
Gallagher offers money-saving discounts and perks to its clients. These include significant discounts with UPS, Office Depot, Dark Cubed cybersecurity solutions, Constant Contact email marketing, Lenovo PCs, Heartland Payroll and Payment solutions, Universal Background Screening, prescription savings, and more.
Gallagher Business Insurance Range Of Services
Gallagher’s insurance brokers can help your company find an impressive range of coverage. Remember, however, that Gallagher is a broker and not an insurance carrier. As a broker, Gallagher connects its clients with insurance agents working at partner firms; these insurance firms provide coverage to Gallagher clients.
Let’s start with the basics business policies Gallagher can help small business owners obtain:
Businessowners Policy
The businessowners policy (BOP) Gallagher offers includes basic coverage in one bundled policy. Gallagher’s BOP includes general liability, buildings and property, and business interruption income coverage.
Industrywide, BOP coverage usually comes at a discount vs. the cost of purchasing all the included policies separately. This discount is typically around 10%. Check with your Gallagher contact to ensure the BOP you’re offered delivers a similar discount.
Individual Business Policies
Gallagher can connect small business owners with these additional types of coverage:
- General liability
- Professional liability/Errors and omissions (E&O)
- Buildings and property
- Business auto
- Workers’ compensation
- Directors and officers
- Cyber
- Commercial umbrella
- Employment practices liability
- Flood
- Earthquake
- Crime
Specific Size Of Business
Gallagher serves large multinational customers but also works with small businesses. If you’re looking for business insurance, don’t hesitate to use Gallagher’s fast and simple online process to request a quote.
Gallagher Claims
Gallagher does not offer business insurance coverage itself. When you use Gallagher to search for and obtain business insurance, you’re using Gallagher as an insurance broker. Gallagher connects its clients to a network of insurance agencies. This network includes some top names, like Chubb, Hanover, Hartford, Liberty Mutual, Progressive, Travelers, and Nationwide.
However, when it comes time to file a claim, you can count on Gallagher to support you through the process. You can start your claim online via Gallagher’s website or contact your insurance agent directly.
How To File A Claim With Gallagher Business Insurance
Gallagher publishes a list of insurance partners with their contact number for claims. You can also contact the Gallagher Select Claims team by phone or use Gallagher’s client portal to start your claim.
This range of options should be beneficial to most small business owners. You can report claims 24/7 online or make a human connection, whichever you prefer or whichever makes sense for your particular claim situation.
Customer Satisfaction With Gallagher Claims
Online reviews by customers show numerous instances of difficulty receiving payment on claims. However, we note that Gallagher typically responds to these complaints and resolves them, with apologies, to the customers’ satisfaction.
Customer Service & Support
Gallagher Business Insurance Support | Availability |
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Phone Support | |
Email Support | |
Support Tickets | |
Live Chat | |
Dedicated Support Representative | |
Knowledge Base or Help Center | |
Videos & Tutorials | |
Company Blog | |
Social Media |
You’ll have a good range of options should you need support from Gallagher. The company publishes phone numbers for its headquarters on several different continents.
You’ll find a few self-help options on Gallagher’s website if you prefer that route, too. You can submit a form and request a Gallagher rep contact you. You’ll also connect with an insurance agent who can handle your support needs personally.
Gallagher Business Insurance Reviews
Gallagher is accredited with the Better Business Bureau and maintains an A+ rating there. Customers have filed 79 BBB complaints against Gallagher in the past three years, and the company has a 100% response rate.
It’s important to note that Gallagher offers a range of coverage to businesses as well as personal property and auto coverage to individuals. We sifted through the comments found online to pull out those most relevant to Gallagher businesss insurance.
Negative Gallagher Reviews & Complaints
Keeping in mind that customers are far more likely to post complaints than praise on user review sites, we noted a few patterns among these comments. Here’s a sampling:
- Abrupt cancellations and rate increases
- Difficulty getting claims processed
Positive Gallagher Reviews & Testimonials
With 4,774 total reviews on Trustpilot, Gallagher has 61% of user reviewers awarding the company 5 stars.
- Competitive rates
- Good customer service
- Knowledgeable guidance on coverage
Final Verdict of Gallagher Business Insurance
As an insurance broker rather than a direct agency, Gallagher has a unique ability to recommend the right products, at the right price, for your small business.
Gallagher is an international company, too, so if you do business overseas as well as in the US, it may be worth giving Gallagher’s easy online quote process a try.
Before you contact Gallagher to inquire about business insurance, make sure you know what types of coverage you might need for your business.
Gallagher Business Insurance FAQs
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