Can this broker help your small business find affordable business insurance? Find out if Gallagher's insurance will be a good fit for you.
WRITTEN & RESEARCHED BY
Expert Contributor
Last updated onUpdated
REVIEWED BY
Editor & Senior Staff Writer
| Total Rating |
4.2 |
|---|---|
| Pricing4.2 | |
| Features4.5 | |
| Customer Service3.9 | |
| User Reviews4.1 | |
Pricing
Pricing varies by carrier and coverageCoverage Options
Extensive coverage options through partner carriersQuote Speed
Requires agent consultation (not instant)Table of Contents
Gallagher is an insurance broker, not an insurance agent. That means it connects your business with insurance providers rather than issuing policies directly.
Gallagher’s small business insurance team works with some of the best small business insurance companies, including Chubb, Travelers, The Hartford, and Nationwide, to help you find the best coverage at a competitive price.
Think of the difference between an insurance agent and a broker like this:
Brokers like Gallagher Small Business don’t provide coverage directly. Instead, they connect you with insurers or agents who issue the policy.
While insurance is an added cost, it’s often far less expensive than paying out of pocket for a lawsuit, accident, or disaster.
Pricing4.2 Affordability 5.0 Transparency 2.4
Gallagher provides pricing through a personalized quote process, similar to most brokers and agents.
The cost of your insurance will depend on factors like your business type, location, and number of employees.
Based on available sample quotes, Gallagher’s pricing appears competitive with other providers.
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. This takes just a few minutes and requires information like business type, number of employees, and annual revenue.
Once the form is completed, an advisor will get back to you.
If you don’t want to complete the online form, you can contact Gallagher during business hours or schedule a call at a time that works for you.
Features4.5 Types Of Insurance Offered 4.8 Additional Services 3.8
Gallagher serves a wide range of businesses and offers features that can benefit small business owners.
Here are some standout features Gallagher offers for small businesses:
Gallagher brokers can help your business access a wide range of insurance coverage. However, it’s important to note that Gallagher is a brokerage, not an insurance carrier. It connects clients with partner insurers that issue the policies.
Common coverages Gallagher can help you obtain include:
Gallagher also offers employee benefits solutions, including medical, dental, vision, life, and disability coverage.
Additional services may include HR support such as policy audits, compensation planning, compliance resources, and leadership development.
Personal insurance options, like home, auto, and travel, are available as well.
Maverick Tip: The three main types of business insurance coverage are required, essential, and specialty. Make sure you understand the local, state, or federal insurance coverage requirements for your business before deciding on an insurance agent and coverage options.
Gallagher works with businesses of all sizes, from small companies to large multinational organizations.
If you’re looking for business insurance, Gallagher’s streamlined online process makes it easy to request and compare quotes.
Gallagher stands out for comparison shopping, making it a strong choice for businesses seeking commercial property insurance and other coverage options.
As previously mentioned, Gallagher acts as a broker, connecting clients with a network of insurance carriers.
When it comes time to file a claim, your policy is handled by the insurer. However, Gallagher can assist throughout the claims process.
You can file a claim by:
These options allow for 24/7 online reporting, with phone support available during business hours.
Customer feedback on claims is mixed. Some reviews mention challenges with claim payouts, while others note that Gallagher responds to concerns and works toward resolution.
It’s worth mentioning that Gallagher does respond to complaints to get those resolved.
Customer Service3.9 Ease Of Claim Filing 5.0 Customer Support 2.8
Because Gallagher is a broker and not a direct insurer, some aspects of the claims process depend on the underlying carrier.
When it comes to customer support, Gallagher doesn’t offer 24/7 phone support or live chat options. Support is primarily available during standard business hours, though online resources are accessible at any time.
| Gallagher Business Insurance Customer Service | Availability |
|---|---|
| Phone Support | |
| Email Support | |
| Support Tickets | |
| Live Chat | |
| Dedicated Support Representative | |
| Knowledge Base or Help Center | |
| Videos & Tutorials | |
| Company Blog | |
| Social Media |
Gallagher offers several ways to get support.
The company provides regional contact numbers across multiple continents, making it accessible for businesses with international operations.
You’ll also find self-service options on its website, including contact forms to request assistance. In many cases, you’ll work directly with an agent who can provide ongoing support.
User Reviews4.1 User Feedback 4.0 Review Site Aggregate 4.2
Gallagher is accredited by the Better Business Bureau and holds an A+ rating. Over the past three years, customers have filed 300+ complaints, all of which have received a response.
Because Gallagher offers both business and personal insurance products, we focused on reviews most relevant to its small business insurance services
On Trustpilot, Gallagher has over 3,400 reviews. While reviews are mostly positive, there are a few complaints, including:
Most of Gallagher’s reviews are from customers with personal insurance rather than business insurance. However, we were able to find some business-related reviews and noticed the following trends among them:
Gallagher stands out as a broker with the flexibility to recommend coverage tailored to your business and budget. It offers a wide range of services and works with top insurers to provide multiple coverage options and pricing choices.
Gallagher’s global presence also makes it a strong fit for businesses with international operations.
However, smaller or more local businesses may prefer a simpler experience with a platform like Simply Business.
If you need help deciding, explore our guide to getting business insurance to find the right coverage for your needs.
Business Insurance Starting at $11 Per Month
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With Next Business Insurance, get instant online quotes and coverage across 8 policy types. Discounts available for multiple policies. Learn More.
Business Insurance Starting at $11 Per Month
ERGO NEXT Business Insurance |
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With Next Business Insurance, get instant online quotes and coverage across 8 policy types. Discounts available for multiple policies. Learn More.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
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