---
title: "AIG vs Gallagher: Tech E&O Insurance"
description: "Gallagher places a blended E&O and cyber policy through outside carriers; AIG markets Technology Services E&O and names its own underwriting and claims resources."
canonical: "https://spot.insure/compare/aig-vs-gallagher/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-gallagher"
provider-a: "aig"
provider-b: "gallagher"
coverage-line: "technology-errors-omissions"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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://spot.insure/compare/aig-vs-gallagher/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of AIG and Gallagher for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Tech E&O Insurance questions about AIG versus Gallagher. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Gallagher for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, AIG or Gallagher?
- What does AIG or Gallagher publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Tech E&O Insurance from AIG or Gallagher?

**Key facts:**
- Line: Tech E&O Insurance. Providers: AIG and Gallagher.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- 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 identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Gallagher](https://spot.insure/compare/aig-vs-gallagher) — parent: all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [AIG vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/aig-vs-gallagher/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Commercial Property Insurance](https://spot.insure/compare/aig-vs-gallagher/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Crime Insurance](https://spot.insure/compare/aig-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Cyber Insurance](https://spot.insure/compare/aig-vs-gallagher/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher D&O Insurance](https://spot.insure/compare/aig-vs-gallagher/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Employee Health Benefits](https://spot.insure/compare/aig-vs-gallagher/employee-health-benefits) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Fidelity Bonds](https://spot.insure/compare/aig-vs-gallagher/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher General Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-gallagher/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Product Recall Insurance](https://spot.insure/compare/aig-vs-gallagher/product-recall) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-gallagher/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-gallagher/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Tech E&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs At-Bay Tech E&O Insurance](https://spot.insure/compare/aig-vs-at-bay/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Tech E&O Insurance](https://spot.insure/compare/aig-vs-beazley/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Tech E&O Insurance](https://spot.insure/compare/aig-vs-cfc/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)

# AIG vs Gallagher: How Do They Compare for Tech E&O Insurance?

Gallagher places a blended E&O and cyber policy through outside carriers; AIG markets Technology Services E&O and names its own underwriting and claims resources.

## How to Use the AIG vs Gallagher Tech E&O Insurance Comparison

Use this comparison to evaluate AIG and Gallagher for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## AIG vs Gallagher Tech E&O Insurance Summary

Gallagher’s technology practice combines professional E&O and cyber in one policy; AIG’s public description focuses on service-performance allegations and does not state that cyber must be bundled. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [5](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [7](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [8](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [11](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [14](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [15](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies")

## What Are the Key Differences Between AIG and Gallagher Tech E&O Insurance?

### Coverage design and fit

AIG describes claims alleging errors or omissions in technology-service performance, including third-party economic loss. Gallagher describes one policy combining professional-services E&O with cyber perils such as data breaches, ransomware, and privacy violations. Companies seeking both exposures in one placement can ask Gallagher how the two sections share limits; those seeking E&O alone should ask AIG whether its quoted form stands separately. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### Eligibility, services, and placement

Gallagher places coverage with outside carriers and reports serving clients from startups to global enterprises, backed by a digital suite for analytics, submissions, and certificates. AIG says its professional-liability claims team includes in-house and third-party experts. The buyer should separate Gallagher’s brokerage tools from AIG’s claims function when comparing service contacts. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## What Should You Confirm in AIG and Gallagher Tech E&O Insurance Quotes?

- Ask AIG Technology to specify the form terms and limits relevant to your technology services. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance")
- Ask Gallagher Technology to confirm how its stated program details apply to your business and proposed policy. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## AIG vs Gallagher Tech E&O Insurance Compared

| Criteria | AIG Technology Services E&O | Gallagher Technology Errors and Omissions (Tech E&O) Insurance |
| --- | --- | --- |
| Role in This Line | AIG markets Technology Services E&O as coverage for technology service providers. AIG is the marketing name; its legal footer says products are written or provided by subsidiaries or affiliates and does not identify the issuer for an individual policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG’s U.S. Professional Liability page’s distinct Technology Services description. This is not a named policy form or issuer assignment..) | Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page..) |
| Issuing Insurer | Confirm in your quote. | The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Not publicly disclosed; scope: Checked the group-level technology industry practice page..) |
| Who It’s For | AIG identifies technology service providers as the target audience for this offering. It does not publish a complete eligible-occupation list or state-by-state appetite on the reviewed page. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Target audience stated in AIG’s Technology Services section; applicant eligibility remains underwriting-specific..) | Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page; company-reported client and premium figures, not independently verified..) |
| Coverage Features | AIG describes coverage for claims alleging errors or omissions in the performance of technology services, including third-party economic-loss allegations. The marketing description does not establish that a specific claim is covered; policy definitions, exclusions and conditions control. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG’s marketing description of Technology Services E&O; no policy form or endorsement was reviewed..) | Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions..) |
| Limits and Retentions | The reviewed page does not state standard limits, retentions or deductibles for Technology Services E&O. Confirm them in the quote and issued policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Not publicly disclosed; scope: AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed..) | The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Not publicly disclosed; scope: Checked the group-level technology industry practice page..) |
| Risk Services | AIG says its professional-liability claims team includes in-house professionals and third-party experts, collaborates with clients during claims, and uses claims data to help evaluate and mitigate loss. These are general company-reported professional-liability services, not a guaranteed outcome for a technology E&O claim. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG Professional Liability page claims description; technology-specific service standards are not stated..) | Gallagher offers technology clients a digital suite including Gallagher Drive for data-driven risk analytics, Gallagher Go as a client self-service portal, Gallagher STEP for online safety training, Gallagher Submit for insurance-submission tracking, and Gallagher Verify for certificate management. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page; not confirmed as included with every tech E&O placement..)<br><br>Gallagher says its Technology insurance practice includes more than 250 dedicated professionals and points to named team leaders reachable at Rolling Meadows, Illinois phone numbers. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page..) |

## Related Pages for AIG vs Gallagher Tech E&O Insurance

- [AIG vs Gallagher](https://spot.insure/compare/aig-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [AIG vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/aig-vs-gallagher/commercial-auto)
- [AIG vs Gallagher Commercial Property Insurance](https://spot.insure/compare/aig-vs-gallagher/commercial-property)
- [AIG vs Gallagher Crime Insurance](https://spot.insure/compare/aig-vs-gallagher/crime)
- [AIG vs Gallagher Cyber Insurance](https://spot.insure/compare/aig-vs-gallagher/cyber)
- [AIG vs Gallagher D&O Insurance](https://spot.insure/compare/aig-vs-gallagher/directors-officers)
- [AIG vs Gallagher Employee Health Benefits](https://spot.insure/compare/aig-vs-gallagher/employee-health-benefits)
- [AIG vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/employment-practices)
- [AIG vs Gallagher Fidelity Bonds](https://spot.insure/compare/aig-vs-gallagher/fidelity-bonds)
- [AIG vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/fiduciary)
- [AIG vs Gallagher General Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/general-liability)
- [AIG vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-gallagher/kidnap-ransom)
- [AIG vs Gallagher Product Recall Insurance](https://spot.insure/compare/aig-vs-gallagher/product-recall)
- [AIG vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-gallagher/professional-errors-omissions)
- [AIG vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-gallagher/representations-warranties)
- [AIG vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/umbrella-excess)
- [AIG vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-gallagher/workers-compensation)
- [AIG vs Alliance Risk Tech E&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/technology-errors-omissions)
- [AIG vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/technology-errors-omissions)
- [AIG vs At-Bay Tech E&O Insurance](https://spot.insure/compare/aig-vs-at-bay/technology-errors-omissions)
- [AIG vs Beazley Tech E&O Insurance](https://spot.insure/compare/aig-vs-beazley/technology-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions)
- [AIG vs CFC Tech E&O Insurance](https://spot.insure/compare/aig-vs-cfc/technology-errors-omissions)

## Sources for AIG vs Gallagher Tech E&O Insurance

### Sources About AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Professional Liability Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability). AIG US; Technology Services description, lines 335–339; claims expertise lines 273–279; broker contact lines 385–389; legal footer policy-language caveat lines 485–489.. Accessed 2026-09-30.

### Sources About Gallagher

4. [Technology Insurance for the Tech Industry](https://www.ajg.com/industries/technology-insurance/). Gallagher; Solutions and coverages for the technology industry: Technology errors and omissions, including cyber liability; 250+ dedicated professionals, 7,500+ technology and telecommunications clients, $1B+ in annual premium; digital suite (Gallagher Drive, Go, STEP, Submit, Verify); Meet the Technology Insurance leaders. Accessed 2026-09-23.
5. [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.
6. [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.
7. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
8. [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.

### Sources for the Tech E&O Insurance Guide

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
10. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
11. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
14. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
15. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.

Updated 2026-09-30. 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://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Review Scores for 2026

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## 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://spot.insure/insurance-providers/gallagher/reviews).

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