Alliance Risk vs Gallagher: How Do They Compare for Tech E&O Insurance?

Gallagher's technology practice has more than 250 professionals and serves startups to global enterprises, with a digital suite for submissions and certificates; Alliance Risk is a Tech E&O specialist that reviews existing policies at no charge.

Alliance Risk specializes in Tech E&O for smaller tech firms, publishing typical limits up to $2 million/$3 million-plus and a $2,500 deductible. Gallagher's technology practice, with over 7,500 tech clients, places E&O and cyber together in one policy but publishes no limits. ^1,²

What Are the Key Differences Between Alliance Risk and Gallagher Tech E&O Insurance?

E&O Only vs E&O and Cyber Together

Both are brokers. Alliance Risk places Tech E&O for failure to perform, errors in deliverables (including AI outputs), IP infringement and data loss from your own mistakes, and treats cyber as a separate policy. Gallagher markets one policy combining E&O with cyber liability for data breaches, ransomware and privacy violations. Choose Gallagher if you want both risks under one policy from a large practice; choose Alliance Risk if you're a smaller firm that wants published pricing guidance and a specialist. ¹ ²

Published Limits vs Practice Scale

Alliance Risk publishes typical limits from $250,000/$500,000 to $2 million/$3 million-plus and a $2,500 standard deductible for small firms. Gallagher reports more than 7,500 technology and telecom clients, over $1 billion in annual premium and more than 250 dedicated staff, from startups to global enterprises, but publishes no limits or retentions. ¹ ²

What Should You Confirm in Alliance Risk and Gallagher Tech E&O Insurance Quotes?

Ask both which insurer issues the policy and whether cyber is included. ¹ ²
Compare Gallagher's quoted limits and deductible with Alliance Risk's typical ranges. ¹ ²
Ask Gallagher whether its analytics and portal tools apply to your policy, and ask Alliance Risk to check your retroactive date in its review. ² ¹

Alliance Risk vs Gallagher Tech E&O Insurance Compared

Alliance Risk vs Gallagher: Tech E&O Insurance: documented features by provider

Criteria	Alliance Risk Tech E&O Insurance	Gallagher Technology Errors and Omissions (Tech E&O) Insurance
Who It’s For	Alliance Risk lists SaaS platforms, AI companies, IT consultants/system integrators/MSPs, software developers, data analytics and business-intelligence firms, IT staffing firms, and IT support/help-desk providers as the businesses that need Tech E&O. ¹Company-reported. Tech E&O page, "Who Needs Tech E&O Insurance?" section.	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. ²Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.
Coverage Features	Alliance Risk describes Tech E&O as covering failure to perform or deliver, errors in deliverables (including AI outputs that are factually wrong or biased), unmet specifications, unintentional IP infringement, product failure and data loss caused by the company's own mistakes, while excluding intentional wrongdoing, bodily injury or property damage, and cyberattacks, which it says require separate cyber coverage. ¹Company-reported. Tech E&O page, "What Tech E&O Insurance Covers" and "Does NOT Cover" sections and the E&O-vs-cyber comparison; the issued policy and declarations control actual terms.	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. ²Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
Role in This Line	Alliance Risk specializes in placing Tech E&O coverage for technology companies that build, deploy or advise using software, describing itself as a specialist placement partner for this line rather than an underwriter. ¹Company-reported. Tech E&O page opening description.	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ²Company-reported. Group-level technology industry practice page.
Risk Services	Alliance Risk offers a no-charge review of an existing Tech E&O policy that identifies coverage gaps, retroactive-date issues and market alternatives, and says it typically delivers proposals within a few business days after reviewing a client's current program. ¹Company-reported. Tech E&O page, "Get Your Tech E&O Risk Review" and "Policy Review" sections.	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. ²Company-reported. Group-level technology industry practice page; not confirmed as included with every tech E&O placement. 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. ²Company-reported. Group-level technology industry practice page.