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

Gallagher's technology practice includes more than 250 dedicated professionals and a digital client suite, and it markets one policy combining Tech E&O with cyber. Amelia Risk is a brokerage with a four-step quote-review process.

Gallagher places tech E&O and cyber as one policy, covering both your service mistakes and data breaches, through a practice with more than 7,500 tech clients and 250-plus specialists. Amelia Risk places tech E&O as a separate line for software, robotics, AI, autonomous-vehicle and life-sciences startups. ^5,^3,^1,²

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

Combined E&O and Cyber vs Tech E&O as Its Own Line

Both are brokers and neither names the insurer. Gallagher’s technology practice places tech E&O with outside insurers as a single policy that also covers cyber liability for data breaches, ransomware and privacy violations. Amelia Risk lists technology E&O as its own policy line and says you should generally buy it once people are using your technology. Choose Gallagher if you want your E&O and cyber on one policy; choose Amelia Risk if you are an early-stage deep-tech or life-sciences startup buying tech E&O on its own. ⁵ ¹ ³

Large Tech Practice vs Deep-Tech Startup Focus

Gallagher reports more than 7,500 technology and telecommunications clients, over $1 billion in annual premium placed and more than 250 dedicated professionals, serving startups through global enterprises, with client tools such as Drive, Go, STEP, Submit and Verify. Amelia Risk focuses on software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies, uses a four-step process to shop and review quotes, and says it advocates for you during claims. Neither publishes limits. ⁵ ² ³

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

Ask Gallagher whether you are quoted a combined E&O-and-cyber form, and ask Amelia Risk whether cyber would be a separate policy. ⁵ ³
Ask both which insurer issues the policy. ⁵ ¹
Get limits and retentions from both; neither publishes amounts. ⁵ ¹

Amelia Risk vs Gallagher Tech E&O Insurance Compared

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

Criteria	Technology Errors and Omissions	Gallagher Technology Errors and Omissions (Tech E&O) Insurance
Who It’s For	Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. ¹Company-reported. Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule. Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. ²Company-reported. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold.	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. ⁵Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.
Coverage Features	Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ¹Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.	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. ⁵Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
Role in This Line	Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^3,¹Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ⁵Company-reported. Group-level technology industry practice page.

Criteria

Technology Errors and Omissions

Gallagher Technology Errors and Omissions (Tech E&O) Insurance

Who It’s For

Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. ¹Company-reported. Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule.

Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. ²Company-reported. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold.

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. ⁵Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.

Coverage Features

Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ¹Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.

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. ⁵Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.

Role in This Line

Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^3,¹Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.

Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ⁵Company-reported. Group-level technology industry practice page.