Amelia Risk vs Gallagher Tech E&O Insurance

Amelia Risk places Tech E&O as a listed line for technology verticals; Gallagher’s Technology practice places combined E&O-and-cyber for a 7,500-client book.

What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. ^1,^2,³

Read the Amelia Risk profile

What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. ^7,^8,^9,^10,¹¹

Read the Gallagher profile

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

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^12,^13,¹⁴

Read the full coverage guide

Key Differences in Tech E&O Insurance

Two Brokerages, Different Practice Scale

Amelia Risk and Gallagher both place Tech E&O rather than underwrite it, and neither reviewed page names the issuing insurer. Amelia Risk lists Technology E&O as its own policy line. Gallagher’s Technology insurance practice places technology E&O with outside carriers and markets it as a single policy combining professional E&O with cyber liability for data breaches, ransomware and privacy violations. ⁴ ⁶ ⁷

Client Book and Verticals

Gallagher says the practice serves startups through global enterprises, reports more than 7,500 technology and telecommunications clients, over $1 billion in annual premium placed, and more than 250 dedicated professionals with named leaders in Rolling Meadows, Illinois. Amelia Risk markets Tech E&O to its technology-industry clients covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies, and says a company should generally consider the line once people are using its technology. ⁷ ⁵ ⁴

Services Around Placement

Gallagher offers Drive, Go, STEP, Submit and Verify tools to technology clients. Amelia Risk applies a four-step brokerage process and says it advocates for a client’s needs during claims as part of that general process. Gallagher’s technology page does not publish limits; Amelia Risk’s Tech E&O pages also do not. ⁷ ⁶ ⁴

What to Confirm in Tech E&O Insurance Quotes

Ask whether Gallagher is placing a combined E&O-and-cyber form or Amelia Risk is placing Tech E&O as its own line. ⁷ ⁶
Get the issuing carrier from both. ⁷ ⁴
Confirm limits and retentions; neither page publishes amounts. ⁷ ⁴
Ask which Gallagher digital tools apply to the Tech E&O placement and how Amelia Risk will advocate on a professional-services claim. ⁷ ⁶

Offering Details

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
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. ^6,⁴Company-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. ⁷Company-reported. Group-level technology industry practice page.
Issuing Insurer	The dedicated Tech E&O page does not name an issuing insurer, wholesale market or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the actual carrier for a Tech E&O placement depends on underwriting. ^4,²Not publicly disclosed. Dedicated Tech E&O page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists.	The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. ⁷Not publicly disclosed. Checked the group-level technology industry practice page.
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. ⁴Company-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. ⁵Company-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. ⁷Company-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. ⁴Company-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. ⁷Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
Limits and Retentions	Not described in the reviewed sources.	The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. ⁷Not publicly disclosed. Checked the group-level technology industry practice page.
Risk Services	Not described in the reviewed sources.	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. ⁷Company-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. ⁷Company-reported. Group-level technology industry practice page.
How to Apply	Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ²Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.	Not described in the reviewed sources.
Claims Support	Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. ²Company-reported. Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service.	Not described in the reviewed sources.

Full Comparison

More Amelia Risk vs Gallagher Comparisons

Other Tech E&O Insurance Comparisons

Sources

Amelia Risk

Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
Our Specialties. Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
Technology Errors and Omissions. Amelia Risk Insurance Brokers; What's covered by a Technology Errors & Omissions Policy?; When should a company buy a Technology Errors & Omissions Policy? Accessed 2026-09-23.
Insurance For Technology Companies. Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: Tech E&O. Accessed 2026-09-16.
Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella. Accessed 2026-09-23.

Gallagher

Technology Insurance for the Tech Industry. 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.
Insurance for Technology & IT Businesses. 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.
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.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.

Tech E&O Insurance Guide

Insurance and Bonding Guidelines. 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.
Technology Errors and Omissions Insurance. 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.
DigiTech Enterprise Risk Management. 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.