At-Bay vs Gallagher: How Do They Compare for Tech E&O Insurance?

Gallagher places Tech E&O with outside carriers through a technology practice of more than 250 professionals. At-Bay offers its own Tech E&O product, includes Stance with each policy and takes submissions by email.

At-Bay gives you a known Tech E&O policy with limits up to $10 million for companies with up to $5 billion in revenue, plus built-in Stance security services; Gallagher is a broker that combines E&O and cyber with outside insurers for tech companies of any size. Gallagher says it serves more than 7,500 tech and telecom clients. ^1,^2,^3,⁵

What Are the Key Differences Between At-Bay and Gallagher Tech E&O Insurance?

Known Policy Terms vs a Broker's Combined Placement

At-Bay describes its own Tech E&O policy, covering negligence and contractual indemnity with broader contract and IP terms, for companies with up to $5 billion in revenue and limits up to $10 million. Gallagher's Technology practice places one policy combining professional-services E&O with cyber liability for breaches, ransomware and privacy violations, using outside insurers it doesn't name, and publishes no limits. Choose At-Bay if you want to see the terms and limit ceiling before you apply; choose Gallagher if you're a larger or global tech company that wants E&O and cyber placed together by a broker. ¹ ² ⁵

Security Services vs Broker Scale

Every At-Bay Tech E&O policy includes Stance security services. Gallagher says its Technology practice has more than 250 dedicated staff, more than 7,500 tech and telecom clients and over $1 billion in annual premium placed, and offers client tools such as Gallagher Drive, Go, STEP, Submit and Verify. At-Bay's services help prevent a breach; Gallagher's tools help you manage the insurance program. ¹ ⁵

What Should You Confirm in At-Bay and Gallagher Tech E&O Insurance Quotes?

Ask Gallagher which insurer it's proposing, and ask At-Bay which company issues your policy. ⁵ ¹
Ask whether Gallagher's quote is a combined E&O and cyber form, and whether At-Bay's covers E&O only. ⁵ ¹
Compare limits, retentions and contract and IP wording on both specimens. ⁵ ¹

At-Bay vs Gallagher Tech E&O Insurance Compared

At-Bay vs Gallagher: Tech E&O Insurance: documented features by provider

Criteria	At-Bay Tech E&O Insurance	Gallagher Technology Errors and Omissions (Tech E&O) Insurance
Coverage Features	At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements 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. ⁵Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
Role in This Line	At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.	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.
Risk Services	Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. ¹Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.	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. ⁵Company-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. ⁵Company-reported. Group-level technology industry practice page.

Criteria

At-Bay Tech E&O Insurance

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

Coverage Features

At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements 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. ⁵Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.

Role in This Line

At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.

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.

Risk Services

Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. ¹Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.

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. ⁵Company-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. ⁵Company-reported. Group-level technology industry practice page.