---
title: "At-Bay vs Gallagher: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-gallagher/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-gallagher"
provider-a: "at-bay"
provider-b: "gallagher"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-gallagher/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of At-Bay 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 At-Bay versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs Gallagher for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, At-Bay or Gallagher?
- What does At-Bay or Gallagher publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: At-Bay and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [At-Bay vs Gallagher](https://spot.insure/compare/at-bay-vs-gallagher) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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 publishes its Tech E&O terms, up to $10 million of limits and built-in security services; Gallagher is a large tech broker that places E&O and cyber together with outside insurers but publishes no limits.

## At-Bay vs Gallagher Tech E&O Insurance Summary

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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [2](https://www.at-bay.com/licenses/ "Licenses") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [2](https://www.at-bay.com/licenses/ "Licenses") [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Ask whether Gallagher's quote is a combined E&O and cyber form, and whether At-Bay's covers E&O only. [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Compare limits, retentions and contract and IP wording on both specimens. [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

## At-Bay vs Gallagher Tech E&O Insurance Compared

| 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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. [5](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..) |
| 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](https://www.at-bay.com/licenses/ "Licenses") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: 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. [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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. [5](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. [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page..) |

## About At-Bay and Gallagher and Tech E&O Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for At-Bay vs Gallagher Tech E&O Insurance

- [At-Bay vs Gallagher](https://spot.insure/compare/at-bay-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.
- [At-Bay Tech E&O Insurance](https://spot.insure/insurance-providers/at-bay/technology-errors-omissions)
- [Gallagher Tech E&O Insurance](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions)

## Sources for At-Bay vs Gallagher Tech E&O Insurance

### Sources About At-Bay

1. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
2. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
3. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
4. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Sources About Gallagher

5. [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.

Updated 2026-09-25. 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.

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