Beazley vs Gallagher: How Do They Compare for Professional Liability (E&O) Insurance?

Gallagher's small business unit arranges E&O from partner carriers, reachable by online form, advisor phone line or scheduled callback. Beazley issues its own MediaTech policy, where E&O is packaged with technology, media and cyber coverage.

Gallagher provides small businesses with E&O pricing and underwriting context; Beazley’s MediaTech team reports having handled thousands of E&O claims. ^4,¹

What Are the Key Differences Between Beazley and Gallagher Professional Liability (E&O) Insurance?

Market Pricing Context or Claims Experience

Gallagher’s small-business team discusses E&O rate increases, litigation costs and insurers asking for more underwriting detail. Beazley says its cyber and technology claims team has handled thousands of E&O claims:

Beazley says its cyber and tech claims team, including experienced litigators, has handled thousands of E&O claims, which it describes as including implementation errors alongside software failures and IP disputes. ¹Company-reported. MediaTech product page claims paragraph; outcome and volume figures are Beazley's own description and not independently verified.

Gallagher’s market context can help you prepare for pricing questions; Beazley’s claim history is a company-reported service outcome, not a guarantee about your claim. Ask each what its team would do for your business. ⁴

Quote Route and Product Structure

Gallagher Small Business arranges E&O through partner carriers and sells to small-business owners. Beazley sells professional E&O only within MediaTech, which also includes technology, media and cyber. If you want a broker to arrange E&O, start with Gallagher; if you want the MediaTech bundle and qualify for its definition, ask Beazley for a quote. ⁴ ¹

Quote Terms Not Published

Gallagher does not publish E&O limits, deductibles or premiums. Beazley’s sample form also leaves the Optional Extension Period cost and duration unstated. Ask for both sets of quote-specific terms before deciding. ⁴ ³

What Should You Confirm in Beazley and Gallagher Professional Liability (E&O) Insurance Quotes?

Ask Gallagher which partner carrier will issue your policy and what underwriting details it needs. ⁴
Ask Beazley whether your services fit MediaTech and whether its aggregate is shared across lines. ³
Request limits, premium and retention from both. ⁴ ³
If buying Beazley, ask for the Optional Extension Period duration and cost. ³

Beazley vs Gallagher Professional Liability (E&O) Insurance Compared

Beazley vs Gallagher: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Beazley MediaTech for Small Businesses	Gallagher Small Business Errors and Omissions Insurance
How to Apply	Beazley's MediaTech application asks applicants to describe the professional and technology services they perform, disclose employee count and multi-year US and non-US revenue, and state whether written client contracts include scope-of-work, damages-cap and consequential-damages-disclaimer provisions. ²Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Contractual Controls sections; a completed application does not establish acceptance.	Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. ⁴Company-reported. Product page "Get Covered Now" section.
Coverage Features	The sample MediaTech form covers a Tech & Professional Services Wrongful Act: a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Professional Services, defined as services performed for others for a fee. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control. The sample form's definition of Professional Services excludes services performed as an accountant, architect, surveyor, health care provider, lawyer, insurance or real estate agent or broker, or civil or structural engineer, so those licensed professions are not covered by this professional E&O trigger. ³Company-reported. Sample policy form F00731, 022019 edition, Professional Services definition; a business in one of these excluded professions would need different coverage even if it buys MediaTech.	Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. ⁴Company-reported. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line. Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. ⁴Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.
Role in This Line	Beazley sells professional errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, media liability and cyber coverage. It is not sold as a standalone professional-liability policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address any larger-account professional liability program Beazley may write separately.	Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ⁴Company-reported. Gallagher Small Business's direct-to-small-business E&O product page.

Criteria

Beazley MediaTech for Small Businesses

Gallagher Small Business Errors and Omissions Insurance

How to Apply

Beazley's MediaTech application asks applicants to describe the professional and technology services they perform, disclose employee count and multi-year US and non-US revenue, and state whether written client contracts include scope-of-work, damages-cap and consequential-damages-disclaimer provisions. ²Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Contractual Controls sections; a completed application does not establish acceptance.

Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. ⁴Company-reported. Product page "Get Covered Now" section.

Coverage Features

The sample MediaTech form covers a Tech & Professional Services Wrongful Act: a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Professional Services, defined as services performed for others for a fee. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.

The sample form's definition of Professional Services excludes services performed as an accountant, architect, surveyor, health care provider, lawyer, insurance or real estate agent or broker, or civil or structural engineer, so those licensed professions are not covered by this professional E&O trigger. ³Company-reported. Sample policy form F00731, 022019 edition, Professional Services definition; a business in one of these excluded professions would need different coverage even if it buys MediaTech.

Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. ⁴Company-reported. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line.

Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. ⁴Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.

Role in This Line

Beazley sells professional errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, media liability and cyber coverage. It is not sold as a standalone professional-liability policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address any larger-account professional liability program Beazley may write separately.

Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ⁴Company-reported. Gallagher Small Business's direct-to-small-business E&O product page.