---
title: "CFC vs Gallagher Professional Liability (E&O) Insurance"
description: "Gallagher recommends E&O for lawyers and insurance professionals, professions CFC's brochure lists as declined."
canonical: "https://spot.insure/compare/cfc-vs-gallagher/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs Gallagher Professional Liability (E&O) Insurance

Gallagher recommends E&O for lawyers and insurance professionals, professions CFC's brochure lists as declined.

## Research Scope and Use

Use this comparison to evaluate CFC and Gallagher for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Gallagher recommends its E&O coverage for lawyers, accountants and insurance-services professionals, while CFC's brochure lists lawyers and insurance agents among the professions it ordinarily declines for the same type of policy. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## 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. [8](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [9](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [11](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [12](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

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

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. [14](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [15](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [16](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [17](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### Lawyers and Insurance Professionals Land on Opposite Sides

Gallagher recommends E&O for lawyers, accountants and insurance-services professionals among the industries it names. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") CFC's brochure lists lawyers, insurance agents and financial advisors among the professions it ordinarily declines for the same type of policy. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

### What Each Publishes About Price

CFC's brochure publishes a maximum E&O limit of $10,000,000, a $0 minimum deductible and minimum premiums of $475 to $500. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") Gallagher's page instead describes market-wide conditions, saying E&O rates have seen consistent increases that are starting to moderate, without publishing its own limit or premium figures. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

### Getting to a Quote

Gallagher offers an online quote form, a small-business advisor phone line, and a scheduled callback request. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") CFC instead offers a dedicated application form plus digital trading through its Connect platform or API partners, alongside standard broker submissions. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask Gallagher whether your profession would actually be accepted, since declined-profession lists vary by underwriter even for similar-sounding products. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")
- Confirm whether your profession appears on CFC's declined list before relying on its published limits. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")
- Get the issuing insurer for both; neither reviewed page names one. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability")
- Ask Gallagher for actual limit and premium figures, since its page directs buyers to request a quote instead of publishing them. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

## Offering Details

| Criteria | CFC Professional Services | Gallagher Small Business Errors and Omissions Insurance |
| --- | --- | --- |
| Role in This Line | CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure..) | Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business E&O product page..) |
| Issuing Insurer | The reviewed professional liability page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Not publicly disclosed; scope: Professional liability product page and professions brochure as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for this product would need to come from the quote or declarations..) | The E&O product page does not name the insurer that would issue a given business's policy. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Checked the E&O product page on 2026-09-23..) |
| Who It’s For | CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting..) | Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting..) |
| Coverage Features | CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued..)<br><br>Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting..) | 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. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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..)<br><br>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. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page market-commentary section; a general market view, not a quote for any specific business..) |
| Limits and Retentions | CFC's brochure lists maximum limits of $10,000,000 for E&O, $6,000,000 for CGL and $5,000,000 for umbrella, with a $0 minimum deductible, minimum premiums starting at $475-$500 depending on the coverage part, and no revenue threshold for eligibility. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Limits, deductibles, premiums, revenue threshold" section; the terms actually issued depend on underwriting..) | The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Checked the E&O product page on 2026-09-23..) |
| How to Apply | CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") (Evidence: Company-reported; scope: Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole..) | 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. [13](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) |
| Claims Support | CFC lists a named Claims Manager for Professions on its claims team, indicating professional-liability claims are routed to a dedicated professions unit rather than a generalist adjuster. [7](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to this product..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Gallagher](https://spot.insure/compare/cfc-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [CFC vs Gallagher Commercial Property Insurance](https://spot.insure/compare/cfc-vs-gallagher/commercial-property)
- [CFC vs Gallagher Crime Insurance](https://spot.insure/compare/cfc-vs-gallagher/crime)
- [CFC vs Gallagher Cyber Insurance](https://spot.insure/compare/cfc-vs-gallagher/cyber)
- [CFC vs Gallagher D&O Insurance](https://spot.insure/compare/cfc-vs-gallagher/directors-officers)
- [CFC vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/employment-practices)
- [CFC vs Gallagher General Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/general-liability)
- [CFC vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-gallagher/kidnap-ransom)
- [CFC vs Gallagher Product Recall Insurance](https://spot.insure/compare/cfc-vs-gallagher/product-recall)
- [CFC vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-gallagher/representations-warranties)
- [CFC vs Gallagher Tech E&O Insurance](https://spot.insure/compare/cfc-vs-gallagher/technology-errors-omissions)
- [CFC vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/umbrella-excess)
- [Alliance Risk vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/professional-errors-omissions)
- [Alliance Risk vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/professional-errors-omissions)
- [At-Bay vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-cfc/professional-errors-omissions)
- [At-Bay vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-gallagher/professional-errors-omissions)
- [Beazley vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-cfc/professional-errors-omissions)
- [Beazley vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-gallagher/professional-errors-omissions)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
5. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Professional services tile description; Digitally traded Connect section; downloads (brochure, application form). Accessed 2026-09-23.
6. [Miscellaneous professional liability | Product brochure | United States](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf). CFC; Comprehensive errors & omissions cover; Modular package policy; Umbrella liability; At a glance: What we love / What we ordinarily decline; Optional extras; Limits, deductibles, premiums, revenue threshold. Accessed 2026-09-23.
7. [Claims](https://www.cfc.com/en-us/claims/). CFC; Our claims team: Professions team, led by Laura Bennett, Claims Manager, Professions Claims & Kidnap, War & Piracy (KWP). Accessed 2026-09-23.

### Gallagher

8. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
9. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
10. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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.
11. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
12. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
13. [Errors and Omissions Insurance](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/). Gallagher Small Business; What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now. Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

14. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
15. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
16. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
17. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-09-23. 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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