Chubb vs 
Gallagher: How Do They Compare for Professional Liability (E&O) Insurance?
Gallagher Small Business arranges E&O with partner carriers, and you start by online form, advisor phone line or callback. Chubb underwrites Pro ERM, which agents and brokers quote on its own platforms.
Gallagher lists licensed professions such as lawyers and insurance professionals; Chubb Pro ERM targets non-licensed firms such as consultants and event planners. 3,1
What Are the Key Differences Between Chubb and Gallagher Professional Liability (E&O) Insurance?
Match Your Profession Before Requesting a Quote
Gallagher recommends E&O for lawyers, insurance professionals and other licensed businesses. Chubb names associations, consultants and event planners as examples of non-licensed firms for Pro ERM. Lawyers and insurance professionals therefore have a clearer fit in Gallagher's stated audience; non-licensed consulting firms can assess Chubb's eligibility. 3 1
Compare the Specific Claims You Need Covered
Gallagher lists alleged negligence, personal injury, copyright infringement and punitive damages among its E&O scenarios. Chubb also lists personal injury and disciplinary-proceedings defense, but does not name copyright infringement or punitive damages on its reviewed page. If copyright or punitive-damage allegations matter to your work, get the applicable policy wording before relying on either description. 3 1
Check Coverage for Past Work and Contractors
Gallagher says its E&O can respond to claims tied to past work, temporary staff or independent contractors. Chubb lists coverage for independent contractors performing duties on the insured's behalf. If you use temporary staff or subcontractors, compare how each quote defines their work and whether past services are included. 3 1
What Should You Confirm in Chubb and Gallagher Professional Liability (E&O) Insurance Quotes?
- Ask Gallagher for the limit and premium for your profession; its page directs buyers to request a quote. 3
- Ask Chubb to confirm your firm's eligibility as a non-licensed business and provide the Pro ERM liability limit. 1
- If you use temporary staff or contractors, compare how each policy treats their work and claims from past services. 3 1
Chubb vs Gallagher Professional Liability (E&O) Insurance Compared
Chubb vs Gallagher: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Chubb Pro ERM (Professional Enterprise Risk Management) | Gallagher Small Business Errors and Omissions Insurance |
|---|---|---|
| Who It’s For | Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. 1Company-reported. Pro ERM Target Clients list. | 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. 3Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting. |
| How to Apply | Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. 1Company-reported. Cyber Insurance Coverage & Products page quoting section. | 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. 3Company-reported. Product page "Get Covered Now" section. |
| Coverage Features | Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. 1Company-reported. Pro ERM Product Features list; subject to the policy as issued. | 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. 3Company-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. 3Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business. |
| Role in This Line | Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. 1Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section. | Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. 3Company-reported. Gallagher Small Business's direct-to-small-business E&O product page. |
