Chubb vs Gallagher Professional Liability (E&O) Insurance

Gallagher recommends E&O for licensed professions that Chubb's Pro ERM eligibility excludes by design.

What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. ^1,^2,³

Read the Chubb profile

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. ^5,^6,^7,^8,⁹

Read the Gallagher profile

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. ^11,^12,^13,¹⁴

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

Licensed Professions Land on Opposite Sides

Gallagher recommends E&O for lawyers, insurance professionals and other licensed businesses among the industries it names. ¹⁰ Chubb positions Pro ERM specifically for non-licensed professional-services firms, naming associations, consultants and event planners as examples instead. ³

What Each Says the Policy Covers Beyond Negligence

Gallagher says its E&O coverage responds to alleged negligence, personal injury, copyright infringement and punitive damages. ¹⁰ Chubb's Pro ERM page also lists personal injury among its coverage features, but describes disciplinary-proceedings defense and a broadened professional-services definition rather than copyright infringement or punitive damages specifically. ³

Covering Contractors and Temporary Staff

Gallagher says its E&O coverage can respond to claims tied to past work, temporary staff or independent contractors. ¹⁰ Chubb's Pro ERM instead builds coverage for independent contractors performing duties on the insured's behalf directly into the policy's features. ³

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

Confirm whether your business qualifies as "non-licensed" for Chubb's Pro ERM eligibility, or whether Gallagher's broader licensed-profession list fits instead. ³ ¹⁰
Ask Gallagher for actual limit and premium figures, since its page directs buyers to request a quote instead of publishing them. ¹⁰
Confirm Chubb's actual liability limit for Pro ERM, since the reviewed page names defense-cost treatment but not a limit figure. ³
Get the issuing insurer for Gallagher's placement; the reviewed page names no carrier. ¹⁰

Offering Details

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
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. ³Company-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. ¹⁰Company-reported. Gallagher Small Business's direct-to-small-business E&O product page.
Issuing Insurer	Not described in the reviewed sources.	The E&O product page does not name the insurer that would issue a given business's policy. ¹⁰Not publicly disclosed. Checked the E&O product page on 2026-09-23.
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. ³Company-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. ¹⁰Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.
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. ³Company-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. ¹⁰Company-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. ¹⁰Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.
Limits and Retentions	Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. ³Company-reported. Pro ERM Product Features list.	The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ¹⁰Not publicly disclosed. Checked the E&O product page on 2026-09-23.
Risk Services	Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. ³Company-reported. Pro ERM Product Features list.	Not described in the reviewed sources.
How to Apply	Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. ³Company-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. ¹⁰Company-reported. Product page "Get Covered Now" section.

Full Comparison

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Sources

Chubb

Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
Cyber Insurance Coverage & Products. Chubb; Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
Insurance for Software Product & System Developers. Chubb; Financial-lines coverage solutions list for software and systems developers. Accessed 2026-09-23.

Gallagher

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.
Insurance for Technology & IT Businesses. 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.
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.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Errors and Omissions Insurance. 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

FAQ: Professional liability insurance. 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.
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.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. 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.