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

Gallagher Small Business arranges E&O with partner carriers and takes quote requests by form, phone or callback. Coalition is the fit when you already want cyber, since its E&O only attaches to an Active Cyber quote.

Coalition fits buyers adding MPL to Active Cyber; Gallagher shops standalone E&O with partner carriers and offers online or advisor-assisted quoting. ^1,³

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

Bundled Product Versus Standalone Placement

Coalition sells Miscellaneous Professional Liability only as an add-on to an Active Cyber Insurance quote, not as a stand-alone policy. Gallagher Small Business arranges errors and omissions as its own product, placed with partner carriers rather than combined with another line by default. ¹ ³

Market Commentary

Coalition's reviewed page does not comment on overall E&O market pricing conditions. 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, with insurers now more selective and requiring more detailed underwriting information:

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.

Coverage Scope

Coalition describes MPL as covering defense costs, settlements, judgments and other expenses from professional-services errors and omissions on a duty-to-defend basis. Gallagher describes its E&O coverage responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors, while treating medical malpractice as a separate specialized line. ¹ ³

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

Ask Coalition whether MPL is available without also buying Active Cyber Insurance, since the reviewed page describes it only as an add-on. ¹
Ask Gallagher which partner carrier would underwrite your specific policy. ³
Ask Coalition which insurer would issue the MPL policy, since its disclaimer page has no named "Admitted MPL" section. ²
Ask Gallagher for published limits or premium ranges, since its E&O page directs buyers to request a quote instead. ³

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

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

Criteria	Coalition Miscellaneous Professional Liability (MPL)	Gallagher Small Business Errors and Omissions Insurance
Who It’s For	Coalition markets MPL to any business that performs professional services, naming examples such as consultants, marketing and PR firms, staffing firms, printers, interior decorators, photographers and videographers, and property managers. ¹Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.	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	Coalition sells MPL only as an addition to an Active Cyber Insurance quote, saying it takes just a few extra questions to add, rather than as a stand-alone policy. ¹Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.	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	Coalition says MPL covers defense costs, settlements, judgments, and other expenses from claims of errors and omissions in professional services, including negligence, failure to provide service, and misstatements about the service performed, on a duty-to-defend basis even when the business is not ultimately at fault. ¹Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms.	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	Coalition designs and distributes MPL as an add-on coverage that combines with certain Active Cyber Insurance policies, sold through appointed brokers. ¹Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.	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.