Coalition vs Gallagher: How Do They Compare for Tech E&O Insurance?

Gallagher is a broker placing tech E&O and cyber as one policy for startups through global enterprises, backed by 250-plus professionals; Coalition designs its own, sold only with its Active Cyber policy through appointed brokers.

Coalition only sells Tech E&O alongside its own Active Cyber policy, with free attack-surface monitoring and one claims team for both. Gallagher is a broker whose Technology practice, with over 7,500 tech and telecom clients, shops a combined E&O-and-cyber policy across insurers for startups through global enterprises. ^1,⁴

What Are the Key Differences Between Coalition and Gallagher Tech E&O Insurance?

One Insurer's Cyber Bundle vs a Broker That Shops Combined Policies

Coalition designs Tech E&O to sit only with its own Active Cyber Insurance and sells it through appointed brokers, so you can't buy the E&O part alone. Gallagher's Technology practice places technology E&O with outside insurers as one policy that pairs professional errors with cyber cover for breaches, ransomware and privacy events. It says it serves over 7,500 tech and telecom clients, from startups to global enterprises. Choose Coalition if you want its cyber policy and security tools; choose Gallagher if you want a large broker to compare several insurers' combined forms. ¹ ⁴

Security Monitoring vs Broker Account Tools

Coalition includes its Control platform at no extra cost, with attack-surface monitoring, vendor-risk monitoring and zero-day alerts, and says one in-house team handles Tech E&O and cyber claims. Gallagher offers account tools (Drive analytics, the Go portal, Submit tracking, Verify certificates and STEP training), which help manage your program but don't monitor your systems. ³ ¹ ⁴

What Should You Confirm in Coalition and Gallagher Tech E&O Insurance Quotes?

Ask Coalition which insurer writes its Tech E&O; it appears to be non-admitted, meaning no state guaranty-fund backing. ²
Ask Gallagher which insurer issues the combined policy and whether E&O and cyber share one limit. ⁴
Get limits and retentions from both; neither publishes them. ⁴ ¹
Ask Gallagher who handles claims on the policy it places. ¹ ⁴

Coalition vs Gallagher Tech E&O Insurance Compared

Coalition vs Gallagher: Tech E&O Insurance: documented features by provider

Criteria	Coalition Technology Errors & Omissions Coverage	Gallagher Technology Errors and Omissions (Tech E&O) Insurance
Who It’s For	Coalition markets Tech E&O to any organization that provides a technology product or service in exchange for a fee, citing exposures such as software downtime and failures in technology services or products. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. ⁴Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.
Coverage Features	Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. ¹Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.	Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. ⁴Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
Role in This Line	Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ⁴Company-reported. Group-level technology industry practice page.
Risk Services	Coalition says Tech E&O policyholders get access to Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring, and zero-day alerts, the same platform provided to cyber policyholders. ^1,³Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23.	Gallagher offers technology clients a digital suite including Gallagher Drive for data-driven risk analytics, Gallagher Go as a client self-service portal, Gallagher STEP for online safety training, Gallagher Submit for insurance-submission tracking, and Gallagher Verify for certificate management. ⁴Company-reported. Group-level technology industry practice page; not confirmed as included with every tech E&O placement. Gallagher says its Technology insurance practice includes more than 250 dedicated professionals and points to named team leaders reachable at Rolling Meadows, Illinois phone numbers. ⁴Company-reported. Group-level technology industry practice page.