---
title: "Coalition vs Gallagher Tech E&O Insurance"
description: "Coalition sells Tech E&O only with its cyber policy; Gallagher places a combined E&O-and-cyber form with outside carriers."
canonical: "https://spot.insure/compare/coalition-vs-gallagher/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/coalition-vs-gallagher/technology-errors-omissions)

# Coalition vs Gallagher Tech E&O Insurance

Coalition sells Tech E&O only with its cyber policy; Gallagher places a combined E&O-and-cyber form with outside carriers.

## Research Scope and Use

Use this comparison to evaluate Coalition and Gallagher for Tech 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

Coalition designs Tech E&O that must sit with Active Cyber Insurance and routes it through appointed brokers. Gallagher’s Technology practice places a combined professional-and-cyber policy with carriers it does not name. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [2](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [3](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## 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. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [10](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [11](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 Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [12](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [13](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [14](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Who Places the Policy and Whether Cyber Is Required

Coalition designs Tech E&O as coverage that only combines with its own Active Cyber Insurance and sells it through appointed brokers, so you cannot buy that E&O layer on its own. Gallagher does not underwrite; its Technology practice places technology E&O with outside carriers and markets it as one policy that already pairs professional-services E&O with cyber liability for data breaches, ransomware and privacy events. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### Who the Offering Is Built For

Coalition describes the buyer as any organization that charges a fee for a technology product or service, with examples such as software downtime and failed deliveries. Gallagher frames the same line around a Technology practice that says it works with startups through global enterprises and reports more than 7,500 technology and telecommunications clients. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### Risk Tools Versus Control Monitoring

Coalition says Tech E&O policyholders receive Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring and zero-day alerts. Gallagher lists a brokerage digital suite—Drive analytics, the Go portal, STEP safety training, Submit tracking and Verify certificates—without describing those tools as underwriting-platform monitoring tied to a named Coalition-style product. [6](https://www.coalitioninc.com/control "Coalition Control") [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## What to Confirm in Tech E&O Insurance Quotes

- Ask Coalition whether the quote is surplus-lines paper; its disclaimer names admitted cyber and executive-risk carriers but has no admitted Tech E&O section. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Ask Gallagher which carrier issues the combined E&O-and-cyber policy and whether cyber perils sit in the same form as professional-services errors. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- Compare limits and retentions: Gallagher’s reviewed page does not publish them, and Coalition’s reviewed Tech E&O page does not either. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage")
- Confirm how claims are handled: Coalition says one in-house team works both Tech E&O and cyber; Gallagher’s Technology page does not describe a line-specific claims desk. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## Offering Details

| Criteria | Coalition Technology Errors & Omissions Coverage | Gallagher Technology Errors and Omissions (Tech E&O) Insurance |
| --- | --- | --- |
| 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. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: 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. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page..) |
| Issuing Insurer | Coalition's disclaimer page lists Non-Admitted Cyber, Admitted Cyber, and Admitted Executive Risk sections naming specific carriers, but has no equivalent 'Admitted Tech E&O' section, indicating Tech E&O is placed on a non-admitted (surplus lines) basis with unaffiliated insurers that the disclaimer does not name. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Not publicly disclosed; scope: U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer for a given policy..) | The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Not publicly disclosed; scope: Checked the group-level technology industry practice page..) |
| 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. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: 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. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: 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. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions..) |
| Limits and Retentions | Not described in the reviewed sources. | The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Not publicly disclosed; scope: Checked the 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](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [6](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: 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. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page; not confirmed as included with every tech E&O placement..)<br><br>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. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page..) |
| How to Apply | Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: Tech E&O product page as read on 2026-09-23..) | Not described in the reviewed sources. |
| Claims Support | Coalition says the same in-house claims team handles both Tech E&O and cyber claims in one place, which it describes as a faster, more integrated resolution process. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: Tech E&O product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Coalition vs Gallagher Crime Insurance](https://spot.insure/compare/coalition-vs-gallagher/crime)
- [Coalition vs Gallagher Cyber Insurance](https://spot.insure/compare/coalition-vs-gallagher/cyber)
- [Coalition vs Gallagher D&O Insurance](https://spot.insure/compare/coalition-vs-gallagher/directors-officers)
- [Coalition vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-gallagher/employment-practices)
- [Coalition vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/coalition-vs-gallagher/fiduciary)
- [Coalition vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-gallagher/professional-errors-omissions)
- [Alliance Risk vs Coalition Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/technology-errors-omissions)
- [Alliance Risk vs Gallagher Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/technology-errors-omissions)
- [Amelia Risk vs Coalition Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/technology-errors-omissions)
- [Amelia Risk vs Gallagher Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/technology-errors-omissions)
- [At-Bay vs Coalition Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-coalition/technology-errors-omissions)
- [At-Bay vs Gallagher Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-gallagher/technology-errors-omissions)

## Sources

### Coalition

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who's It For?; Coalition Advantage: comprehensive protection, compounded benefits through cyber coverage, streamlined claims handling, Coalition Control; Tech E&O Claims: causes list. Accessed 2026-09-23.
2. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
3. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
4. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
5. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted Tech E&O' section appears on the page. Accessed 2026-09-23.
6. [Coalition Control](https://www.coalitioninc.com/control). Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.

### Gallagher

7. [Technology Insurance for the Tech Industry](https://www.ajg.com/industries/technology-insurance/). Gallagher; Solutions and coverages for the technology industry: Technology errors and omissions, including cyber liability; 250+ dedicated professionals, 7,500+ technology and telecommunications clients, $1B+ in annual premium; digital suite (Gallagher Drive, Go, STEP, Submit, Verify); Meet the Technology Insurance leaders. Accessed 2026-09-23.
8. [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.
9. [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.
10. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
11. [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.

### Tech E&O Insurance Guide

12. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
13. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
14. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. 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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