--- title: "Corgi vs Gallagher: Tech E&O Insurance" description: "Corgi lets pre-seed and seed startups get an instant online Tech E&O quote, but its standard form leaves out data-breach liability unless you add an endorsement; Gallagher is a broker that places Tech E&O and cyber together in one policy. Gallagher says it serves more than 7,500 tech and telecom clients." canonical: "https://spot.insure/compare/corgi-vs-gallagher/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "corgi-vs-gallagher" provider-a: "corgi" provider-b: "gallagher" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/corgi-vs-gallagher/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Corgi and Gallagher for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Corgi versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Corgi vs Gallagher for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Corgi or Gallagher? - What does Corgi or Gallagher publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Corgi and Gallagher. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29. **Related pages:** - [Corgi vs Gallagher](https://spot.insure/compare/corgi-vs-gallagher) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile - [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile # Corgi vs Gallagher: How Do They Compare for Tech E&O Insurance? Gallagher is a broker that places tech E&O with cyber as one policy through a 250-plus person practice. Corgi sells stand-alone Tech E&O online with an instant quote, bundled into startup packages from pre-seed. Corgi gives startups an instant online Tech E&O quote but leaves data-breach liability off the base form; Gallagher is a large broker that places Tech E&O and cyber together in one policy. ## Corgi vs Gallagher Tech E&O Insurance Summary Corgi lets pre-seed and seed startups get an instant online Tech E&O quote, but its standard form leaves out data-breach liability unless you add an endorsement; Gallagher is a broker that places Tech E&O and cyber together in one policy. Gallagher says it serves more than 7,500 tech and telecom clients. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ## What Are the Key Differences Between Corgi and Gallagher Tech E&O Insurance? ### Instant Online Quote vs Broker Placement Corgi sells Tech E&O through an instant online quote and includes it in every startup package from the pre-seed and seed tier. Gallagher's Technology practice places Tech E&O with outside insurers, citing more than 7,500 tech and telecom clients and over $1 billion in annual premium placed. Choose Corgi if you're an early startup that wants cover today without a broker; choose Gallagher if you're coordinating several lines or have outgrown startup packages. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ### Breach Cover Built In vs Added On Gallagher markets one policy combining professional-services E&O with cyber liability for data breaches, ransomware and privacy violations. Corgi's standard Tech E&O form excludes data-breach liability unless you add an endorsement. If you hold customer data, a Corgi policy without that endorsement won't pay for a breach claim. [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") ### Who Pays Your Claim Corgi says its Tech E&O is mainly written by Technology Risk Retention Group, an unrated insurer owned by its policyholders, with partner insurers rated A- or better available if you qualify. Gallagher doesn't name the insurers it uses. If a customer contract requires a rated insurer, ask Corgi for the partner option up front. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ## What Should You Confirm in Corgi and Gallagher Tech E&O Insurance Quotes? - Ask Corgi whether you're on Technology Risk Retention Group or a partner insurer, and whether the data-breach endorsement is bound. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") - Ask Gallagher which insurer issues its combined E&O and cyber policy. [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") - Compare Corgi's illustrative $1 million per claim and $2 million aggregate, with a $10,000 retention, against Gallagher's quoted limits. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ## Corgi vs Gallagher Tech E&O Insurance Compared | Criteria | Corgi Tech E&O | Gallagher Technology Errors and Omissions (Tech E&O) Insurance | | --- | --- | --- | | Coverage Features | The policy responds to claims-made "wrongful acts": negligent errors in technology services (e.g., a bad calculation costing a client money), negligent acts such as an outage from a code update, and negligent systems integration or data migration work. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger..)

The standard policy excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data breach liability, and AI-related claims; add-on endorsements can extend coverage to AI/algorithmic liability, copyright and trademark infringement, a contract/SLA carveback, and subcontracted technology services. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting..) | 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. [3](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..) | | Role in This Line | Corgi sells Tech E&O as a standalone instant-quote policy and bundles it into every startup package, starting with the pre-seed and seed tier. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Tech E&O product page and homepage package contents; package composition may change..) | Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page..) | ## About Corgi and Gallagher and Tech E&O Insurance - [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews) - [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Corgi vs Gallagher Tech E&O Insurance - [Corgi vs Gallagher](https://spot.insure/compare/corgi-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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Corgi Tech E&O Insurance](https://spot.insure/insurance-providers/corgi/technology-errors-omissions) - [Gallagher Tech E&O Insurance](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions) ## Sources for Corgi vs Gallagher Tech E&O Insurance ### Sources About Corgi 1. [Tech E&O Insurance for Startups | Corgi Insurance](https://www.corgi.insure/tech-eo). Corgi Insurance; What's Actually Inside Your Tech E&O Policy (form CORG-EO-0100 / CORG-TECH-0500); Scenario notes; Policy notes; Available Add-ons; Tech E&O Glossary; FAQ including carrier rating question. Accessed 2026-09-23. 2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Explore Our Main Policies: Tech & AI Liability card marked "Instant quote"; Coverage Designed Around Your Startup's Journey package contents listing Tech E&O. Accessed 2026-09-23. ### Sources About Gallagher 3. [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. Updated 2026-09-29. 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). 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