Coverdash vs Gallagher Tech E&O Insurance

Coverdash sells a digital Tech E&O path for SaaS and dev shops; Gallagher’s 250-person Technology practice places combined E&O-and-cyber for enterprises.

What Is Coverdash Insurance?

Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. ^1,^2,³

Read the Coverdash 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. ^6,^7,^8,^9,¹⁰

Read the Gallagher profile

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. ^11,^12,¹³

Read the full coverage guide

Key Differences in Tech E&O Insurance

Digital Brokerage Versus a Named Technology Practice

Both Coverdash and Gallagher broker rather than underwrite Tech E&O. Coverdash describes a fully digital quote-to-purchase process and the option to add general liability or cyber. Gallagher’s Technology insurance practice places coverage with outside carriers and markets a single policy combining professional-services E&O with cyber liability for data breaches, ransomware and privacy violations. ³ ⁴ ⁶

Client Scale

Coverdash names SaaS companies, dev shops, IT providers and consultants. Gallagher says the practice serves startups through global enterprises and reports more than 7,500 technology and telecommunications clients, over $1 billion in annual premium placed, and more than 250 dedicated professionals with named leaders in Rolling Meadows, Illinois. ⁴ ⁶

Tools and Catalogue Structure

Gallagher lists Drive analytics, Go, STEP, Submit and Verify as a digital suite for technology clients. Coverdash’s coverage hub lists Tech E&O separately from general professional liability rather than as a portal suite. Neither reviewed page names the issuing insurer or publishes Tech E&O limits. ⁶ ⁵ ⁴

What to Confirm in Tech E&O Insurance Quotes

Get both issuing carriers in writing. ⁴ ⁶
Ask Gallagher whether cyber perils sit on the same form as professional-services errors. ⁶
Ask Coverdash whether client-data wording is Tech E&O or a cyber add-on. ⁴
Request numeric limits and retentions from both; neither public page publishes them. ⁴ ⁶

Offering Details

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

Criteria	Coverdash Tech E&O Insurance	Gallagher Technology Errors and Omissions (Tech E&O) Insurance
Role in This Line	Coverdash arranges Tech E&O coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,⁴Company-reported. General brokerage terms applied to the Tech E&O page; not specific to any one carrier or state.	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ⁶Company-reported. Group-level technology industry practice page.
Issuing Insurer	The Tech E&O page does not name the insurer that issues the policy. ⁴Not publicly disclosed. Reviewed Tech E&O page as of 2026-09-23; the page describes coverage without naming a specific carrier.	The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. ⁶Not publicly disclosed. Checked the group-level technology industry practice page.
Who It’s For	Coverdash markets Tech E&O to businesses that build, sell or service technology, naming SaaS companies, dev shops, IT providers and consultants as examples. ⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.	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. ⁶Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.
Coverage Features	Coverdash describes Tech E&O as covering claims that a company's software didn't perform as promised, a project was late or didn't meet the agreed spec, or client data was mishandled or exposed through a security failure, and pays legal defense costs even for a groundless claim. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits, exclusions and whether the policy is claims-made. Coverdash's coverage hub lists Tech E&O separately from its general professional liability product, targeting it specifically at technology businesses rather than professional-service firms generally. ⁵Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue for a mixed-model business.	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. ⁶Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
Limits and Retentions	The Tech E&O page does not publish specific limit, retention or deductible amounts. ⁴Not publicly disclosed. Reviewed Tech E&O page as of 2026-09-23; figures are quote-specific and not shown on the public product page.	The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. ⁶Not publicly disclosed. Checked the group-level technology industry practice page.
Risk Services	Not described in the reviewed sources.	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. ⁶Company-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. ⁶Company-reported. Group-level technology industry practice page.
How to Apply	Coverdash describes a fully digital quote-to-purchase process for Tech E&O, with the option to add coverages such as general liability or cyber alongside it. ⁴Company-reported. Product-page company information and cross-sell section.	Not described in the reviewed sources.

Full Comparison

More Coverdash vs Gallagher Comparisons

Other Tech E&O Insurance Comparisons

Sources

Coverdash

Frequently Asked Questions. Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
About Us. Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
Terms And Conditions. Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
Tech E&O Insurance. Coverdash; Product introduction; Types of Coverage cards for Software failures, Missed deliverables, Data and security lapses, Legal defense; Who It's For industry list. Accessed 2026-09-23.
Coverage Hub. Coverdash; Professional & Management category listing Tech E&O separately from Professional Liability. Accessed 2026-09-23.

Gallagher

Technology Insurance for the Tech Industry. 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.
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.

Tech E&O Insurance Guide

Insurance and Bonding Guidelines. 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.
Technology Errors and Omissions Insurance. 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.
DigiTech Enterprise Risk Management. 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.