Cowbell vs Gallagher Tech E&O Insurance

Cowbell underwrites a surplus Prime Tech E&O/cyber policy with $5M limits; Gallagher places combined Tech E&O and cyber with outside carriers.

What Is Cowbell Insurance?

Cowbell is a specialty-insurance platform and agency focused on cyber risk for small and midsize businesses. Its U.S. catalogue also includes combined Technology E&O and cyber products and a Zurich management-liability offering distributed through appointed wholesalers. ^1,^2,³

Read the Cowbell 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. ^5,^6,^7,^8,⁹

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. ^10,^11,¹²

Read the full coverage guide

Key Differences in Tech E&O Insurance

Product Versus Placement

Cowbell markets Prime Tech as the policy itself: a non-admitted professional-indemnity form combining Technology E&O and cyber, plus Prime Tech Plus excess. Gallagher’s Technology practice places technology E&O with outside carriers and does not underwrite it; Gallagher describes the line as a single policy that combines errors-and-omissions from professional services with cyber liability for breaches, ransomware and privacy violations. You are comparing Cowbell’s named program with Gallagher’s brokerage of whatever carrier it uses for a given client. ² ⁵

Limits, Insurer and Scale

Cowbell publishes Prime Tech and Prime Tech Plus limits up to $5 million each and targets technology businesses with up to $1 billion in revenue. Gallagher reports more than 7,500 technology and telecommunications clients from startups to global enterprises and over $1 billion in annual premium placed, but its technology page does not publish Tech E&O limits, retentions or premiums and does not name the issuing insurer. Cowbell’s PDFs also do not name the issuing insurer. ² ⁴ ⁵

Services Around the Policy

Cowbell says Prime Tech is powered by Cowbell Co-Pilot and that policyholders receive Cowbell Resiliency Services, Connectors and complimentary Wizer training. Gallagher offers technology clients Gallagher Drive analytics, Gallagher Go, STEP safety training, Submit tracking and Verify certificate management, and it cites more than 250 dedicated Technology professionals. Those Gallagher tools are described at practice level, not confirmed as included with every Tech E&O placement. ² ⁵

What to Confirm in Tech E&O Insurance Quotes

Ask Gallagher which carrier, form and limits it is placing, since the practice page names none of those. ⁵
Ask Cowbell for the surplus-lines insurer, the $5 million limit structure versus Prime Tech Plus, and whether Co-Pilot and Resiliency Services apply to your quota. ²
Compare how each combined E&O-plus-cyber wording treats delay in delivery, copyright disputes and ransomware. ² ⁵
Confirm whether Gallagher’s digital suite is part of the Tech E&O engagement or a separate client-platform offering. ⁵

Offering Details

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

Criteria	Cowbell Prime Tech / Prime Tech Plus	Gallagher Technology Errors and Omissions (Tech E&O) Insurance
Role in This Line	Cowbell markets Prime Tech as a non-admitted professional-indemnity product that combines Technology Errors & Omissions (E&O) with cyber coverage in one policy, and Prime Tech Plus as a follow-form excess layer that sits above a primary Tech E&O/cyber policy. ^2,⁴Company-reported. Prime Tech and Prime Tech Plus overview PDFs.	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ⁵Company-reported. Group-level technology industry practice page.
Issuing Insurer	Neither reviewed PDF names the specific issuing insurer for Prime Tech or Prime Tech Plus; both state coverage, terms and availability vary by state and are subject to underwriting approval without naming a carrier. ^2,⁴Not publicly disclosed. Disclaimer paragraphs of both PDFs, read on 2026-09-23.	The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. ⁵Not publicly disclosed. Checked the group-level technology industry practice page.
Who It’s For	Cowbell targets Prime Tech and Prime Tech Plus at technology businesses with up to $1B in revenue, listing example segments such as SaaS/app service providers, IT consultants, data analytics, hardware resellers, and web design or web services firms. ^2,⁴Company-reported. Risk Appetite sections of both PDFs.	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. ⁵Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.
Coverage Features	Cowbell lists Prime Tech coverage for delay in delivery, negligence, misrepresentation, breach of warranty/contract, product failures, and software copyright disputes, plus associated cyber-related costs like cyber extortion, data restoration, social engineering, and business interruption. ²Company-reported. Prime Tech FAQ, 'What coverage is offered?' and 'other associated costs' lists. Cowbell says Prime Tech includes duty to defend, defense costs for privacy-related regulatory proceedings, contractual-indemnity coverage, expansive breach-of-contract coverage, broad intellectual-property infringement coverage, and no exclusions for guarantees, consequential damages, or breach of warranties. ²Company-reported. 'Prime Tech Coverage Benefits' list; illustrative, subject to the issued policy.	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. ⁵Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
Limits and Retentions	Cowbell states Prime Tech offers limits up to $5M, and Prime Tech Plus (the excess layer) also offers limits up to $5M above the underlying primary policy. ^2,⁴Company-reported. Product overview PDFs.	The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. ⁵Not publicly disclosed. Checked the group-level technology industry practice page.
Risk Services	Cowbell says Prime Tech is 'powered by Cowbell Co-Pilot,' its AI-driven assistive underwriting tool, and that policyholders get the same Cowbell Resiliency Services, Cowbell Connectors, and complimentary Wizer cybersecurity-awareness training offered on its cyber products. ²Company-reported. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list.	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. ⁵Company-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. ⁵Company-reported. Group-level technology industry practice page.
How to Apply	Cowbell says Prime Tech is available on a surplus-lines basis in all 50 states and is distributed through agents rather than direct to businesses. ²Company-reported. 'Prime Tech Coverage Benefits' list, first bullet.	Not described in the reviewed sources.

Full Comparison

More Cowbell vs Gallagher Comparisons

Other Tech E&O Insurance Comparisons

Sources

Cowbell

Cowbell. Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
Prime Tech Product Overview. Cowbell; Product Overview; Risk Appetite; Prime Tech Coverage Benefits; Prime Tech FAQ (typical Tech E&O claims scenarios, coverage offered, associated costs). Accessed 2026-09-23.
Small And Midsize Business Management Liability. Zurich North America; Zurich Select Plus collaboration; admitted paper and Zurich Claims; modular suite: D&O, Employment Practices and Third-Party Discrimination Liability, Fiduciary Liability and Crime modules; access for appointed Zurich E&S wholesalers; target under 250 employees and $50 million assets; access and target-account FAQs. Accessed 2026-09-16.
Prime Tech Plus Product Overview. Cowbell; Product Overview; Seamless excess protection; Tailored for technology providers; Risk Appetite industry list. 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.