---
title: "Cowbell vs Gallagher: Tech E&O Insurance"
description: "Cowbell’s Prime Tech is a set product for tech firms up to $1 billion in revenue: E&O and cyber together, up to $5 million, with a matching excess layer and included resilience services and training. Gallagher is a broker placing a similar combined policy with outside insurers, with no published limits."
canonical: "https://spot.insure/compare/cowbell-vs-gallagher/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-gallagher"
provider-a: "cowbell"
provider-b: "gallagher"
coverage-line: "technology-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Cowbell 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 Cowbell versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Cowbell vs Gallagher for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Cowbell or Gallagher?
- What does Cowbell or Gallagher publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Cowbell 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 2026-09-25.

**Related pages:**
- [Cowbell vs Gallagher](https://spot.insure/compare/cowbell-vs-gallagher) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

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

Backed by a 250-plus person practice, Gallagher is a broker placing tech E&O with cyber through outside carriers. Cowbell markets its Prime Tech policy, with limits up to $5M, through agents on a surplus-lines basis.

Cowbell’s Prime Tech combines tech E&O and cyber with published $5 million limits plus a $5 million excess layer for tech firms up to $1 billion in revenue, while Gallagher brokers combined E&O and cyber with outside insurers and publishes no limits.

## Cowbell vs Gallagher Tech E&O Insurance Summary

Cowbell’s Prime Tech is a set product for tech firms up to $1 billion in revenue: E&O and cyber together, up to $5 million, with a matching excess layer and included resilience services and training. Gallagher is a broker placing a similar combined policy with outside insurers, with no published limits. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

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

### Named Program With $5 Million Limits vs Broker Placement

Cowbell’s Prime Tech combines tech E&O and cyber in one policy for tech businesses with up to $1 billion in revenue, with limits up to $5 million and a Prime Tech Plus excess layer also up to $5 million. Gallagher’s technology practice places a combined E&O and cyber policy, covering breaches, ransomware and privacy violations, with outside insurers, and publishes no limits, retentions or premiums. Choose Cowbell if you want known limits and a product your agent can quote directly; choose Gallagher if you want a broker with 7,500-plus tech clients and over $1 billion in placed premium shopping several insurers. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### Security Services on the Policy vs Broker Tools

Cowbell says Prime Tech policyholders get Cowbell Resiliency Services, Connectors, its Co-Pilot tool and free Wizer security training. Gallagher offers practice-level tools, including Drive analytics, Go, STEP training, Submit tracking and Verify certificates, through more than 250 technology specialists, but doesn’t say they come with every tech E&O placement. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

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

- Ask Gallagher which insurer, form and limits it is placing. [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- Ask Cowbell which insurer issues Prime Tech. It is written outside the standard state-regulated market, so state guaranty-fund protection generally does not apply. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview")
- Ask both how their wording treats late delivery, copyright disputes and ransomware. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- Ask Gallagher whether its digital tools come with your tech E&O placement. [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## Cowbell vs Gallagher Tech E&O Insurance Compared

| Criteria | Cowbell Prime Tech / Prime Tech Plus | Gallagher Technology Errors and Omissions (Tech E&O) Insurance |
| --- | --- | --- |
| 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. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: 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. [3](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 | 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. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: Prime Tech FAQ, 'What coverage is offered?' and 'other associated costs' lists..)<br><br>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. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: '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. [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 | 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. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: 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. [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: 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. [3](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. [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 Cowbell and Gallagher and Tech E&O Insurance

- [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/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 Cowbell vs Gallagher Tech E&O Insurance

- [Cowbell vs Gallagher](https://spot.insure/compare/cowbell-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.
- [Cowbell Tech E&O Insurance](https://spot.insure/insurance-providers/cowbell/technology-errors-omissions)
- [Gallagher Tech E&O Insurance](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions)

## Sources for Cowbell vs Gallagher Tech E&O Insurance

### Sources About Cowbell

1. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). 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.
2. [Prime Tech Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf). Cowbell; Product Overview; Seamless excess protection; Tailored for technology providers; Risk Appetite industry list. 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 2026-09-25. 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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