Embroker vs 
Gallagher: How Do They Compare for Professional Liability (E&O) Insurance?
Embroker sells professional liability as a standalone product, with an online quote on its digital platform. Gallagher Small Business arranges E&O with partner carriers and also offers an advisor phone line and scheduled callbacks.
Gallagher names perils including copyright infringement and punitive damages; Embroker instead details aggregate-deductible and first-dollar-defense structures. 2,1
What Are the Key Differences Between Embroker and Gallagher Professional Liability (E&O) Insurance?
What Perils Each Page Names
Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. 1 Gallagher's page names an additional, more specific set of perils:
Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. 2Company-reported. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line.
Deductible Structure
Embroker's page describes deductible mechanics that Gallagher's page does not address: the policy carries a deductible, a higher deductible generally lowers the premium, and buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. 1 Gallagher's E&O page does not publish deductible or limit figures, directing prospective buyers to request a quote instead. 2
Getting a Quote
Embroker offers an online quote through its own digital platform, describing underwriting factors including business size, industry risk, location and claims history. 1 Gallagher instead pairs an online quote form with a small-business advisor phone line and a scheduled callback option, giving a buyer a person to talk to during the process. 2
What Should You Confirm in Embroker and Gallagher Professional Liability (E&O) Insurance Quotes?
- Ask both companies to name the issuing insurer; neither's reviewed page names one. 1 2
- Ask Embroker which deductible option, aggregate or first-dollar-defense, applies to your quote and how each changes your out-of-pocket cost on a claim. 1
- Get the specific limit and retention from each; neither publishes figures on its public pages. 1 2
- Ask Gallagher for the underlying policy wording on copyright infringement and punitive damages, since Embroker's page doesn't name either peril at all. 2
Embroker vs Gallagher Professional Liability (E&O) Insurance Compared
Embroker vs Gallagher: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Embroker Professional Liability Insurance | Gallagher Small Business Errors and Omissions Insurance |
|---|---|---|
| Who It’s For | Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. 1Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business. | Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. 2Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting. |
| How to Apply | Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. 1Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research. | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. 2Company-reported. Product page "Get Covered Now" section. |
| Coverage Features | Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. 1Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). 1Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections. | Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. 2Company-reported. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line. Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. 2Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business. |
| Role in This Line | Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. 1Company-reported. Product-page description; not a statement about the issuing insurer. | Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. 2Company-reported. Gallagher Small Business's direct-to-small-business E&O product page. |
