Embroker vs 
Gallagher: How Do They Compare for Tech E&O Insurance?
As a broker, Gallagher adds a digital suite with a client portal and certificate management, serving startups to global enterprises. Embroker sells Tech E&O/Cyber directly online and also through appointed brokers.
Embroker lets private tech companies under $300 million in revenue buy a blended Tech E&O and cyber policy online, with limits up to $5 million, but excludes crypto, blockchain and cannabis. Gallagher is a large broker with more than 7,500 tech clients that shops combined E&O and cyber from startups to global enterprises. 1,2,3
What Are the Key Differences Between Embroker and Gallagher Tech E&O Insurance?
Online Blended Policy Under $300 Million vs a Broker for Any Size
Embroker sells its own blended Tech E&O/Cyber policy online and through appointed brokers via Embroker Access, which targets private technology companies under $300 million in revenue, requires multifactor authentication above $5 million, and excludes crypto, blockchain and cannabis. Gallagher's Technology practice places combined E&O and cyber with outside insurers for more than 7,500 tech and telecom clients, from startups to global enterprises, placing over $1 billion in annual premium. Choose Embroker if you're a private tech company under $300 million that wants to buy online; choose Gallagher if you're larger, in crypto, or want a broker to shop several insurers. 1 2 3
$5 Million Published With an Excess Catch vs No Published Limits
Embroker's broker program advertises limits up to $5 million for most insuring agreements. Its excess product can't sit above an Embroker primary policy, so if you need more limit on top of Embroker, you'll need another insurer. Gallagher publishes no Tech E&O limits and names no insurer. 2 1 3
Digital Tools Suite vs Direct Online Quote
Gallagher lists Drive, Go, STEP, Submit and Verify as digital tools for technology clients, though not confirmed as part of every placement. Embroker's paths are a direct online quote or broker appointment through Embroker Access. 3 1
What Should You Confirm in Embroker and Gallagher Tech E&O Insurance Quotes?
- Ask Gallagher which insurer and combined form it's placing, and what limits. 3
- If you have an Embroker primary policy, ask Gallagher whether it can place excess above it, since Embroker's own excess can't. 1 3
- Ask Embroker to reconcile its retail IP exclusions with the software-code infringement cover its broker program lists. 1 2
- Check your revenue and sector against Embroker's $300 million cap and crypto exclusion before applying. 2 3
Embroker vs Gallagher Tech E&O Insurance Compared
Embroker vs Gallagher: Tech E&O Insurance: documented features by provider
| Criteria | Embroker Technology Errors and Omissions / Cyber Insurance | Gallagher Technology Errors and Omissions (Tech E&O) Insurance |
|---|---|---|
| Who It’s For | Embroker's broker program targets private, for-profit technology companies (including fintech, AI, digital health, HR tech and SaaS) with under $300 million in revenue, requires multifactor authentication for accounts above $5 million in revenue, and excludes businesses involved in crypto, blockchain or cannabis. 2Company-reported. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite. | 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. 3Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified. |
| Coverage Features | Embroker lists coverage for cyber liability (data breaches, cyber theft, cyber vandalism), professional negligence from product or tech errors, software or hardware defects, breach of contract, and losses from a delayed product launch. 1Company-reported. Retail product-page What's covered section; the issued policy and declarations control. | 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. 3Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions. |
| Role in This Line | Embroker sells Tech E&O/Cyber as a single blended policy directly to technology companies and also distributes it through appointed brokers via its Embroker Access broker portal. 1,2Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer. | Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. 3Company-reported. Group-level technology industry practice page. |
