---
title: "Embroker vs Gallagher: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-gallagher/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-gallagher"
provider-a: "embroker"
provider-b: "gallagher"
coverage-line: "technology-errors-omissions"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Tech E&O Insurance. Providers: Embroker 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:**
- [Embroker vs Gallagher](https://spot.insure/compare/embroker-vs-gallagher) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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 sells a blended Tech E&O and cyber policy online for private tech companies under $300 million in revenue with limits up to $5 million, while Gallagher brokers combined E&O and cyber for 7,500-plus tech clients.

## Embroker vs Gallagher Tech E&O Insurance Summary

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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### $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](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- If you have an Embroker primary policy, ask Gallagher whether it can place excess above it, since Embroker's own excess can't. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- Ask Embroker to reconcile its retail IP exclusions with the software-code infringement cover its broker program lists. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access")
- Check your revenue and sector against Embroker's $300 million cap and crypto exclusion before applying. [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [3](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## Embroker vs Gallagher Tech E&O Insurance Compared

| 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. [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: 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. [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 | 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [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 Embroker and Gallagher and Tech E&O Insurance

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

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

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

### Sources About Embroker

1. [Tech E&O Insurance Quotes and Coverage](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; Why it's essential; Who needs this coverage; What is Technology Errors and Omissions / Cyber insurance?; What's covered; What's not included; What is excess Tech E&O / Cyber Insurance?; How to apply. Accessed 2026-09-23.
2. [Embroker Tech E&O / Cyber – EMB Access](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; Coverage Highlights; Additional features. 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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- [Markdown page](https://spot.insure/compare/embroker-vs-gallagher/technology-errors-omissions.md)
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