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

Gallagher’s group-level technology practice page describes one policy combining professional-services E&O with cyber liability; it is not a specific policy’s insuring agreement or exclusions. Foxquilt lists technology and creative businesses within broader Professional Liability / E&O, without an established separate technology form. ^3,⁴

What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. ^1,²

Read the Foxquilt profile

Read the Foxquilt Tech E&O Insurance page

What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. ^4,^5,^6,^7,⁸

Read the Gallagher profile

Read the Gallagher Tech E&O Insurance page

What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. ^9,^10,^11,^12,^13,^14,¹⁵

Read the full coverage guide

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

Policy scope and placement

Gallagher’s group-level technology page describes a single policy combining professional-services errors and omissions with cyber liability. Foxquilt lists technology and creative businesses in its broader E&O product, with a separate technology form not established by the cited page. Compare the combined structure Gallagher markets with the actual form and cyber terms available on a Foxquilt quote. ⁴ ³

Risk tools and service details

Gallagher’s technology page names a digital suite—Drive, Go, STEP, Submit and Verify—alongside its technology practice. Foxquilt’s E&O page describes its product and a digital quote path. These are different published resources; ask Gallagher which tools apply to the account and compare both providers’ actual policy terms separately. ⁴ ³

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

Ask Gallagher which carrier will issue the combined policy, how E&O and cyber limits apply, and which digital tools are included for your account. Ask Foxquilt for its actual technology form and whether cyber is included or must be placed separately. ⁴ ³

Foxquilt and Gallagher Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Foxquilt Review Score

8.9/ 10

Review Score

3 rated sources

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.^[12]^[5]^[6]

Read Foxquilt reviews

Gallagher Review Score

9.3/ 10

Review Score

3 rated sources

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.^[2]^[4]^[6]

Read Gallagher reviews

Foxquilt vs Gallagher Tech E&O Insurance Compared

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

Criteria	Foxquilt Technology / Creative E&O class	Gallagher Technology Errors and Omissions (Tech E&O) Insurance
Role in This Line	Foxquilt lists technology and creative businesses within its broader Professional Liability / E&O product; a separate technology E&O form is not established. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ⁴Company-reported. Group-level technology industry practice page.
Issuing Insurer	Confirm in your quote.	The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. ⁴Not publicly disclosed. Checked the group-level technology industry practice page.
Who It’s For	Technology and creative are named classes on the broader E&O page; underwriting appetite for any specific technology business is not stated. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	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. ⁴Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.
Coverage Features	The cited E&O page describes professional-service claims and classifies technology/creative businesses as product audiences; it does not describe a technology-specific coverage grant. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	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. ⁴Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
Limits and Retentions	The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ³Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.	The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. ⁴Not publicly disclosed. Checked the group-level technology industry practice page.
Risk Services	Confirm in your quote.	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. ⁴Company-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. ⁴Company-reported. Group-level technology industry practice page.
How to Apply	The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	Confirm in your quote.

Related Pages for Foxquilt vs Gallagher Tech E&O Insurance

Tech E&O Insurance Pages for Foxquilt and Gallagher

Other Coverage Lines Compared for Foxquilt vs Gallagher

Other Tech E&O Insurance Provider Comparisons

Sources for Foxquilt vs Gallagher Tech E&O Insurance

Sources About Foxquilt

Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
Professional Liability (E&O). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. Accessed 2026-09-29.

Sources About 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.

Sources for the Tech E&O Insurance Guide

Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
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.
Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. 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.
Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
Cyber Risk for Technology Companies. Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.