Gallagher vs Harper: How Do They Compare for Professional Liability (E&O) Insurance?

Two brokers, two ways in. Harper writes one policy around your actual services and issues a certificate the same day when a contract requires E&O; Gallagher Small Business offers an online form, an advisor phone line or a callback.

Harper says its Professional Liability and Errors and Omissions catalogue entries are the same policy under two industry names, while Gallagher lists a single Errors and Omissions product page and separately publishes market commentary on rate trends. ^3,^4,¹

What Are the Key Differences Between Gallagher and Harper Professional Liability (E&O) Insurance?

One Catalogue Entry Versus Two

Gallagher lists a single Errors and Omissions Insurance page in its small-business catalogue. ¹ Harper instead markets the same underlying policy under two separate catalogue names:

Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^3,⁴Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

When comparing Gallagher and Harper, the more specific product menu can make fit easier to judge before you request a quote.

Market Commentary

Gallagher's page adds a market-conditions section saying the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and more selective underwriting. ¹ Harper's professional-liability and errors-and-omissions pages do not include comparable market-trend commentary; they instead describe reading a policy's exclusions line by line before a client buys. ²

Who Each Page Names as a Fit

Gallagher recommends E&O for small businesses in technology, insurance, accounting, tax, wealth management and legal services, naming doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals. ¹ Harper instead targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, distinguishing the line from general liability in its FAQ. ²

What Should You Confirm in Gallagher and Harper Professional Liability (E&O) Insurance Quotes?

Neither Gallagher's nor Harper's pages name an issuing insurer; ask both which carrier would underwrite your policy. ¹ ²
Ask Gallagher how its stated market conditions, rate increases and more selective underwriting, affect pricing for your specific profession. ¹
Ask Harper for its exclusions review in writing before binding, since it describes reading exclusions line by line as part of its process. ²
Neither page publishes E&O limits or premiums; request specific figures from both. ¹ ²

Gallagher vs Harper Professional Liability (E&O) Insurance Compared

Gallagher vs Harper: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Gallagher Small Business Errors and Omissions Insurance	Harper Professional Liability Insurance
Who It’s For	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. ¹Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.	Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. ²Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.
How to Apply	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. ¹Company-reported. Product page "Get Covered Now" section.	You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ²Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.
Coverage Features	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. ¹Company-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. ¹Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.	Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^2,³Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.
Role in This Line	Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ¹Company-reported. Gallagher Small Business's direct-to-small-business E&O product page.	Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ²Company-reported. Professional liability page introduction and 'Why Harper' section. Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^3,⁴Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.