Gallagher vs 
Heffernan Insurance Brokers: How Do They Compare for Professional Liability (E&O) Insurance?
Gallagher Small Business advises E&O for small firms offering a specific professional service, such as tax or accounting, while Heffernan Insurance Brokers serves sole proprietors through fast-growing companies and will custom-design a package for unlisted industries.
Gallagher runs a dedicated Errors and Omissions product page naming specific professions and market trends, while Heffernan lists errors and omissions as one line among several on a general small-business coverage page. 1,2
What Are the Key Differences Between Gallagher and Heffernan Insurance Brokers Professional Liability (E&O) Insurance?
A Dedicated Page Versus One Line in a List
Heffernan names errors and omissions as one coverage among several its small-business division places for clients, without a dedicated E&O product page: 2
Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. 2Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.
Gallagher instead runs a standalone Errors and Omissions Insurance page with its own coverage description, eligibility list and market-conditions section. 1
When comparing Gallagher and Heffernan Insurance Brokers, the more specific product menu can make fit easier to judge before you request a quote.
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. 1 Heffernan instead says its small-business division serves sole proprietors through fast-growing companies across construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, without naming individual professions. 2
How Coverage Is Described
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 naming alleged negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. 1 Heffernan's page instead describes the coverage in one sentence, as protecting against claims for problems with a company's product or service that result in a client's financial loss, without listing specific scenarios. 2
What Should You Confirm in Gallagher and Heffernan Insurance Brokers Professional Liability (E&O) Insurance Quotes?
- Ask Heffernan whether it will build a dedicated E&O submission for your profession, since its page groups the coverage with other small-business lines. 2
- Ask Gallagher whether the market conditions it describes, rate increases and more selective underwriting, affect the specific quote you receive. 1
- Neither page names an issuing insurer; ask both Gallagher and Heffernan which carrier would underwrite your policy. 1 2
- Gallagher's reviewed page publishes no limit or premium figures, and Heffernan's reviewed page publishes none either; request specific figures from both. 1 2
Gallagher vs Heffernan Insurance Brokers Professional Liability (E&O) Compared
Gallagher vs Heffernan Insurance Brokers: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Gallagher Small Business Errors and Omissions Insurance | Heffernan Professional Errors and Omissions Brokerage |
|---|---|---|
| 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. | Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. 2Company-reported. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage. |
| 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. | Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. 2Company-reported. Small Business Insurance page as read on 2026-09-23. |
| 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. | Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. 2Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements. |
| 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. | Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. 2Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found. |
