---
title: "Gallagher vs Heffernan Insurance Brokers: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/gallagher-vs-heffernan/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-heffernan"
provider-a: "gallagher"
provider-b: "heffernan"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Gallagher and Heffernan Insurance Brokers for Professional Liability (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 Professional Liability (E&O) Insurance questions about Gallagher versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Gallagher and Heffernan Insurance Brokers.
- 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:**
- [Gallagher vs Heffernan Insurance Brokers](https://spot.insure/compare/gallagher-vs-heffernan) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# 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 gives E&O its own dedicated product page with named professions; Heffernan folds the line into a general small-business coverage list.

## Gallagher vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance Summary

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](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [2](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")


Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. [2](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

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](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### 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](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Ask Gallagher whether the market conditions it describes, rate increases and more selective underwriting, affect the specific quote you receive. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")
- Neither page names an issuing insurer; ask both Gallagher and Heffernan which carrier would underwrite your policy. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [2](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Gallagher's reviewed page publishes no limit or premium figures, and Heffernan's reviewed page publishes none either; request specific figures from both. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [2](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## Gallagher vs Heffernan Insurance Brokers Professional Liability (E&O) Compared

| 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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..)<br><br>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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found..) |

## About Gallagher and Heffernan Insurance Brokers

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Gallagher vs Heffernan Insurance Brokers

- [Gallagher vs Heffernan Insurance Brokers](https://spot.insure/compare/gallagher-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Gallagher Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/gallagher/professional-errors-omissions)
- [Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/heffernan/professional-errors-omissions)

## Sources for Gallagher vs Heffernan Insurance Brokers

### Sources About Gallagher

1. [Errors and Omissions Insurance](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/). Gallagher Small Business; What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

2. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages. 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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