---
title: "Gallagher vs Hiscox: Professional Liability (E&O) Insurance"
description: "Hiscox offers online purchase with phone support; Gallagher starts E&O quotes online or through an advisor and places them with partner carriers."
canonical: "https://spot.insure/compare/gallagher-vs-hiscox/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-hiscox"
provider-a: "gallagher"
provider-b: "hiscox"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Gallagher and Hiscox.
- 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 Hiscox](https://spot.insure/compare/gallagher-vs-hiscox) — 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
- [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile

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

Buy it yourself or have it arranged: Hiscox sells professional liability directly online in 49 states and Washington, D.C., while Gallagher Small Business arranges E&O with partner carriers and offers advisor calls.

Hiscox offers online purchase with phone support; Gallagher starts E&O quotes online or through an advisor.

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

Hiscox offers online purchase with phone support; Gallagher starts E&O quotes online or through an advisor and places them with partner carriers. [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

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

### Named Underwriter Versus Unnamed Partner Carrier

Hiscox names the entity that underwrites its admitted professional liability policies:

Gallagher instead arranges E&O with partner carriers rather than underwriting the policy itself, and its product page does not name which carrier would issue a specific policy. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW professional-liability policies. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Admitted small-business professional liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote..)

### Policy Trigger

Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made, and typically reported, while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. [3](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

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

- Confirm which Hiscox entity would issue your policy in your state, since the reviewed page names one admitted underwriter generally. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide")
- Ask Gallagher which partner carrier would underwrite your specific E&O policy, since its page arranges coverage without naming one. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")
- Neither Gallagher's nor Hiscox's reviewed pages publish specific limit or retention amounts; request both directly. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses")
- Ask Hiscox what its 24/7 current-customer claims line covers compared with Gallagher's claims process for a policy it arranges. [3](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?")

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

| Criteria | Gallagher Small Business Errors and Omissions Insurance | Hiscox 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. [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..) | Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant..) |
| 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..) | Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described online application; eligibility and binding conditions require confirmation on the actual application..) |
| 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..) | Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. [3](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy..) |
| 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..) | Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-stated online small-business channel..) |

## About Gallagher and Hiscox and Professional Liability (E&O) Insurance

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

## Related Pages for Gallagher vs Hiscox Professional Liability (E&O)

- [Gallagher vs Hiscox](https://spot.insure/compare/gallagher-vs-hiscox): 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)
- [Hiscox Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/hiscox/professional-errors-omissions)

## Sources for Gallagher vs Hiscox Professional Liability (E&O) Insurance

### 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 Hiscox

2. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
3. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq). Hiscox; Claims-made description; current-customer claim number described as open 24 hours a day, 7 days a week. Accessed 2026-09-16.
4. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent. Accessed 2026-09-16.
5. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; technology classes including IT consultants and software development. Accessed 2026-09-16.

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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