Gallagher vs HUB International Tech E&O Insurance

Gallagher’s Technology practice places combined E&O and cyber with a named digital suite; HUB brokers E&O with prior-acts and tail and a 5,000-company tech book.

What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. ^1,^2,^3,^4,⁵

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What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. ^6,^7,⁸

Read the HUB International profile

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

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^10,^11,¹²

Read the full coverage guide

Key Differences in Tech E&O Insurance

Two Brokerage Practices, Different Line Framing

Gallagher’s Technology practice places technology E&O with outside carriers and markets it as a single policy combining professional E&O with cyber liability for data breaches, ransomware and privacy violations. HUB brokers technology E&O as part of its general E&O practice and as one line in its technology-industry practice; its coverage description is general E&O (defense, judgments, settlements, fines, optional prior-acts and tail) rather than a combined E&O-plus-cyber product description. Neither practice page names the issuing insurer or publishes Tech E&O limit amounts. ¹ ⁹ ⁸

Client Counts and Staff

Gallagher reports more than 7,500 technology and telecommunications clients from startups to global enterprises, over $1 billion in annual premium placed, and more than 250 dedicated professionals with named leaders in Rolling Meadows, Illinois. HUB says it currently insures more than 5,000 technology companies spanning fast-growing startups and established software, hardware or digital-media businesses. Both figures are company-reported. ¹ ⁸

How You Work With Each Firm

Gallagher lists Drive analytics, Go self-service, STEP training, Submit tracking and Verify certificate management for technology clients—not confirmed as included with every Tech E&O placement. HUB directs prospects to connect with a broker, describes policies as customized to size, industry, location, risk and desired limits, and does not describe an online quote flow. ¹ ⁹

What to Confirm in Tech E&O Insurance Quotes

Ask Gallagher which carrier’s combined E&O/cyber form it is placing; ask HUB whether the quote is general E&O, tech-specific E&O, or E&O plus cyber. ¹ ⁹
Ask HUB whether prior-acts and tail are included; Gallagher’s reviewed technology page does not describe retroactive date or tail. ⁹ ¹
Get issuing insurers, limits and retentions from both; neither page publishes those dollars. ¹ ⁹
Confirm whether Gallagher’s digital suite is in-scope for the Tech E&O engagement. ¹

Offering Details

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

Criteria	Gallagher Technology Errors and Omissions (Tech E&O) Insurance	HUB International Technology Errors and Omissions Insurance
Role in This Line	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ¹Company-reported. Group-level technology industry practice page.	HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^9,⁸Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.
Issuing Insurer	The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. ¹Not publicly disclosed. Checked the group-level technology industry practice page.	Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. ^9,⁸Not found in reviewed sources. Checked both pages on 2026-09-23; no carrier is disclosed on either.
Who It’s For	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. ¹Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.	HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. ⁸Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.
Coverage Features	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. ¹Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.	HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ⁹Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.
Limits and Retentions	The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. ¹Not publicly disclosed. Checked the group-level technology industry practice page.	HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. ⁹Not publicly disclosed. E&O product-page structure description; specific limits are set on the quote and declarations.
Risk Services	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. ¹Company-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. ¹Company-reported. Group-level technology industry practice page.	Not described in the reviewed sources.
How to Apply	Not described in the reviewed sources.	HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ⁹Company-reported. Product-page call to action as read 2026-09-23.

Full Comparison

More Gallagher vs HUB International Comparisons

Other Tech E&O Insurance Comparisons

Sources

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.

HUB International

About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim. Accessed 2026-09-23.
Errors and Omissions (E&O) Insurance Coverage. HUB International; Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps. Accessed 2026-09-23.

Tech E&O Insurance Guide

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.
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.