--- title: "Gallagher vs HUB International Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/gallagher-vs-hub-international/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/gallagher-vs-hub-international/technology-errors-omissions) # 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. ## Research Scope and Use Use this comparison to evaluate Gallagher and HUB International for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Gallagher places technology E&O with outside carriers as a combined E&O and cyber policy and cites more than 7,500 tech clients plus tools such as Gallagher Drive and Verify. HUB brokers technology E&O in its general E&O and technology practices, describing prior-acts and tail options and saying it insures more than 5,000 technology companies. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") ## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [Gallagher profile](https://spot.insure/insurance-providers/gallagher) ## 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](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [11](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [12](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") ## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") ### 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") ### 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") ## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") - Ask HUB whether prior-acts and tail are included; Gallagher’s reviewed technology page does not describe retroactive date or tail. [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") - Get issuing insurers, limits and retentions from both; neither page publishes those dollars. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") - Confirm whether Gallagher’s digital suite is in-scope for the Tech E&O engagement. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ## Offering Details | 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Not publicly disclosed; scope: 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Not found in reviewed sources; scope: 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Not publicly disclosed; scope: 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | ## Full Comparison - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss. - [Gallagher vs HUB International Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-hub-international/business-owners-policy) - [Gallagher vs HUB International Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-hub-international/commercial-auto) - [Gallagher vs HUB International Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-hub-international/commercial-property) - [Gallagher vs HUB International Crime Insurance](https://spot.insure/compare/gallagher-vs-hub-international/crime) - [Gallagher vs HUB International Cyber Insurance](https://spot.insure/compare/gallagher-vs-hub-international/cyber) - [Gallagher vs HUB International D&O Insurance](https://spot.insure/compare/gallagher-vs-hub-international/directors-officers) - [Gallagher vs HUB International Employee Health Benefits](https://spot.insure/compare/gallagher-vs-hub-international/employee-health-benefits) - [Gallagher vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/employment-practices) - [Gallagher vs HUB International Fidelity Bonds](https://spot.insure/compare/gallagher-vs-hub-international/fidelity-bonds) - [Gallagher vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/fiduciary) - [Gallagher vs HUB International General Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/general-liability) - [Gallagher vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-hub-international/kidnap-ransom) - [Gallagher vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-hub-international/professional-errors-omissions) - [Gallagher vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-hub-international/representations-warranties) - [Gallagher vs HUB International Surety Bonds](https://spot.insure/compare/gallagher-vs-hub-international/surety-bonds) - [Gallagher vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/umbrella-excess) - [Gallagher vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-hub-international/workers-compensation) - [Alliance Risk vs Gallagher Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/technology-errors-omissions) - [Alliance Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/technology-errors-omissions) - [Amelia Risk vs Gallagher Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/technology-errors-omissions) - [Amelia Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/technology-errors-omissions) - [At-Bay vs Gallagher Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-gallagher/technology-errors-omissions) - [At-Bay vs HUB International Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-hub-international/technology-errors-omissions) ## Sources ### Gallagher 1. [Technology Insurance for the Tech Industry](https://www.ajg.com/industries/technology-insurance/). 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. 2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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. 3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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. 4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/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 6. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 7. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 8. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 9. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). 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 10. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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. 11. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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. 12. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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. Updated 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/gallagher-vs-hub-international/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)