Gallagher vs 
Marsh Professional Liability (E&O) Insurance
Marsh names a specialist bench of attorneys, economists and actuaries for professional liability; Gallagher's page names no comparable in-house team.
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
What Is Marsh?
Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. 7,8,9,10
What Is Professional Errors and Omissions (E&O) Insurance?
Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. 13,14,15,16
Key Differences in Professional Liability (E&O) Insurance
Specialist Support Behind the Placement
Marsh names a specific in-house team it uses to assess professional liability exposure:
Marsh says it employs attorneys, economists and actuaries alongside coverage specialists to assess a client's professional liability exposure from multiple angles, given the complexity of these risks. 11Company-reported. Marsh professional liability page.
Gallagher's page does not describe a comparable specialist bench; it instead discusses market-rate conditions, saying the E&O market has seen rate increases that have started to moderate. 6
Who Each Page Names as a Fit
Marsh names specialized industries its professional liability experts serve, including banking and broker/dealers, insurance companies and asset managers, merchant banking and venture capital, accountants, attorneys, architects and engineers, media and entertainment, technology, and healthcare and biotechnology. 11 Gallagher instead names technology, insurance, accounting, tax, wealth management and legal services, plus doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers. 6
What the Policy Is Described as Covering
Marsh's page adds that many of the professional liability policies it arranges also cover privacy violations and computer security breaches, on top of liability and defense costs from an alleged error, omission or negligence. 11 Gallagher's coverage description instead centers on client charges of negligence or injury tied to professional services, naming copyright infringement and punitive damages among what it responds to, without mentioning privacy or computer-security coverage. 6
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Confirm whether Marsh's specialist team, attorneys, economists and actuaries, reviews accounts at your revenue level. 11
- Ask Gallagher how the market conditions it describes affect pricing for your specific profession. 6
- Neither Marsh's nor Gallagher's reviewed pages name an issuing insurer; ask both which carrier would underwrite your policy. 11 6
- Ask Marsh whether privacy or computer-security coverage is included in your policy, and ask Gallagher whether a comparable extension is available. 11 6
Offering Details
Gallagher vs Marsh Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Gallagher Small Business Errors and Omissions Insurance | Marsh Professional Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. 6Company-reported. Gallagher Small Business's direct-to-small-business E&O product page. | Marsh's financial and professional liability practice places professional liability (errors and omissions) insurance; MMA also places E&O coverage within its executive and professional liability practice for middle-market clients. 11,12Company-reported. Marsh professional liability page and MMA executive and professional liability page. |
| Issuing Insurer | The E&O product page does not name the insurer that would issue a given business's policy. 6Not publicly disclosed. Checked the E&O product page on 2026-09-23. | The reviewed pages do not name a specific professional liability insurer. 11,12Not publicly disclosed. Marsh professional liability page and MMA executive and professional liability page as read on 2026-09-23. |
| 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. 6Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting. | Marsh names specialized industries its professional liability experts serve, including banking and broker/dealers, insurance companies and asset managers, merchant banking and venture capital, accountants, attorneys, architects and engineers, media and entertainment, technology, and healthcare and biotechnology. 11Company-reported. Marsh professional liability page, What We Offer section. |
| 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. 6Company-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. 6Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business. | Marsh says professional liability coverage can protect a company against liability and defense costs from a claim alleging an error, omission or negligence in performing professional services, and that many policies also cover privacy violations and computer security breaches. 11Company-reported. Marsh professional liability page opening description; illustrative policy description, not a specific policy form. |
| Limits and Retentions | The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. 6Not publicly disclosed. Checked the E&O product page on 2026-09-23. | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | Marsh says it employs attorneys, economists and actuaries alongside coverage specialists to assess a client's professional liability exposure from multiple angles, given the complexity of these risks. 11Company-reported. Marsh professional liability page. |
| 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. 6Company-reported. Product page "Get Covered Now" section. | Not described in the reviewed sources. |
Full Comparison
More Gallagher vs Marsh Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- 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.
- Errors and Omissions Insurance. 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.
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Professional liability. Marsh; Opening description; What We Offer: specialized industries served (banking, insurance/asset managers, merchant banking/venture capital, accountants/attorneys/architects/engineers, media/communications/entertainment, technology, healthcare/biotechnology). Accessed 2026-09-23.
- Expert Executive and Professional Liability Insurance. Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
