Gallagher vs Marsh Tech E&O Insurance

Gallagher places combined Tech E&O and cyber for a large technology book; Marsh treats tech E&O as a specialty and a data-center program building block.

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

Read the Gallagher profile

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. ^6,^7,^8,⁹

Read the Marsh 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. ^12,^13,¹⁴

Read the full coverage guide

Key Differences in Tech E&O Insurance

Combined Placement Versus Data-Center Program Design

Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from professional services with cyber liability for breaches, ransomware and privacy violations, placed with outside carriers. Marsh treats tech E&O as a financial and professional liability specialty and separately as a building block inside data-center insurance programs. Marsh’s data-center page argues that conventional tech E&O was not built for modern data-center scale and concentration and can leave gaps. Gallagher’s technology page does not frame the line around data-center property and casualty towers. ¹ ¹¹ ¹⁰

Book, Industries and Unpublished Limits

Gallagher cites more than 7,500 technology and telecommunications clients from startups to global enterprises and over $1 billion in annual premium placed. Marsh names technology among specialized industries its professional-liability experts serve, alongside banking, insurance, asset management, media and healthcare. Neither reviewed set publishes Tech E&O limits or names the issuing insurer. ¹ ¹¹

Client Tools

Gallagher offers Drive, Go, STEP, Submit and Verify to technology clients, not confirmed as included with every Tech E&O placement, and points to more than 250 dedicated Technology professionals. Marsh’s reviewed professional-liability and data-center pages do not describe an equivalent named digital suite for this line. ¹ ¹¹ ¹⁰

What to Confirm in Tech E&O Insurance Quotes

If you operate a data center, ask Marsh how tech E&O combines with property and casualty; ask Gallagher whether it is placing a standalone combined E&O/cyber policy. ¹⁰ ¹
Get carrier names, forms, limits and retentions from both brokerages. ¹ ¹¹
Ask Gallagher whether Drive and Verify are in the Tech E&O engagement. ¹
Confirm whether Marsh’s placement is tech E&O only or a multi-line data-center program. ¹⁰

Offering Details

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

Criteria	Gallagher Technology Errors and Omissions (Tech E&O) Insurance	Marsh 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.	Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. ^11,¹⁰Company-reported. Marsh professional liability page and data-center insurance page.
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.	The reviewed pages do not name a specific technology E&O insurer. ^11,¹⁰Not publicly disclosed. Marsh professional liability and data-center insurance pages as read on 2026-09-23.
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.	Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. ¹¹Company-reported. Marsh professional liability page, What We Offer section.
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.	Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. ¹⁰Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product.
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.	Not described in the reviewed sources.
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.

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.

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.
Data center insurance and risk management. Marsh; Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers. Accessed 2026-09-23.
Professional liability. Marsh; What We Offer: specialized industries served, including Technology. 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.