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

Mylo compares professional liability quotes across several business insurers, with buyers from app developers to salons, while Gallagher Small Business arranges E&O with partner carriers for firms in tax, accounting and technology.

Mylo explains that professional liability comes in claims-made and occurrence forms with optional tail coverage, while Gallagher's Errors and Omissions page describes what the coverage responds to without stating a policy trigger. ^2,¹

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

Policy Trigger

Mylo's FAQ explains the difference between claims-made and occurrence professional liability forms, and that tail coverage can extend reporting after a claims-made policy ends:

Mylo explains that professional liability comes in claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. ²Company-reported. Product page FAQ; which form and tail terms are offered depends on the placed carrier.

Gallagher's page names the underlying scenarios instead, negligence, personal injury, copyright infringement and claims against past work, temporary staff or contractors, and does not say which trigger applies to the policies it arranges. ¹

When comparing Gallagher and Mylo, use the published detail to screen for fit, then compare the quoted form, exclusions, and limits before buying.

Who Each Page Names as a Fit

Mylo markets professional liability to businesses that could face a claim from a client unhappy with their services, using examples spanning app development, financial planning and beauty-salon services. ² Gallagher instead names technology, insurance, accounting, tax, wealth management and legal services as recommended industries, plus doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers. ¹

Claims Contact

Mylo's carrier-contact directory lists claims phone numbers by carrier for Auto & Home and Business policies generally, but does not identify a professional-liability-specific claims contact or process. ³ Gallagher's page does not describe a claims process either; it directs buyers toward an online quote form, a phone line and a scheduled callback to start coverage. ¹

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

Mylo's FAQ names claims-made and occurrence as the two available triggers; ask which one applies to the policy it quotes for you. ²
Ask Gallagher whether its policy is claims-made or occurrence, since its page does not state a trigger. ¹
Neither Mylo's nor Gallagher's reviewed pages name the insurer that would issue a policy; ask both directly. ² ¹
Mylo's carrier directory has no professional-liability-specific claims line; confirm who to contact if a client threatens to sue. ³

Gallagher vs Mylo Professional Liability (E&O) Insurance Compared

Gallagher vs Mylo: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Gallagher Small Business Errors and Omissions Insurance	Mylo 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. ¹Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.	Mylo markets this line to businesses that could face a claim from a client unhappy with their professional services, using examples spanning app development, financial planning and beauty-salon services. ²Company-reported. Product page examples; a particular business's eligibility depends on underwriting.
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. ¹Company-reported. Product page "Get Covered Now" section.	Mylo says it recommends coverage customized to the business and compares professional liability quotes from top-rated business insurance companies to find a combination of coverage and price. ²Company-reported. Product page "How will Mylo find me the right policy?" 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. ¹Company-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. ¹Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.	Mylo describes the policy responding to breach-of-contract claims, bodily injury or property damage claims, financial-loss claims, and consequential-damages claims arising from a client relationship. ²Company-reported. Product page coverage descriptions; actual insuring agreements and exclusions are set by the issued policy. Mylo explains that professional liability comes in claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. ²Company-reported. Product page FAQ; which form and tail terms are offered depends on the placed carrier.
Role in This Line	Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ¹Company-reported. Gallagher Small Business's direct-to-small-business E&O product page.	Mylo brokers professional liability insurance by comparing quotes from multiple business insurance companies rather than underwriting the policy itself. ²Company-reported. Professional liability product page.