Gallagher vs Mylo Professional Liability (E&O) Insurance

Mylo's page explains claims-made versus occurrence forms and tail coverage; Gallagher's page does not describe either policy trigger.

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 Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. ^7,⁸

Read the Mylo profile

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. ^11,^12,^13,¹⁴

Read the full coverage guide

Key Differences in 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. ⁹Company-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. ⁶

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. ⁹ 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. ⁶

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. ¹⁰ 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. ⁶

What to Confirm in 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. ⁹
Ask Gallagher whether its policy is claims-made or occurrence, since its page does not state a trigger. ⁶
Neither Mylo's nor Gallagher's reviewed pages name the insurer that would issue a policy; ask both directly. ⁹ ⁶
Mylo's carrier directory has no professional-liability-specific claims line; confirm who to contact if a client threatens to sue. ¹⁰

Offering Details

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

Criteria	Gallagher Small Business Errors and Omissions Insurance	Mylo Professional Liability Insurance
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.	Mylo brokers professional liability insurance by comparing quotes from multiple business insurance companies rather than underwriting the policy itself. ⁹Company-reported. Professional liability product 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 professional liability product page and Mylo's carrier-contact directory do not name the insurer that would issue a professional liability policy; the directory groups carriers under generic Auto & Home and Business categories only. ^9,¹⁰Not publicly disclosed. Checked the professional liability product page and the carrier-contact directory on 2026-09-23; neither ties a named carrier to this line.
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.	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. ⁹Company-reported. Product page examples; a particular business's eligibility depends on underwriting.
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.	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. ⁹Company-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. ⁹Company-reported. Product page FAQ; which form and tail terms are offered depends on the placed carrier.
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.
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.	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. ⁹Company-reported. Product page "How will Mylo find me the right policy?" section.
Claims Support	Not described in the reviewed sources.	Mylo's carrier-contact page 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. ¹⁰Not found in reviewed sources. Carrier-contact directory checked 2026-09-23; entries are organized by carrier and general product category, not by coverage line.

Full Comparison

More Gallagher vs Mylo 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.

Mylo

Small Business Insurance. Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
Professional Liability Insurance. Mylo; Professional Liability? But I Do Good Work; What does professional liability cover?; Professional liability FAQs (claims-made vs. occurrence, tail coverage); How will Mylo find me the right policy? Accessed 2026-09-23.
Contact Your Carrier. Mylo; Carrier contact list grouped by Auto & Home, Business and Claims; no professional-liability-specific entry. 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.