Gallagher vs 
Nationwide: How Do They Compare for Professional Liability (E&O) Insurance?
What Is Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 1,2,3,4,5
Read the Gallagher Professional Liability (E&O) Insurance page
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 7,8,9
Read the Nationwide Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 11,12,13,14
Key Differences in Professional Liability (E&O) Insurance
Quote Channels and Buyer Support
Gallagher Small Business describes an online E&O quote, a phone line to a small-business advisor and a scheduled callback; it arranges the coverage with partner carriers. Nationwide directs prospects to an agent or quote request, without specifying an online E&O form or staffed phone route in its overview. A buyer who wants to start online or talk with an advisor can compare Gallagher’s stated entry points with the Nationwide agent’s process and identify the carrier behind either offer. 6 10
Covered Claim Examples
Gallagher describes E&O claims involving professional negligence, personal injury, copyright infringement, punitive damages, past work, temporary staff and independent contractors. Nationwide’s overview describes allegations of errors or omissions in professional services but does not list comparable examples. The difference makes the wording check concrete: ask whether past projects and work by temporary or contract staff are covered, and under what conditions. 6 10
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask Gallagher which partner carrier issues the policy and whether past work, temporary staff and independent contractors meet its terms. 6
- Ask Nationwide’s agent for the covered service definition and whether the form responds to past work and contractor acts. 10
- Compare available online, phone or callback steps with the timing and documents required to bind. 6 10
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Gallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
Gallagher vs Nationwide: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Gallagher Small Business Errors and Omissions Insurance | Nationwide professional errors omissions (official overview) |
|---|---|---|
| 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. | Nationwide describes offering professional errors omissions for the audience stated on the cited product page. 10Company-reported. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | Confirm in your quote. |
| 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. | Professionals and businesses providing services to others as described by Nationwide; exact eligible classes depend on underwriting. 10Company-reported. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | The cited product page describes E&O insurance for claims alleging errors or omissions in professional services, as described on Nationwide's product page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 10Company-reported. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 10Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 10Company-reported. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More Gallagher vs Nationwide 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.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Errors and Omissions Insurance. Nationwide; E&O page; professional-services liability and coverage overview. Accessed 2026-09-30.
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.
