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

Pie Insurance connects small businesses to carrier partners and starts the quote on its website; Gallagher Small Business also arranges E&O through partner carriers but adds a phone advisor line and scheduled callbacks.

Pie says its errors and omissions coverage does not protect against criminal prosecution, while Gallagher's Errors and Omissions page names covered scenarios, including copyright infringement and punitive damages, without a comparable exclusions statement. ^2,¹

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

How Coverage Is Described

Pie describes errors and omissions insurance as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution:

Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. ²Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.

Gallagher's page instead names copyright infringement, punitive damages, and claims against past work, temporary staff or contractors as covered scenarios, without a stated criminal-prosecution exclusion. ¹

When comparing Gallagher and Pie Insurance, 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

Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents as professionals who often carry E&O insurance. ² Gallagher instead names technology, insurance, accounting, tax, wealth management and legal services, plus doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers. ¹

Market Commentary

Gallagher's page adds a market-conditions section, saying the E&O market has seen rate increases that have started to moderate, driven by higher claim frequency and more selective underwriting. ¹ Pie's page does not include comparable market-trend commentary; it instead directs buyers to contact the company to start a quote. ²

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

Ask Pie which of its carrier partners would issue your policy, since its page names none specifically. ²
Ask Gallagher to name the partner carrier behind your quote, since its page describes the practice without naming one. ¹
Neither reviewed page publishes E&O limits or deductibles; request specific figures from both. ² ¹
Ask Gallagher how the rate increases it describes affect pricing for your specific profession. ¹

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

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

Criteria	Gallagher Small Business Errors and Omissions Insurance	Pie Errors and Omissions 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.	Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. ²Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.
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.	Pie directs errors and omissions buyers to contact the company to start a quote through its website. ²Company-reported. Errors and Omissions product page as read on 2026-09-23.
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.	Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. ²Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.
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.	Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. ²Company-reported. Errors and Omissions product page as read on 2026-09-23.