Gallagher vs 
Relm Insurance: How Do They Compare for Tech E&O Insurance?
Relm Insurance sells tech E&O apart from cyber, with a Fintech E&O option for fintech firms. Gallagher is a broker that places tech E&O combined with cyber liability in one policy from outside carriers.
Gallagher is a broker whose technology practice, serving more than 7,500 tech and telecom clients, places E&O and cyber together in one policy; Relm sells Tech E&O separately from cyber, warning that one doesn't replace the other, and offers a Fintech E&O product for blockchain and regulatory risk. 1,2
What Are the Key Differences Between Gallagher and Relm Insurance Tech E&O Insurance?
One Combined Policy vs Separate E&O and a Fintech Form
Gallagher is a broker that places tech E&O as one policy combining professional E&O with cyber liability for perils such as data breaches, ransomware and privacy violations. Its technology practice reports more than 7,500 tech and telecom clients overall. Relm sells Technology E&O as professional liability separate from cyber, covering poor service delivery, contract failure, software glitches that hurt customers and negligent advice, and says the two overlap but one doesn't cover the other's exposures. Relm also offers a separate Fintech E&O product for blockchain-related vulnerabilities and heightened regulatory scrutiny, which Gallagher doesn't describe. Neither names insurers or publishes limits. Choose Gallagher if you want E&O and cyber handled together by a large broker; choose Relm if you're a fintech or blockchain company or already have cyber. 1 2
What Should You Confirm in Gallagher and Relm Insurance Tech E&O Insurance Quotes?
- Ask Gallagher which insurer's form it's placing and confirm it combines E&O and cyber. 1
- Ask Relm whether you're quoted Tech E&O, cyber, both, or Fintech E&O. 2
- Get the issuing insurer and limits from both. 1 2
- Compare Relm's listed claim types with Gallagher's listed perils on the actual forms. 2 1
Gallagher vs Relm Insurance Tech E&O Insurance Compared
Gallagher vs Relm Insurance: Tech E&O Insurance: documented features by provider
| Criteria | Gallagher Technology Errors and Omissions (Tech E&O) Insurance | Relm Technology Errors and Omissions Insurance |
|---|---|---|
| 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. | Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. 2Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company. |
| 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. | Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. 2Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control. Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. 2Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product. Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. 2Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section. |
| 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. | Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. 2Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
