---
title: "Gallagher vs Relm Insurance Tech E&O Insurance"
description: "Gallagher brokers combined Tech E&O and cyber placements; Relm sells Tech E&O separately from cyber and offers a fintech E&O product."
canonical: "https://spot.insure/compare/gallagher-vs-relm/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Gallagher vs Relm Insurance Tech E&O Insurance

Gallagher brokers combined Tech E&O and cyber placements; Relm sells Tech E&O separately from cyber and offers a fintech E&O product.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Relm Insurance for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Gallagher’s Technology practice places a combined E&O and cyber policy with outside carriers for a large technology book. Relm markets Technology E&O as professional liability separate from cyber, warns that one does not replace the other, and offers a distinct Fintech E&O product sold through brokers. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [6](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [7](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [9](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [11](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Combined Placement Versus Separate Products

Gallagher markets technology E&O as a single policy combining professional E&O with cyber liability; that is a practice description, not a named policy form. Relm markets Technology E&O separately from cyber and says overlap exists but one coverage does not address the other’s exposures. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

Neither Gallagher nor Relm names the issuing insurer in the reviewed sources. Gallagher does not underwrite this line. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

### Fintech Product

Relm says standard Tech E&O is not always sufficient for fintech and offers a distinct Fintech E&O product for blockchain-related vulnerabilities and heightened regulatory scrutiny. Gallagher’s reviewed sources do not describe a separate fintech E&O product. [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### What Each Describes as Covered

Relm describes claims from inadequate service delivery, contractual failure, software glitches affecting customers, and negligent advice. Gallagher markets technology E&O as combining professional E&O with cyber liability for perils such as data breaches, ransomware, and privacy violations. [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### Client Counts

Gallagher reports more than 7,500 technology and telecommunications clients for its Technology insurance practice as a whole, not as a Tech E&O-only count. Relm’s reviewed sources do not publish a client count for this line. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

## What to Confirm in Tech E&O Insurance Quotes

- Ask Gallagher which carrier form it is placing and whether that form combines professional E&O with cyber. Ask Relm whether the quote is Tech E&O, cyber, both, or Fintech E&O. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Ask Relm whether the Fintech E&O product applies to your risk. Gallagher’s reviewed sources do not describe a separate fintech E&O product. [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- Get issuing insurers and limits from both. Gallagher’s reviewed sources do not publish Tech E&O limits. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Compare Relm’s listed Tech E&O claim types with Gallagher’s listed professional E&O and cyber perils on the actual forms. [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## Offering Details

| Criteria | Gallagher Technology Errors and Omissions (Tech E&O) Insurance | Relm Technology Errors and Omissions Insurance |
| --- | --- | --- |
| 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |
| Issuing Insurer | The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Not publicly disclosed; scope: Checked the group-level technology industry practice page..) | The reviewed page does not name a specific issuing insurer for Tech E&O placements. [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control..)<br><br>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. [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product..)<br><br>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. [8](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section..) |
| Limits and Retentions | The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Not publicly disclosed; scope: Checked the group-level technology industry practice page..) | Not described in the reviewed sources. |
| Risk Services | Gallagher offers technology clients a digital suite including Gallagher Drive for data-driven risk analytics, Gallagher Go as a client self-service portal, Gallagher STEP for online safety training, Gallagher Submit for insurance-submission tracking, and Gallagher Verify for certificate management. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page; not confirmed as included with every tech E&O placement..)<br><br>Gallagher says its Technology insurance practice includes more than 250 dedicated professionals and points to named team leaders reachable at Rolling Meadows, Illinois phone numbers. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page..) | Not described in the reviewed sources. |

## Full Comparison

- [Gallagher vs Relm Insurance](https://spot.insure/compare/gallagher-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Gallagher vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-relm/commercial-property)
- [Gallagher vs Relm Insurance Crime Insurance](https://spot.insure/compare/gallagher-vs-relm/crime)
- [Gallagher vs Relm Insurance Cyber Insurance](https://spot.insure/compare/gallagher-vs-relm/cyber)
- [Gallagher vs Relm Insurance D&O Insurance](https://spot.insure/compare/gallagher-vs-relm/directors-officers)
- [Gallagher vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/employment-practices)
- [Gallagher vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/fiduciary)
- [Gallagher vs Relm Insurance General Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/general-liability)
- [Gallagher vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-relm/kidnap-ransom)
- [Gallagher vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-relm/professional-errors-omissions)
- [Gallagher vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/umbrella-excess)
- [Alliance Risk vs Gallagher Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/technology-errors-omissions)
- [Alliance Risk vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-relm/technology-errors-omissions)
- [Amelia Risk vs Gallagher Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/technology-errors-omissions)
- [Amelia Risk vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-relm/technology-errors-omissions)
- [At-Bay vs Gallagher Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-gallagher/technology-errors-omissions)
- [At-Bay vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-relm/technology-errors-omissions)

## Sources

### Gallagher

1. [Technology Insurance for the Tech Industry](https://www.ajg.com/industries/technology-insurance/). Gallagher; Solutions and coverages for the technology industry: Technology errors and omissions, including cyber liability; 250+ dedicated professionals, 7,500+ technology and telecommunications clients, $1B+ in annual premium; digital suite (Gallagher Drive, Go, STEP, Submit, Verify); Meet the Technology Insurance leaders. Accessed 2026-09-23.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.

### Relm Insurance

6. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
7. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
8. [Cyber and Technology Errors and Omissions](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/). Relm Insurance; What is Tech E&O Insurance?; Who Needs Cyber and Tech E&O Insurance?; What is Fintech Errors and Omissions Insurance?. Accessed 2026-09-23.

### Tech E&O Insurance Guide

9. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
10. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
11. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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