Gallagher vs Resilience: How Do They Compare for Cyber Insurance?

Resilience advertises limits up to $20 million with threat monitoring and attack simulations; Gallagher Small Business arranges cyber for small firms and gives larger accounts a dedicated claims team.

Resilience's US disclosure names Homeland Insurance Company of New York or Delaware as underwriters and pairs the policy with Risk Operations Center monitoring and limits up to $20 million. Gallagher arranges cyber with outside carriers for small businesses and does not name an issuer. ^4,^3,^1,²

What Are the Key Differences Between Gallagher and Resilience Cyber Insurance?

Named Homeland Paper Versus Gallagher Broker Desks

Resilience's US disclosure says cyber products are distributed by Ocrea Risk Services, LLC doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware. Gallagher does not underwrite and does not name the issuer on either reviewed page. Choose Resilience if you want named US underwriters, a $20 million posted ceiling and bundled monitoring; choose Gallagher if you want a small-business broker desk or a larger-account practice with eRiskHub. ⁴ ¹ ²

Monitoring and eCrime Versus a $60 Million Claim Example

Resilience advertises cyber limits up to $20 million primary or excess, eCrime coverage up to $500,000, and Risk Operations Center monitoring with AttackIQ simulations. Gallagher publishes no limit and uses a $60 million claim example that is not a policy maximum. Do not treat that example as comparable to Resilience's ceiling. ³ ¹

24/7 In-House Claims Versus Forensic Accountants on Larger Files

Resilience describes a 24/7 in-house claims team with one manager from triage through settlement. Gallagher's forensic accountants are documented for the group practice, not the small-business page. ⁵ ²

What Should You Confirm in Gallagher and Resilience Cyber Insurance Quotes?

Ask Resilience which Homeland company would issue the policy. ⁴
Ask Gallagher which desk would handle you and which carrier it approached. ²
Ask Resilience whether the $20 million figure is primary or excess. ³

Gallagher vs Resilience Cyber Insurance Compared

Gallagher vs Resilience: Cyber Insurance: documented features by provider

Criteria	Gallagher Cyber Liability Insurance	Resilience Cyber Insurance
Who It’s For	Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. ¹Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting.	Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ³Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).
Coverage Features	Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ¹Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ¹Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.	Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ³Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.
Role in This Line	Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability page.	Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ³Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.
Risk Services	For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. ²Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product.	Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and access to breach-and-attack simulations powered by AttackIQ, in addition to the policy itself. ³Company-reported. "The Resilience Advantage" section of the cyber product page.