---
title: "Gallagher vs Resilience: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/gallagher-vs-resilience/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-resilience"
provider-a: "gallagher"
provider-b: "resilience"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-resilience/cyber)

## Agent Guide

**What this page is:** Focused comparison of Gallagher and Resilience for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Gallagher versus Resilience. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Gallagher vs Resilience for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Gallagher or Resilience?
- What does Gallagher or Resilience publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Gallagher and Resilience.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Gallagher vs Resilience](https://spot.insure/compare/gallagher-vs-resilience) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [Resilience profile](https://spot.insure/insurance-providers/resilience) — provider profile

# 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 names Homeland companies as US underwriters, posts limits up to $20 million, and bundles threat monitoring; Gallagher brokers unnamed carriers and adds eRiskHub only for larger accounts.

## Gallagher vs Resilience Cyber Insurance Summary

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](https://cyberresilience.com/disclaimer/ "Disclaimer") [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [2](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance")

## 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](https://cyberresilience.com/disclaimer/ "Disclaimer") [1](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [2](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance")

### 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](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?")

### 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](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") [2](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance")

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

- Ask Resilience which Homeland company would issue the policy. [4](https://cyberresilience.com/disclaimer/ "Disclaimer")
- Ask Gallagher which desk would handle you and which carrier it approached. [2](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance")
- Ask Resilience whether the $20 million figure is primary or excess. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance")

## Gallagher vs Resilience Cyber Insurance Compared

| 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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. [1](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions..)<br><br>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. [1](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [2](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "The Resilience Advantage" section of the cyber product page..) |

## About Gallagher and Resilience and Cyber Insurance

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [Resilience company profile](https://spot.insure/insurance-providers/resilience) · [Resilience customer reviews](https://spot.insure/insurance-providers/resilience/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Gallagher vs Resilience Cyber Insurance

- [Gallagher vs Resilience](https://spot.insure/compare/gallagher-vs-resilience): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Gallagher Cyber Insurance](https://spot.insure/insurance-providers/gallagher/cyber)
- [Resilience Cyber Insurance](https://spot.insure/insurance-providers/resilience/cyber)

## Sources for Gallagher vs Resilience Cyber Insurance

### Sources About Gallagher

1. [Cyber Liability Insurance: What is it? Who Needs It?](https://www.gallaghersmallbusiness.com/insurance-products/cyber/). Gallagher Small Business; What is Cyber Insurance?; Do you need cyber liability insurance?; Types of Cyber Liability Insurance (first-party and third-party); Who needs Cyber Liability Insurance; Cyber market trends; Consider this Cyber Liability Insurance claim example. Accessed 2026-09-23.
2. [Cyber Liability Insurance](https://www.ajg.com/insurance/cyber-liability-insurance/). Gallagher; Protect your business from cyber threats; We help you prevent, mitigate, manage and recover from a cybersecurity incident: Cyber exposure preparation, Insurance process preparation, Prevention and ongoing cyber risk management, Claims advocacy; Gallagher eRiskHub; dedicated claims team with cyber forensic accountants. Accessed 2026-09-23.

### Sources About Resilience

3. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Policy Coverage section: privacy wrongful act coverage, up to $500k eCrime coverage, coverage costs beyond policy limits, recovery for funds transfer fraud; "The Resilience Advantage" section; "Broad Market Appetite" availability table listing Cyber Insurance and Tech E&O in the United States. Accessed 2026-09-23.
4. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
5. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. Accessed 2026-09-23.

Updated 2026-09-25. 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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