--- title: "Gallagher vs Resilience Tech E&O Insurance" description: "Gallagher brokers unnamed-carrier Tech E&O placements; Resilience names Homeland insurers, $10M limits and a $25M–$10B revenue appetite." canonical: "https://spot.insure/compare/gallagher-vs-resilience/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/gallagher-vs-resilience/technology-errors-omissions) # Gallagher vs Resilience Tech E&O Insurance Gallagher brokers unnamed-carrier Tech E&O placements; Resilience names Homeland insurers, $10M limits and a $25M–$10B revenue appetite. ## Research Scope and Use Use this comparison to evaluate Gallagher and Resilience 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 combined E&O and cyber coverage with outside carriers and does not name the insurer or publish limits. Resilience’s US technology E&O is distributed by Ocrea Risk Services and underwritten by Homeland Insurance Company of New York or Delaware, with advertised limits up to $10 million for companies with $25 million to $10 billion in revenue. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://cyberresilience.com/disclaimer/ "Disclaimer") [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") ## 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 Resilience Insurance? Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services. Its offerings address both insurance placement and security investment decisions. [6](https://cyberresilience.com/ "Home Page") [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [Resilience profile](https://spot.insure/insurance-providers/resilience) ## 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. [10](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [11](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [12](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 ### Brokerage Versus Named Homeland Paper Gallagher places technology E&O with outside carriers and does not underwrite; its technology page does not name the insurer. Resilience’s US disclosure names Ocrea Risk Services, LLC as distributor and Homeland Insurance Company of New York or Delaware as underwriters. Gallagher describes a combined E&O and cyber policy; Resilience markets technology E&O as professional liability for technology companies with complex risk, listing six segments from MSPs and hardware to data centers, telecom, software and web services. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://cyberresilience.com/disclaimer/ "Disclaimer") [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") ### Limits, Revenue and Form Style Resilience advertises limits up to $10 million on primary and excess for US business with $25 million to $10 billion in revenue. Gallagher reports more than 7,500 clients from startups to global enterprises but does not publish Tech E&O limits or a revenue band. Resilience describes endorsements integrated into the policy form. Gallagher does not describe that “beginning-to-end read” form structure. A startup below $25 million in revenue sits in Gallagher’s startup-to-enterprise description and outside Resilience’s published floor. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ### Claims and Client Platforms Resilience describes a 24/7 in-house claims and incident-response team with a dedicated claims manager. Gallagher lists Drive, Go, STEP, Submit and Verify and more than 250 Technology professionals; its reviewed technology page does not describe an in-house claims team for this line. Resilience’s product page routes visitors to request a quote; Gallagher’s page is a practice overview rather than a self-service bind path. [9](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ## What to Confirm in Tech E&O Insurance Quotes - Confirm which Homeland company would issue Resilience coverage versus which carrier Gallagher would place. [8](https://cyberresilience.com/disclaimer/ "Disclaimer") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") - Check revenue against Resilience’s $25 million–$10 billion band versus Gallagher’s unpublished thresholds. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") - Compare Resilience’s $10 million advertised limit with Gallagher’s unpublished placed limits. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") - Ask how claims will be handled on each quote. [9](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") [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 | Resilience Technology E&O | | --- | --- | --- | | 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..) | Resilience markets technology E&O as professional liability coverage for technology companies with complex risk, distributed in the US by a separate insurance agency rather than underwritten by the Resilience brand itself. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page introduction, accessed 2026-09-23..) | | 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..) | Resilience's US disclosure states that technology E&O products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The product page separately says capacity comes through "approved underwriting companies" rated by AM Best, without naming an insurer beyond the two Homeland entities. [8](https://cyberresilience.com/disclaimer/ "Disclaimer") [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: US paragraph of Resilience's disclaimer page and the "Superior Capacity" benefit on the product page, both accessed 2026-09-23; product- and state-specific issuer mapping is not published..) | | 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..) | Resilience targets US technology E&O business with $25 million to $10 billion in revenue for primary and excess placements, spanning technology services, technology hardware, data centers, telecommunications, software and web services. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "A Broad Market Appetite" benefit and segment list on the product page, accessed 2026-09-23; smaller companies fall outside the published revenue range..) | | 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..) | Resilience says its policy endorsements are integrated directly into the policy form, which it calls "Coverage Certainty," for what it describes as a straightforward, beginning-to-end read rather than a base form layered with separate endorsement documents. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Coverage Certainty" benefit on the product page; the actual policy as issued controls..)

Resilience lists six technology segments it underwrites for E&O: technology services (MSP/MSSP, consulting, staffing, storage services, VARs), technology hardware and networking equipment manufacturing, data centers, telecommunications, software (including AI, security software and payment processors) and web services. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Comprehensive coverage for technology risks" segment list on the product page, accessed 2026-09-23..) | | 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..) | Resilience advertises technology E&O limits up to $10 million, available on both a primary and an excess basis. The page does not publish retentions or deductibles. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "A Broad Market Appetite" benefit, accessed 2026-09-23; the figure is a marketing maximum, not a specific quote..) | | 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..)

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. | | How to Apply | Not described in the reviewed sources. | The reviewed technology E&O product page does not describe a self-service online application or quoting process; it routes visitors to request a quote rather than showing an application flow. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Not publicly disclosed; scope: Technology E&O product page, accessed 2026-09-23..) | | Claims Support | Not described in the reviewed sources. | Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. The reviewed pages do not describe a claims process specific to technology E&O separate from this shared claims team. [9](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") (Evidence: Company-reported; scope: Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified..) | ## Full Comparison - [Gallagher vs Resilience](https://spot.insure/compare/gallagher-vs-resilience): 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 Resilience Cyber Insurance](https://spot.insure/compare/gallagher-vs-resilience/cyber) - [Alliance Risk vs Gallagher Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/technology-errors-omissions) - [Alliance Risk vs Resilience Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-resilience/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 Resilience Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-resilience/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 Resilience Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-resilience/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. ### Resilience 6. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16. 7. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; "Comprehensive coverage for technology risks" segment list; "Key Benefits" section: A Broad Market Appetite, Comprehensive Coverage, Coverage Certainty, Superior Capacity. Accessed 2026-09-23. 8. [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. 9. [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. ### Tech E&O Insurance Guide 10. [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. 11. [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. 12. [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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/gallagher-vs-resilience/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)