Gallagher vs RiskCube Tech E&O Insurance

Gallagher’s large Technology practice places combined E&O/cyber; RiskCube scans carriers for Tech E&O aimed at AI, fintech and Web3 firms.

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,^2,^3,^4,⁵

Read the Gallagher profile

What Is RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. ^6,^7,⁸

Read the RiskCube profile

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,^11,¹²

Read the full coverage guide

Key Differences in Tech E&O Insurance

Who Each Practice Names

Gallagher’s Technology practice serves technology and telecommunications clients from startups to global enterprises and reports more than 7,500 such clients. RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space, and Web3 companies whose software or models can create financial loss or contract disputes. ¹ ⁹

Both Gallagher and RiskCube broker this line rather than underwrite it. Gallagher describes a combined E&O and cyber policy; RiskCube describes Tech E&O covering software errors, SLA failure, client financial losses, and related data loss. ¹ ⁹ ⁸

Services Around the Placement

RiskCube says it can layer excess for AI-related gaps such as algorithmic-bias or hallucination claims and checks waiver-of-subrogation language that enterprise MSAs request. Gallagher’s reviewed sources do not describe that AI-excess layering or MSA wording check. ⁹ ¹

Gallagher lists Drive, Go, STEP, Submit, and Verify as a digital suite for technology clients, not confirmed on every Tech E&O placement. RiskCube’s reviewed sources do not describe those named tools. ¹ ⁹

How You Apply

RiskCube asks for product, customer, revenue, SLA or indemnity, and claims details, and says it typically returns quotes within about 24 hours depending on complexity. Gallagher’s reviewed sources describe a practice with named team leaders and do not publish a quote-turnaround time for this line. ⁹ ¹

Published Limits

Neither Gallagher nor RiskCube publishes specific Tech E&O limit or retention amounts. ¹ ⁹

What to Confirm in Tech E&O Insurance Quotes

Ask both which carrier and form they are placing, especially IP and AI-related exclusions. ¹ ⁹
If you need hallucination or bias cover, ask RiskCube about the excess layer; ask Gallagher whether the combined form addresses those claims. ⁹ ¹
Compare Gallagher’s unpublished limits with RiskCube’s contract-driven limit advice on the same submissions. ¹ ⁹
Confirm timing: RiskCube’s about-24-hour statement versus Gallagher’s broker timeline. ⁹ ¹

Offering Details

Gallagher vs RiskCube Tech E&O Insurance: documented features by provider

Criteria	Gallagher Technology Errors and Omissions (Tech E&O) Insurance	RiskCube Technology Errors and Omissions (E&O) 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. ¹Company-reported. Group-level technology industry practice page.	RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ⁹Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.
Issuing Insurer	The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. ¹Not publicly disclosed. Checked the group-level technology industry practice page.	RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. ^8,⁹Company-reported. Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23.
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.	RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. ⁹Company-reported. Tech E&O product page "Who needs this coverage" section.
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.	RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. ⁹Company-reported. Tech E&O product page "What's covered" section. RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. ⁹Company-reported. Tech E&O product page "Common Exclusions" section.
Limits and Retentions	The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. ¹Not publicly disclosed. Checked the group-level technology industry practice page.	RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. ⁹Not publicly disclosed. Tech E&O product page "How much Tech E&O coverage do startups need" FAQ.
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. ¹Company-reported. 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. ¹Company-reported. Group-level technology industry practice page.	RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. ⁹Company-reported. Tech E&O product page "AI & enterprise risk" FAQ.
How to Apply	Not described in the reviewed sources.	RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. ⁹Company-reported. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs.
Claims Support	Not described in the reviewed sources.	The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. ⁹Not found in reviewed sources. Tech E&O product page as read on 2026-09-23.

Full Comparison

More Gallagher vs RiskCube Comparisons

Other Tech E&O Insurance Comparisons

Sources

Gallagher

Technology Insurance for the Tech Industry. 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.
Insurance for Technology & IT Businesses. 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.
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.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.

RiskCube

Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
Technology Errors and Omissions (E&O) Insurance. RiskCube; Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. Accessed 2026-09-23.

Tech E&O Insurance Guide

Insurance and Bonding Guidelines. 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.
Technology Errors and Omissions Insurance. 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.
DigiTech Enterprise Risk Management. 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.