Gallagher vs RiskCube: How Do They Compare for Tech E&O Insurance?

Both are brokers. RiskCube compares carriers for AI/ML, fintech, govtech and Web3 firms and quotes in about 24 hours; Gallagher fields a 250-plus person tech practice for startups through global enterprises.

RiskCube suits AI, fintech, govtech, defense, space and Web3 companies that want Tech E&O quoted in about 24 hours, with excess cover for AI bias or hallucination claims; Gallagher suits tech companies of any size that want E&O and cyber combined by a large broker. Gallagher says it serves more than 7,500 tech and telecom clients. ^2,¹

What Are the Key Differences Between Gallagher and RiskCube Tech E&O Insurance?

Frontier-Sector Specialist vs Large Generalist Tech Broker

RiskCube targets AI and machine-learning, fintech, govtech, defense, space and Web3 companies, covering software errors, SLA failures, client financial losses and related data loss. Gallagher's Technology practice places one policy combining E&O and cyber for startups through global enterprises and reports more than 7,500 tech and telecom clients. Both are brokers. Choose RiskCube if you build AI or work in a frontier sector and need a fast quote; choose Gallagher if you're a larger company that wants cyber and E&O combined and other lines handled too. ² ³ ¹

AI Excess and Contract Checks vs Client Tools

RiskCube asks for your product, customers, revenue, SLA or indemnity terms and claims history, says it typically quotes in about 24 hours, can add excess cover for AI bias or hallucination claims, and checks waiver-of-subrogation language enterprise contracts demand. Gallagher publishes no turnaround time or AI-specific cover, but offers client tools such as Drive, Go, STEP, Submit and Verify. Neither publishes limits. ² ¹

What Should You Confirm in Gallagher and RiskCube Tech E&O Insurance Quotes?

Ask both which insurer and form they'll use, especially IP and AI exclusions. ¹ ²
If you need AI bias or hallucination cover, ask Gallagher whether its combined form addresses it. ² ¹
Ask Gallagher how long a quote will take. ² ¹

Gallagher vs RiskCube Tech E&O Insurance Compared

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
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. ²Company-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. ²Company-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. ²Company-reported. Tech E&O product page "Common Exclusions" section.
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. ²Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.
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. ²Company-reported. Tech E&O product page "AI & enterprise risk" FAQ.