Gallagher vs 
Risklytics: How Do They Compare for Tech E&O Insurance?
Risklytics, a licensed producer, takes applications online and reads every policy form for AI exclusions before binding. Gallagher is a broker with a 250-plus person tech practice and clients from startups to global enterprises.
Gallagher places technology E&O as one policy combining professional liability with cyber. Risklytics places Tech E&O for robotics, autonomy and AI companies, reads every form for hidden AI exclusions before binding, and sees typical requests of $1 million to $5 million per claim. 1,3,2
What Are the Key Differences Between Gallagher and Risklytics Tech E&O Insurance?
E&O and Cyber on One Policy vs E&O for AI Risk
Both are brokers, and neither names the insurer. Gallagher markets technology E&O as a single policy combining professional E&O with cyber liability. Risklytics places Tech E&O that pays when your product or service costs a customer money, keeps it separate from cyber for hacks and data leaks, and uses specialist insurers willing to write robotics, autonomy and AI risk. Choose Gallagher if you want E&O and cyber in one policy; choose Risklytics if AI or autonomous systems are core to your product. 1 2 3
AI-Exclusion Review and Typical Limits vs None Published
Risklytics says some insurers quietly exclude AI-related losses, so it reads every form for those exclusions before binding, and its customers typically ask for $1 million to $5 million per claim. Gallagher describes no AI-exclusion review and publishes no Tech E&O limits. 2 1
Online Application With No Broker Fee vs Not Described
Risklytics starts with an online application, adds no broker fee on top of premium, and keeps a licensed producer on your file until you bind. Gallagher describes neither an online application nor its fees for this line. 4 3 1
What Should You Confirm in Gallagher and Risklytics Tech E&O Insurance Quotes?
- Ask Risklytics to show the AI exclusions on your form, and ask Gallagher whether its combined wording excludes losses from model output. 2 1
- Get Gallagher’s limits to compare with Risklytics’ typical $1–5 million. 2 1
- If you go with Risklytics, decide whether you need a separate cyber policy. 2 1
- Ask Gallagher how it’s paid; Risklytics says it takes only insurer-paid commission. 4 1
Gallagher vs Risklytics Tech E&O Insurance Compared
Gallagher vs Risklytics: Tech E&O Insurance: documented features by provider
| Criteria | Gallagher Technology Errors and Omissions (Tech E&O) Insurance | Risklytics Professional Liability (Tech 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. | Risklytics says enterprise customers usually require this coverage in procurement before signing a first customer contract, and that it becomes relevant once a customer relies on a model's output. 2Company-reported. Lines page. |
| 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. | Risklytics describes Tech E&O as responding when a company's product or service costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and distinguishes it from cyber liability, which covers hacks and data leaks rather than a model's own faulty output. 2Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| 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. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) Insurance with outside carriers; it says it does not underwrite policies itself. 3Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| 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. | Risklytics calls Tech E&O the hardest line to get right because some insurers are quietly excluding AI-related losses, and says it reads every policy form for AI exclusions before it binds. 2Company-reported. Lines page. |
