---
title: "Gallagher vs Risklytics Tech E&O Insurance"
description: "Gallagher places combined Tech E&O/cyber for a large tech book; Risklytics places Tech E&O after checking forms for silent AI exclusions."
canonical: "https://spot.insure/compare/gallagher-vs-risklytics/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Gallagher vs Risklytics Tech E&O Insurance

Gallagher places combined Tech E&O/cyber for a large tech book; Risklytics places Tech E&O after checking forms for silent AI exclusions.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Risklytics 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 for more than 7,500 clients. Risklytics describes itself as a licensed producer that places Professional Liability (Tech E&O) with specialist insurers, distinguishes it from cyber, and says it reads every form for AI exclusions before binding. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

## 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 Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [7](https://www.risklytics.ai/ "Insurance for Frontier Tech") [8](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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. [11](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](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

### Combined Cyber-Plus-E&O Placement Versus Distinct Tech E&O

Gallagher markets technology E&O as a single policy combining professional E&O with cyber liability. Risklytics places Tech E&O as professional liability that responds when a product or service costs a customer money, and distinguishes that from cyber liability for hacks and data leaks. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

Both Gallagher and Risklytics say they do not underwrite. Gallagher does not name the carrier; Risklytics says it places with specialist insurers willing to write robotics, autonomy, and AI risk, without naming them. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

### AI Exclusion Review

Risklytics says some insurers quietly exclude AI-related losses and that it reads every policy form for AI exclusions before it binds. Gallagher’s reviewed sources do not describe an AI-exclusion reading step for this line. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### Limits

Risklytics lists a typical ask of $1 million to $5 million per claim. Gallagher’s reviewed sources do not publish Tech E&O limit amounts. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

### How You Apply

Risklytics starts with an online application, says there is no broker fee on top of premium, and that a licensed producer stays on the file until bind. Gallagher’s reviewed sources do not describe an online application or a no-broker-fee statement for this line. [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## What to Confirm in Tech E&O Insurance Quotes

- Ask Risklytics to show AI exclusions on the form; ask Gallagher whether the combined E&O/cyber wording excludes model-output losses. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- Compare Risklytics’ $1–5 million typical ask with Gallagher’s unpublished placed limits. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- Confirm whether you still need a separate cyber policy with Risklytics versus Gallagher’s combined description. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- Ask Gallagher about producer compensation; Risklytics discloses no broker fee on top of premium and carrier-paid commission. [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [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 | Risklytics Professional Liability (Tech 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| 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..) | Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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..) | 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. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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..) | Risklytics lists a typical ask of $1 million to $5 million per claim for this line. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| 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..)<br><br>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..) | 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. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | Not described in the reviewed sources. | You start Risklytics Professional Liability (Tech E&O) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [Gallagher vs Risklytics](https://spot.insure/compare/gallagher-vs-risklytics): 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 Risklytics Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-risklytics/commercial-property)
- [Gallagher vs Risklytics Cyber Insurance](https://spot.insure/compare/gallagher-vs-risklytics/cyber)
- [Gallagher vs Risklytics D&O Insurance](https://spot.insure/compare/gallagher-vs-risklytics/directors-officers)
- [Gallagher vs Risklytics General Liability Insurance](https://spot.insure/compare/gallagher-vs-risklytics/general-liability)
- [Gallagher vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-risklytics/umbrella-excess)
- [Gallagher vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-risklytics/workers-compensation)
- [Alliance Risk vs Gallagher Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/technology-errors-omissions)
- [Alliance Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/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 Risklytics Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/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 Risklytics Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-risklytics/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.

### Risklytics

6. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
7. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
8. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
9. [Professional Liability (Tech E&O) Insurance](https://www.risklytics.ai/lines/professional/). Risklytics; Coverage line: Professional Liability (Tech E&O); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
10. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### Tech E&O Insurance Guide

11. [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.
12. [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.
13. [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 2026-09-24. 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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