---
title: "Gallagher vs Risklytics: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/gallagher-vs-risklytics/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-risklytics"
provider-a: "gallagher"
provider-b: "risklytics"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-risklytics/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Gallagher and Risklytics for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Gallagher versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Gallagher vs Risklytics for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Gallagher or Risklytics?
- What does Gallagher or Risklytics publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Gallagher and Risklytics.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Gallagher vs Risklytics](https://spot.insure/compare/gallagher-vs-risklytics) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 tech E&O and cyber together on one policy; Risklytics places Tech E&O for AI and robotics companies, checks every form for hidden AI exclusions, and lets you apply online with no broker fee.

## Gallagher vs Risklytics Tech E&O Insurance Summary

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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are")

### 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](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")

### 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](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 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](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")
- Get Gallagher’s limits to compare with Risklytics’ typical $1–5 million. [2](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")
- If you go with Risklytics, decide whether you need a separate cyber policy. [2](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 how it’s paid; Risklytics says it takes only insurer-paid commission. [4](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")

## Gallagher vs Risklytics Tech E&O Insurance Compared

| 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. [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. [2](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. [2](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..) |
| 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. [3](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..) |
| 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. [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About Gallagher and Risklytics and Tech E&O Insurance

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for Gallagher vs Risklytics Tech E&O Insurance

- [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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [Gallagher Tech E&O Insurance](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions)
- [Risklytics Tech E&O Insurance](https://spot.insure/insurance-providers/risklytics/technology-errors-omissions)

## Sources for Gallagher vs Risklytics Tech E&O Insurance

### Sources About 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.

### Sources About Risklytics

2. [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.
3. [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.
4. [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.

Updated 2026-09-25. 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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