---
title: "Gallagher vs StartupInsurance.ai Tech E&O Insurance"
description: "Gallagher places combined Tech E&O/cyber for a large practice; StartupInsurance.ai brokers the line and reviews customer contracts for warranty gaps."
canonical: "https://spot.insure/compare/gallagher-vs-startupinsurance/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Gallagher vs StartupInsurance.ai Tech E&O Insurance

Gallagher places combined Tech E&O/cyber for a large practice; StartupInsurance.ai brokers the line and reviews customer contracts for warranty gaps.

## Research Scope and Use

Use this comparison to evaluate Gallagher and StartupInsurance.ai 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. StartupInsurance.ai lists Tech E&O with professional liability as a program line that ContractorNerd arranges as broker and offers a free policy check that reads customer contracts against tech E&O wording. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")

## 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 StartupInsurance.ai?

StartupInsurance.ai is a marketing brand of ContractorNerd Insurance Services, LLC, offering startup insurance placement and policy reviews. Buyers can begin with an online coverage selection or a review of existing policies and contract requirements. [6](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

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

### Large Practice Placement Versus Startup Program Line

Gallagher places technology E&O with outside carriers as a combined E&O and cyber policy for technology and telecommunications clients from startups to global enterprises. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

### Contract Review Versus Analytics Suite

ai says most tech E&O forms leave out accuracy warranties and uptime promises in customer contracts and that its free policy check flags those gaps before binding. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

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

- Ask StartupInsurance.ai which panel carrier applies and whether the AI-exclusion note hits Tech E&O. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Ask Gallagher which combined form it is placing and how it treats accuracy warranties and uptime SLAs. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Request a contract-to-form review on the Gallagher quote if you use StartupInsurance.ai’s check on the other. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- Get limits, retentions and issuing insurers from both. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

## Offering Details

| Criteria | Gallagher Technology Errors and Omissions (Tech E&O) Insurance | StartupInsurance.ai Technology Errors & Omissions (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..) | StartupInsurance.ai's coverage list places "Tech E&O and Professional Liability" as one program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Homepage coverage list and ContractorNerd's terms and conditions on its producer role; the page bundles tech E&O with professional liability in this one catalogue entry rather than describing them separately..) |
| 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..) | The homepage's carrier panel does not identify which panel carrier underwrites tech E&O placements; the reviewed pages do not disclose a specific insurer for this line. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel; the panel is program-wide, not broken out by coverage 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..) | Not described in the reviewed sources. |
| 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..) | StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy..)<br><br>StartupInsurance.ai says one major carrier added a blanket AI exclusion to "D&O, E&O and fiduciary" forms at renewal; the page does not specify whether "E&O" here means technology E&O, professional E&O, or both. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; the E&O reference is ambiguous between the two E&O lines the program sells, so this claim is not conclusively tech-E&O-specific..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | StartupInsurance.ai's free policy check reads a startup's customer contracts against its tech E&O wording, flagging places where the contract promises something (like an accuracy warranty) the policy doesn't cover. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy..) |
| How to Apply | Not described in the reviewed sources. | "Tech Errors & Omissions" is one of seven boxes on StartupInsurance.ai's online quote-intake screen, described there as coverage for "claims from your tech products or services failing." The same screen shows no separate box for general professional liability. [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; the absence of a distinct professional-liability box shows how the flow packages this line, not that professional liability is unavailable..) |

## Full Comparison

- [Gallagher vs StartupInsurance.ai](https://spot.insure/compare/gallagher-vs-startupinsurance): 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 StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-startupinsurance/commercial-auto)
- [Gallagher vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-startupinsurance/commercial-property)
- [Gallagher vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/gallagher-vs-startupinsurance/directors-officers)
- [Gallagher vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-startupinsurance/fiduciary)
- [Gallagher vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/gallagher-vs-startupinsurance/general-liability)
- [Gallagher vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/gallagher-vs-startupinsurance/surety-bonds)
- [Alliance Risk vs Gallagher Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/technology-errors-omissions)
- [Alliance Risk vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/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 StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/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 StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-startupinsurance/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.

### StartupInsurance.ai

6. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
7. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Tech Errors & Omissions — “Covers claims from your tech products or services failing”. Accessed 2026-09-23.
8. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Wording that still says yes (accuracy warranties/uptime promises and tech E&O forms; “One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23.
9. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”. Accessed 2026-09-23.

### Tech E&O Insurance Guide

10. [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.
11. [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.
12. [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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