Gallagher vs TechInsurance: How Do They Compare for Cyber Insurance?

Gallagher Small Business notes rates are flat to down and names retail and healthcare as frequent targets; TechInsurance reports a median of $129 a month and lists exclusions.

TechInsurance arranges standalone cyber quotes from multiple carriers and cites a $129 monthly median, or about $1,552 a year. Gallagher recommends cyber for small businesses that handle customer data or card payments, including home-repair, and publishes no premium. ^3,¹

What Are the Key Differences Between Gallagher and TechInsurance Cyber Insurance?

A Published Median Versus Named Attack Targets

TechInsurance arranges cyber liability as a standalone policy, often bundled with technology E&O, and says policyholders pay a median of $129 per month based on its own customer data. Gallagher Small Business arranges cyber for shops that handle customer data or card payments, naming retail, healthcare, financial services and home-repair, and publishes no premium. Choose TechInsurance if you want competing quotes and a published median to sanity-check price; choose Gallagher if you are a home-repair or healthcare shop on its named list. ³ ¹

Hardware Damage Gaps Versus Rate Commentary

TechInsurance says cyber does not cover professional negligence unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware. Gallagher comments that cyber rates are flat to down and flags generative-AI phishing. Read TechInsurance's gap list against the form. Treat Gallagher's $60 million figure as a claim example. ³ ¹

Same-Day Certificate Versus eRiskHub

TechInsurance says a certificate of insurance is typically available the same day you buy. Gallagher's group practice adds eRiskHub for larger accounts; the small-business page does not claim same-day certificates. ⁴ ²

What Should You Confirm in Gallagher and TechInsurance Cyber Insurance Quotes?

Ask TechInsurance which carriers sit behind the $129 median. ³
Ask Gallagher which desk would handle you. ²
Neither page names the issuing insurer. ³ ¹

Gallagher vs TechInsurance Cyber Insurance Compared

Gallagher vs TechInsurance: Cyber Insurance: documented features by provider

Criteria	Gallagher Cyber Liability Insurance	TechInsurance Cyber Liability Insurance
Who It’s For	Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. ¹Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting.	TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. ³Company-reported. Who needs cyber liability insurance section of the product page.
Coverage Features	Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ¹Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ¹Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.	TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. ³Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. ³Company-reported. What isn't covered by cyber liability insurance section of the product page.
Role in This Line	Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability page.	TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. ³Company-reported. Cyber liability product page.

Criteria

Gallagher Cyber Liability Insurance

TechInsurance Cyber Liability Insurance

Who It’s For

Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. ¹Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting.

TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. ³Company-reported. Who needs cyber liability insurance section of the product page.

Coverage Features

Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ¹Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions.

Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ¹Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.

TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. ³Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form.

TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. ³Company-reported. What isn't covered by cyber liability insurance section of the product page.

Role in This Line

Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability page.

TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. ³Company-reported. Cyber liability product page.