Gallagher vs TechInsurance: How Do They Compare for D&O Insurance?

Gallagher builds D&O programs and advises on blank-check merger and IPO placements, while TechInsurance arranges coverage and explains its role in paying legal costs tied to management decisions.

TechInsurance sells D&O standalone or as an add-on to a general liability or business owner's policy, and cites a median premium of $133 a month. Gallagher builds dedicated D&O programs for SPACs and companies going public, with in-house claims attorneys and no published prices. ^1,²

What Are the Key Differences Between Gallagher and TechInsurance D&O Insurance?

Small-Company Add-On vs a Going-Public Program

TechInsurance targets companies with an active board, including employers with staff or stockholders, venture-backed startups and nonprofits. ² Gallagher markets D&O to SPACs around IPO and de-SPAC and to companies listing by IPO or direct listing, and designs the program with you rather than attaching it to another policy. ¹ Choose TechInsurance if you're a small tech company or nonprofit that wants D&O on top of your general liability or business owner's policy; choose Gallagher if you're a SPAC or preparing to list. ² ¹

What Drives Your Price

TechInsurance says your premium depends on limits, deductible, location, industry risk, headcount, revenue, claims history and IPO potential, so the $133 median is a starting point, not a quote. ² Gallagher publishes no limits, retentions or premiums; you'll only see numbers after its team designs a program. ¹

What Should You Confirm in Gallagher and TechInsurance D&O Insurance Quotes?

Ask TechInsurance whether your D&O is standalone or an endorsement, and which insurer issues it. ²
TechInsurance's D&O is claims-made; check the retroactive date and the criminal-acts exclusion on its form. ²
Ask Gallagher which insurers it would approach for a listing-stage tower. ¹

Gallagher vs TechInsurance D&O Insurance Compared

Gallagher vs TechInsurance: D&O Insurance: documented features by provider

Criteria	Gallagher Directors and Officers (D&O) Liability Insurance	TechInsurance Directors and Officers Insurance (D&O)
Who It’s For	Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. ¹Company-reported. Group-level executive-and-financial-risk practice page, SPAC and IPO subsections.	TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. ²Company-reported. D&O product page, Who needs D&O insurance coverage? section.
Coverage Features	Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement.	TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ²Company-reported. D&O product page; general policy description, not a specific policy form. TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ²Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.
Role in This Line	Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. ¹Company-reported. Group-level executive-and-financial-risk practice page.	TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ²Company-reported. D&O product page.

Criteria

Gallagher Directors and Officers (D&O) Liability Insurance

TechInsurance Directors and Officers Insurance (D&O)

Who It’s For

Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. ¹Company-reported. Group-level executive-and-financial-risk practice page, SPAC and IPO subsections.

TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. ²Company-reported. D&O product page, Who needs D&O insurance coverage? section.

Coverage Features

Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement.

TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ²Company-reported. D&O product page; general policy description, not a specific policy form.

TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ²Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.

Role in This Line

Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. ¹Company-reported. Group-level executive-and-financial-risk practice page.

TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ²Company-reported. D&O product page.