---
title: "Gallagher vs TechInsurance D&O Insurance"
description: "Gallagher’s D&O practice is built around SPACs and IPOs; TechInsurance arranges D&O standalone or as a GL/BOP endorsement."
canonical: "https://spot.insure/compare/gallagher-vs-techinsurance/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/gallagher-vs-techinsurance/directors-officers)

# Gallagher vs TechInsurance D&O Insurance

Gallagher’s D&O practice is built around SPACs and IPOs; TechInsurance arranges D&O standalone or as a GL/BOP endorsement.

## Research Scope and Use

Use this comparison to evaluate Gallagher and TechInsurance for D&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 Executive and Financial Risk practice places D&O for SPACs and companies going public, with in-house claims attorneys. TechInsurance arranges D&O as a standalone policy or as an endorsement to a general liability policy or BOP, says coverage is claims-made, and cites a median premium of $133 per month. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## 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") [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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [6](https://www.techinsurance.com/about-us "About TechInsurance") [7](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [9](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### How the Policy Is Sold

Gallagher’s Executive and Financial Risk practice places D&O and advises on program design for SPACs and companies going public; it does not underwrite. TechInsurance arranges D&O and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner’s policy. Gallagher’s reviewed page does not describe D&O riding a GL or BOP form. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

Confirm whether you would hold a dedicated D&O placement or an endorsement on another commercial policy. Gallagher’s described path is the former. TechInsurance’s described path can be either. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

### Price Disclosure

TechInsurance says D&O policyholders pay a median of $133 per month, with premium depending on limits, deductible, jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. Gallagher’s executive-and-financial-risk page does not publish D&O limits, retentions or premium ranges. [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Who They Aim At

Gallagher specifically markets D&O to SPACs around IPO and de-SPAC and to companies going public through an IPO or direct listing. TechInsurance targets companies with an active board, naming employers with employees or stockholders, venture-backed startups, and nonprofits. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## What to Confirm in D&O Insurance Quotes

- Ask TechInsurance whether the quote is standalone D&O or an endorsement, and who issues it. [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")
- Ask Gallagher which carrier it would approach for a listing-stage tower. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask TechInsurance how the $133 median relates to your limit, deductible and IPO potential. [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")
- Confirm the claims-made retroactive date and criminal-act exclusions on the TechInsurance form. [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## Offering Details

| Criteria | Gallagher Directors and Officers (D&O) Liability Insurance | TechInsurance Directors and Officers Insurance (D&O) |
| --- | --- | --- |
| 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) |
| Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's D&O policy; it says Gallagher weighs carrier qualifications and performance data alongside a client's own insurer history and preferences when deciding which carriers to approach. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | The reviewed page does not name the issuing insurer for a D&O policy. [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Not publicly disclosed; scope: D&O product page as read on 2026-09-23..) |
| 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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). [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)<br><br>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. [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, How does directors and officers insurance work? and exclusions sections..) |
| Limits and Retentions | The executive-and-financial-risk page does not publish D&O limits, retentions or premium ranges. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. [8](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| Risk Services | For SPACs and IPOs, Gallagher describes bundling D&O coverage before and after the IPO with related lines such as representations and warranties, E&O, cyber, tax and contingent liability coverage, plus risk-management and claims support at each stage. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page, SPAC subsection..) | Not described in the reviewed sources. |
| Claims Support | Gallagher says its Executive and Financial Risk practice has a dedicated claims-advocacy team with in-house attorneys specializing in these lines, and that it uses quantitative benchmarking, including measuring the judicious use of Side-A-only D&O coverage, to guide more precise coverage structures. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice summary; describes a support service, not a guarantee of claim payment..) | Not described in the reviewed sources. |

## Full Comparison

- [Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Gallagher vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-techinsurance/business-owners-policy)
- [Gallagher vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/commercial-auto)
- [Gallagher vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/commercial-property)
- [Gallagher vs TechInsurance Cyber Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/cyber)
- [Gallagher vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/employment-practices)
- [Gallagher vs TechInsurance Fidelity Bonds](https://spot.insure/compare/gallagher-vs-techinsurance/fidelity-bonds)
- [Gallagher vs TechInsurance General Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/general-liability)
- [Gallagher vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/professional-errors-omissions)
- [Gallagher vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/technology-errors-omissions)
- [Gallagher vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/umbrella-excess)
- [Gallagher vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Gallagher D&O Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/directors-officers)
- [Alliance Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers)
- [Amelia Risk vs Gallagher D&O Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/directors-officers)
- [Amelia Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/directors-officers)
- [Beazley vs Gallagher D&O Insurance](https://spot.insure/compare/beazley-vs-gallagher/directors-officers)
- [Beazley vs TechInsurance D&O Insurance](https://spot.insure/compare/beazley-vs-techinsurance/directors-officers)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
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; Directors and Officers (D&O) Liability insurance section; Special-Purpose Acquisition Companies (SPACs) section; IPO and direct listings section; Executive and Financial Risk Practice Summary. Accessed 2026-09-23.
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.

### TechInsurance

6. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
7. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
8. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). Accessed 2026-09-23.

### D&O Insurance Guide

9. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/gallagher-vs-techinsurance/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)