--- title: "Gallagher vs TechInsurance: D&O Insurance" description: "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." canonical: "https://spot.insure/compare/gallagher-vs-techinsurance/directors-officers" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "gallagher-vs-techinsurance" provider-a: "gallagher" provider-b: "techinsurance" coverage-line: "directors-officers" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/gallagher-vs-techinsurance/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Gallagher and TechInsurance for D&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 D&O Insurance questions about Gallagher versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Gallagher vs TechInsurance for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Gallagher or TechInsurance? - What does Gallagher or TechInsurance publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: Gallagher and TechInsurance. - 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 TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance) — all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works - [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # 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 suits small companies that want D&O added to an existing policy at a published $133 median monthly premium, while Gallagher builds dedicated D&O programs for SPACs and companies going public. ## Gallagher vs TechInsurance D&O Insurance Summary 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ## 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") Gallagher publishes no limits, retentions or premiums; you'll only see numbers after its team designs a program. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - TechInsurance's D&O is claims-made; check the retroactive date and the criminal-acts exclusion on its form. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Ask Gallagher which insurers it would approach for a listing-stage tower. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## Gallagher vs TechInsurance D&O Insurance Compared | 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. [1](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. [2](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. [1](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). [2](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..)

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. [2](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..) | | 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. [1](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. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) | ## About Gallagher and TechInsurance and D&O Insurance - [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews) - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers) ## Related Pages for Gallagher vs TechInsurance D&O Insurance - [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): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [Gallagher D&O Insurance](https://spot.insure/insurance-providers/gallagher/directors-officers) - [TechInsurance D&O Insurance](https://spot.insure/insurance-providers/techinsurance/directors-officers) ## Sources for Gallagher vs TechInsurance D&O Insurance ### Sources About Gallagher 1. [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. ### Sources About TechInsurance 2. [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. 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. ## 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)