Gallagher vs TechInsurance Professional Liability (E&O) Insurance

TechInsurance publishes a median E&O premium and a claims-reporting process; Gallagher's page publishes neither figure.

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,^2,^3,^4,⁵

Read the Gallagher profile

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. ^7,⁸

Read the TechInsurance profile

What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. ^10,^11,^12,¹³

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

Published Cost

TechInsurance discloses a specific figure drawn from its own book of business:

TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. ⁹Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Gallagher's page does not publish a comparable cost figure; it instead describes market-rate trends, saying the E&O market has seen rate increases that have started to moderate. ⁶

Claims Process

TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. ⁹ Gallagher's page does not describe a claims process; it directs buyers toward an online quote form, a phone advisor line, and a scheduled callback to start coverage instead. ⁶

Policy Trigger

TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends a retroactive date to cover past work. ⁹ Gallagher's page does not state whether the policies it arranges are claims-made or occurrence; it lists covered scenarios such as negligence, personal injury and copyright infringement instead. ⁶

What to Confirm in Professional Liability (E&O) Insurance Quotes

TechInsurance's $88-a-month figure is a median across its book of business; ask for a quote specific to your location, profession risk and claims history. ⁹
Ask Gallagher for a specific premium range for your profession, since its page describes market trends rather than pricing. ⁶
Neither TechInsurance's nor Gallagher's reviewed pages name an issuing insurer; ask both directly. ⁹ ⁶
Ask TechInsurance whether a retroactive date is already set for your policy, and ask Gallagher whether the policy it arranges uses one. ⁹

Offering Details

Gallagher vs TechInsurance Professional Liability (E&O) Insurance: documented features by provider

Criteria	Gallagher Small Business Errors and Omissions Insurance	TechInsurance Errors and Omissions Insurance
Role in This Line	Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ⁶Company-reported. Gallagher Small Business's direct-to-small-business E&O product page.	TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. ⁹Company-reported. Errors and omissions product page.
Issuing Insurer	The E&O product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the E&O product page on 2026-09-23.	The reviewed page does not name the issuing insurer for an E&O policy. ⁹Not publicly disclosed. Errors and omissions product page as read on 2026-09-23.
Who It’s For	Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. ⁶Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.	TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. ⁹Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.
Coverage Features	Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. ⁶Company-reported. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line. Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. ⁶Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.	TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. ⁹Company-reported. Errors and omissions product page; general policy description, not a specific policy form. TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. ⁹Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.
Limits and Retentions	The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the E&O product page on 2026-09-23.	TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. ⁹Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
How to Apply	Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. ⁶Company-reported. Product page "Get Covered Now" section.	Not described in the reviewed sources.
Claims Support	Not described in the reviewed sources.	TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. ⁹Company-reported. Errors and omissions product page, How does E&O insurance coverage work? section.

Full Comparison

More Gallagher vs TechInsurance Comparisons

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Sources

Gallagher

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.
Insurance for Technology & IT Businesses. 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.
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.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Errors and Omissions Insurance. Gallagher Small Business; What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now. Accessed 2026-09-23.

TechInsurance

About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
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.
Errors & Omissions (E&O) Insurance. TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). Accessed 2026-09-23.

Professional Liability (E&O) Insurance Guide

FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.