Gallagher vs TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance?

TechInsurance reports a median of $88 a month and names IT, SaaS, cybersecurity, real estate and tax firms among its buyers; Gallagher Small Business offers an advisor phone line and callbacks for small professional-service firms.

TechInsurance says its E&O policyholders pay a median of $88 a month and describes contacting the carrier directly if a client threatens to sue, while Gallagher's E&O page publishes no cost figure and instead discusses market-rate trends. ^2,¹

What Are the Key Differences Between Gallagher and TechInsurance Professional Liability (E&O) Insurance?

Published Cost

TechInsurance publishes a book-of-business median that Gallagher does not match with a public figure:

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. ²Company-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. ¹

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. ² 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. ¹

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. ² 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. ¹

What Should You Confirm in Gallagher and TechInsurance 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. ²
Ask Gallagher for a specific premium range for your profession, since its page describes market trends rather than pricing. ¹
Neither TechInsurance's nor Gallagher's reviewed pages name an issuing insurer; ask both directly. ² ¹
Ask TechInsurance whether a retroactive date is already set for your policy, and ask Gallagher whether the policy it arranges uses one. ²

Gallagher vs TechInsurance Professional Liability (E&O) Compared

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
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. ¹Company-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. ²Company-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. ¹Company-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. ¹Company-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. ²Company-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. ²Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.
Role in This Line	Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ¹Company-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. ²Company-reported. Errors and omissions product page.

Criteria

Gallagher Small Business Errors and Omissions Insurance

TechInsurance Errors and Omissions Insurance

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. ¹Company-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. ²Company-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. ¹Company-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. ¹Company-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. ²Company-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. ²Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.

Role in This Line

Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ¹Company-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. ²Company-reported. Errors and omissions product page.