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

TechInsurance sells its E&O and cyber bundle at a published median of $67 a month for IT firms. Gallagher is a broker placing a combined policy with outside carriers, backed by a 250-plus person practice.

TechInsurance sells IT and tech companies an E&O policy plus a cyber policy, reporting a $67 monthly median premium, though IP and copyright disputes usually need an add-on. Gallagher is a broker that places a single combined E&O-and-cyber policy with outside insurers and publishes no prices or limits. ^2,¹

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

Two-Policy Bundle With a Price Benchmark vs a Broker-Placed Combined Policy

TechInsurance sells tech E&O as a bundle of two policies, errors and omissions plus cyber liability, built for IT and technology companies, and reports a median of $67 a month (about $807 a year) from its own book. Gallagher places one policy combining professional E&O with cyber liability from outside insurers, and publishes no prices or limits. Neither names the insurer. Choose TechInsurance if you're a small IT firm that wants a price benchmark before you quote; choose Gallagher if you want a broker to shop a single combined form for you. ¹ ²

Intellectual Property

TechInsurance says its standard bundle doesn't automatically include IP or copyright disputes, so you'd need to add them. Gallagher doesn't say how it treats IP. ² ¹

How Each Describes Cyber

TechInsurance splits the cyber policy into first-party cover for your own systems and third-party cover for client systems you worked on. Gallagher names cyber perils like data breaches, ransomware and privacy violations without that split. ² ¹

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

Ask TechInsurance whether IP is added and how the two policies' limits work together. ²
Ask Gallagher which insurer's form it's placing and whether IP is included. ¹
Treat the $67 median as a benchmark, not your price; compare real quotes. ² ¹
Ask Gallagher whether its digital tools come with the Tech E&O placement. ¹

Gallagher vs TechInsurance Tech E&O Insurance Compared

Gallagher vs TechInsurance: Tech E&O Insurance: documented features by provider

Criteria	Gallagher Technology Errors and Omissions (Tech E&O) Insurance	TechInsurance Technology Errors and Omissions (Tech E&O) Insurance
Who It’s For	Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. ¹Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.	TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ²Company-reported. Tech E&O product page, Technology professionals we insure section.
Coverage Features	Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. ¹Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.	TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ²Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ²Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.
Role in This Line	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ¹Company-reported. Group-level technology industry practice page.	TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ²Company-reported. Tech E&O product page.

Criteria

Gallagher Technology Errors and Omissions (Tech E&O) Insurance

TechInsurance Technology Errors and Omissions (Tech E&O) Insurance

Who It’s For

Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. ¹Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.

TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ²Company-reported. Tech E&O product page, Technology professionals we insure section.

Coverage Features

Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. ¹Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.

TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ²Company-reported. Tech E&O product page; general policy description, not a specific policy form.

TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ²Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.

Role in This Line

Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ¹Company-reported. Group-level technology industry practice page.

TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ²Company-reported. Tech E&O product page.