Gallagher vs TechInsurance Tech E&O Insurance

Gallagher brokers combined Tech E&O/cyber placements; TechInsurance sells a two-policy E&O and cyber bundle with IP as an add-on and a $67 median premium.

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. ^6,⁷

Read the TechInsurance profile

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

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^9,^10,¹¹

Read the full coverage guide

Key Differences in Tech E&O Insurance

Brokered Combined Policy Versus a Two-Policy Bundle

Gallagher places technology E&O with outside carriers and describes a single policy combining professional E&O with cyber liability. TechInsurance sells technology E&O as a bundle of two policies—errors and omissions insurance and cyber liability insurance—built for IT and technology companies. Both pair professional and cyber risk; Gallagher is placing a carrier’s combined form, while TechInsurance is selling a two-policy bundle under its brand. Neither reviewed page names the issuing insurer. ¹ ⁸

Intellectual Property

TechInsurance says the standard bundle does not automatically include intellectual-property or copyright disputes. Gallagher’s reviewed sources do not address intellectual-property treatment for this line. ⁸ ¹

How Each Describes Cyber Inside the Package

TechInsurance splits the cyber half of the bundle into first-party coverage for the buyer’s own systems and third-party coverage for a client’s systems the buyer worked on. Gallagher names cyber perils such as data breaches, ransomware, and privacy violations without that first-party and third-party split. ⁸ ¹

Premium and Limit Disclosure

TechInsurance publishes a company-reported median of $67 per month (about $807 a year). Gallagher’s reviewed sources do not publish Tech E&O premium or limit figures. ⁸ ¹

What to Confirm in Tech E&O Insurance Quotes

Ask TechInsurance whether IP is endorsed and how the two policies share limits. ⁸
Ask Gallagher which carrier form it is placing and whether IP is included. ¹
Do not treat the $67 median as your premium; compare actual quotes, including Gallagher’s unpublished pricing. ⁸ ¹
Confirm whether Gallagher’s digital suite is part of the Tech E&O engagement. ¹

Offering Details

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
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. ⁸Company-reported. Tech E&O product page.
Issuing Insurer	The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. ¹Not publicly disclosed. Checked the group-level technology industry practice page.	The reviewed page does not name the issuing insurer for a tech E&O policy. ⁸Not publicly disclosed. Tech E&O product page as read on 2026-09-23.
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. ⁸Company-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). ⁸Company-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. ⁸Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.
Limits and Retentions	The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. ¹Not publicly disclosed. Checked the group-level technology industry practice page.	TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. ⁸Company-reported. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
Risk Services	Gallagher offers technology clients a digital suite including Gallagher Drive for data-driven risk analytics, Gallagher Go as a client self-service portal, Gallagher STEP for online safety training, Gallagher Submit for insurance-submission tracking, and Gallagher Verify for certificate management. ¹Company-reported. Group-level technology industry practice page; not confirmed as included with every tech E&O placement. Gallagher says its Technology insurance practice includes more than 250 dedicated professionals and points to named team leaders reachable at Rolling Meadows, Illinois phone numbers. ¹Company-reported. Group-level technology industry practice page.	Not described in the reviewed sources.

Full Comparison

More Gallagher vs TechInsurance Comparisons

Other Tech E&O Insurance Comparisons

Sources

Gallagher

Technology Insurance for the Tech Industry. Gallagher; Solutions and coverages for the technology industry: Technology errors and omissions, including cyber liability; 250+ dedicated professionals, 7,500+ technology and telecommunications clients, $1B+ in annual premium; digital suite (Gallagher Drive, Go, STEP, Submit, Verify); Meet the Technology Insurance leaders. Accessed 2026-09-23.
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.

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.
Technology Errors and Omissions - Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. Accessed 2026-09-23.

Tech E&O Insurance Guide

Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.