--- title: "Gallagher vs TechInsurance: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/gallagher-vs-techinsurance/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "gallagher-vs-techinsurance" provider-a: "gallagher" provider-b: "techinsurance" coverage-line: "technology-errors-omissions" --- 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/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Gallagher and TechInsurance for Tech E&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 Tech E&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 Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Gallagher or TechInsurance? - What does Gallagher or TechInsurance publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&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 - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — 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 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 firms a two-policy E&O and cyber bundle with a $67 monthly median, but IP disputes need an add-on; Gallagher is a broker that places one combined E&O-and-cyber policy with no published prices or limits. ## Gallagher vs TechInsurance Tech E&O Insurance Summary 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [2](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") ### 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ### 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ## 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") - Ask Gallagher which insurer's form it's placing and whether IP is included. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") - Treat the $67 median as a benchmark, not your price; compare real quotes. [2](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") - Ask Gallagher whether its digital tools come with the Tech E&O placement. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") ## Gallagher vs TechInsurance Tech E&O Insurance Compared | 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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). [2](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page..) | ## About Gallagher and TechInsurance and Tech E&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 Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Gallagher vs TechInsurance Tech E&O Insurance - [Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Gallagher Tech E&O Insurance](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions) - [TechInsurance Tech E&O Insurance](https://spot.insure/insurance-providers/techinsurance/technology-errors-omissions) ## Sources for Gallagher vs TechInsurance Tech E&O Insurance ### Sources About Gallagher 1. [Technology Insurance for the Tech Industry](https://www.ajg.com/industries/technology-insurance/). 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. ### Sources About TechInsurance 2. [Technology Errors and Omissions - Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). 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. 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/technology-errors-omissions.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)