Gallagher vs 
TechInsurance Umbrella and Excess Liability Insurance
Gallagher places custom excess casualty with outside carriers; TechInsurance sells a $1 million-increment add-on over existing liability policies.
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
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
What Is Umbrella and Excess Liability Insurance?
Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. 10,11
Key Differences in Umbrella and Excess Liability Insurance
Who Places the Layer and How It Is Sold
Gallagher’s casualty practice places umbrella and excess with outside carriers as part of a broader casualty program and does not underwrite the policy. TechInsurance arranges commercial umbrella as an add-on that raises limits on existing general liability, employer’s liability or commercial auto policies and is not sold as a standalone policy. 6 9
Program Design Versus a Fixed Increment
Gallagher groups umbrella with automobile, workers’ compensation and general or product liability and describes customized excess casualty design and alternative risk programs, without naming attachment points. TechInsurance says the layer boosts those same liability lines in $1 million increments once the underlying limit is exhausted, and it does not cover property damage or intentional criminal acts such as employee theft. 6 9
TechInsurance also separates umbrella (over several underlying policies) from excess (usually one policy, often E&O or general liability). Gallagher’s reviewed page does not draw that product split. 9 6
Price, Size and Services
TechInsurance publishes a median of $86 per month for each $1 million of additional coverage and points the product at businesses that must carry more than $2 million of liability or that face high liability risk, such as a storefront. Gallagher’s casualty page does not publish limits, attachment points or premiums and does not name a target industry or size for umbrella placements. 9 6
Gallagher describes pre-renewal meetings, gap analysis, contract and form review, and a claims and loss-control advocacy group. TechInsurance’s reviewed umbrella page does not describe comparable casualty advocacy services. 6 9
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask Gallagher which carrier would issue the layer and whether the structure is traditional excess or an alternative risk program. 6
- Ask TechInsurance which underlying policies the umbrella sits over and whether you need excess instead of umbrella. 9
- Compare attachment points and whether property or crime-type losses are excluded; TechInsurance lists those exclusions, and Gallagher’s page does not. 9 6
- Get a written premium for each additional million from TechInsurance and a program-specific limit and price from Gallagher. 9 6
Offering Details
Gallagher vs TechInsurance Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Gallagher Umbrella/Excess Liability Insurance | TechInsurance Commercial Umbrella Insurance |
|---|---|---|
| Role in This Line | Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. 6Company-reported. Group-level casualty practice page. | TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. 9Company-reported. Umbrella insurance product page. |
| Issuing Insurer | The casualty practice page does not name the insurer that would issue a given client's umbrella or excess policy. 6Not publicly disclosed. Checked the group-level casualty practice page. | The reviewed page does not name the issuing insurer for an umbrella policy. 9Not publicly disclosed. Umbrella insurance product page as read on 2026-09-23. |
| Who It’s For | The casualty practice page does not name a target industry, size or minimum premium for umbrella/excess placements; it describes the practice generally as serving clients with a broader casualty program. 6Not publicly disclosed. Checked the group-level casualty practice page on 2026-09-23. | TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. 9Company-reported. Umbrella insurance product page. |
| Coverage Features | Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. 6Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement. | TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. 9Company-reported. Umbrella insurance product page; general policy description, not a specific policy form. TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). 9Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section. |
| Limits and Retentions | The casualty practice page does not publish specific umbrella/excess limits, attachment points or premium ranges; it says program structure, coverage, limits and pricing are designed to fit the client's current and future needs. 6Not publicly disclosed. Checked the group-level casualty practice page. | TechInsurance says commercial umbrella coverage costs a median of $86 per month for each $1 million of additional coverage, with the exact premium depending on business size, location, industry risk, claims history, employee count and number of company vehicles. 9Company-reported. Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| Risk Services | Gallagher describes pre-renewal meetings with a client's finance, HR, operations and risk-management stakeholders, a gap analysis and contract/form review to close coverage gaps between policies, and a dedicated claims and loss-control advocacy group that reviews legacy loss information to build claim-mitigation and loss-prevention programs. 6Company-reported. Group-level casualty practice page; described at the practice level across all casualty lines, not exclusively for umbrella/excess. | Not described in the reviewed sources. |
Full Comparison
More Gallagher vs TechInsurance Comparisons
Other Umbrella and Excess Liability Insurance Comparisons
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.
- Casualty Insurance. Gallagher; Holistic approach for better insurance and risk management in casualty: Automobile Liability, Workers Compensation, General/Product Liability, Umbrella/Excess Liability and alternative forms of risk transfer; Robust casualty risk analysis process; Casualty Practice Summary. 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.
- Commercial Umbrella Liability Insurance. TechInsurance; What does commercial umbrella insurance cover?; How much does umbrella insurance cost?; How does business umbrella insurance work for small businesses?; How is umbrella liability insurance different from excess liability insurance? Accessed 2026-09-23.
Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
