Gallagher vs TechInsurance: How Do They Compare for Umbrella and Excess Liability Insurance?

Gallagher places it with outside carriers as one casualty line; TechInsurance arranges umbrella only as an add-on, at a median $86 per month per $1 million.

TechInsurance adds umbrella to your existing general liability, employer's liability or auto policies in $1 million steps, at a reported median of $86 a month per million. Gallagher designs custom excess programs, including alternative risk structures, and adds gap analysis, contract review and claims advocacy. ^2,¹

What Are the Key Differences Between Gallagher and TechInsurance Umbrella and Excess Liability Insurance?

Simple Add-On Versus a Designed Program

A storefront business whose lease demands more than $2 million in liability is TechInsurance's target buyer. It adds limits over your existing general liability, employer's liability or auto in $1 million steps, can't be bought on its own, and excludes property damage and intentional crimes such as employee theft. Gallagher's casualty practice builds umbrella into a wider program with auto, workers' comp and general or product liability, and can use alternative risk structures. Neither underwrites the policy. Choose TechInsurance if you just need a limit bump at a known price; choose Gallagher if your casualty costs are large enough to be worth engineering. ¹ ²

Price Transparency Versus Ongoing Service

TechInsurance gives you a budget figure: a median of $86 a month per extra million. It also offers excess, which boosts a single policy such as E&O, as a separate option. Gallagher publishes no prices, limits or target sizes, but provides pre-renewal meetings, gap analysis, contract and form review, and a claims and loss-control advocacy team. TechInsurance's umbrella page offers none of those services. ² ¹

What Should You Confirm in Gallagher and TechInsurance Umbrella and Excess Liability Insurance Quotes?

Ask Gallagher which insurer issues the layer and whether it's a traditional excess policy or an alternative risk program. ¹
Ask TechInsurance whether you need an umbrella over several policies or excess over just one. ²
Ask Gallagher whether property damage and crime-type losses are excluded, as TechInsurance's are. ² ¹
Get a written price per extra million from TechInsurance and a program limit and price from Gallagher. ² ¹

Gallagher vs TechInsurance Umbrella and Excess Liability Compared

Gallagher vs TechInsurance: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Gallagher Umbrella/Excess Liability Insurance	TechInsurance Commercial Umbrella Insurance
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. ¹Company-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. ²Company-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). ²Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.
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. ¹Company-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. ²Company-reported. Umbrella insurance product page.

Criteria

Gallagher Umbrella/Excess Liability Insurance

TechInsurance Commercial Umbrella Insurance

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. ¹Company-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. ²Company-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). ²Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.

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. ¹Company-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. ²Company-reported. Umbrella insurance product page.