Gallagher vs The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?

The Hartford lists average minimum monthly premiums, such as $62 for miscellaneous professional liability. Gallagher Small Business arranges E&O through partner carriers and offers an advisor line.

The Hartford publishes average minimum monthly premiums for five named professional liability products, ranging from $38 to $239, while Gallagher's Errors and Omissions page publishes no pricing and instead describes market-rate trends. ^2,¹

What Are the Key Differences Between Gallagher and The Hartford Professional Liability (E&O) Insurance?

Published Pricing

The Hartford publishes product-level minimum-premium averages; Gallagher offers only market commentary:

The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. ²Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.

Gallagher's page does not publish comparable pricing; it instead says the E&O market has seen rate increases that have started to moderate, driven by higher claim frequency and litigation costs. ¹

Policy Trigger and Reporting Period

The Hartford says many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period, typically 30 to 60 days and extendable to a year or more, though some are written on an occurrence basis. ² Gallagher's page does not state whether the policies it arranges are claims-made or occurrence; it names covered scenarios such as negligence, personal injury and copyright infringement instead. ¹

Who Each Page Names as a Fit

The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, naming accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. ² Gallagher instead names technology, insurance, accounting, tax, wealth management and legal services, plus doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers. ¹

What Should You Confirm in Gallagher and The Hartford Professional Liability (E&O) Insurance Quotes?

The Hartford's published averages span $38 to $239 across five products; confirm which one and which figure applies to your profession. ²
Ask Gallagher for a specific premium quote, since its page describes market conditions rather than a price. ¹
Ask The Hartford whether your policy would be written claims-made or occurrence, and what an extended reporting period would cost. ²
Neither reviewed page publishes standard coverage limits or retentions; request both directly. ² ¹

Gallagher vs The Hartford Professional Liability (E&O) Compared

Gallagher vs The Hartford: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Gallagher Small Business Errors and Omissions Insurance	The Hartford Professional Liability Insurance (Errors & Omissions)
Who It’s For	Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. ¹Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.	The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. ²Company-reported. Professional liability product page as read 2026-09-23.
Coverage Features	Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. ¹Company-reported. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line. Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. ¹Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.	The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. ²Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.
Role in This Line	Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ¹Company-reported. Gallagher Small Business's direct-to-small-business E&O product page.	The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. ²Company-reported. Professional liability product page as read 2026-09-23.

Criteria

Gallagher Small Business Errors and Omissions Insurance

The Hartford Professional Liability Insurance (Errors & Omissions)

Who It’s For

Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. ¹Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.

The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. ²Company-reported. Professional liability product page as read 2026-09-23.

Coverage Features

Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. ¹Company-reported. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line.

Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. ¹Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.

The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. ²Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.

Role in This Line

Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ¹Company-reported. Gallagher Small Business's direct-to-small-business E&O product page.

The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. ²Company-reported. Professional liability product page as read 2026-09-23.