---
title: "Gallagher vs The Hartford: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/gallagher-vs-the-hartford/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-the-hartford"
provider-a: "gallagher"
provider-b: "the-hartford"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-the-hartford/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Gallagher and The Hartford for Professional Liability (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 Professional Liability (E&O) Insurance questions about Gallagher versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Gallagher vs The Hartford for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Gallagher or The Hartford?
- What does Gallagher or The Hartford publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Gallagher and The Hartford.
- 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 The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 premiums for five named professional liability products; Gallagher's page names none.

## Gallagher vs The Hartford Professional Liability (E&O) Insurance Summary

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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

## 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. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

### 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") 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](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

### 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") Gallagher instead names technology, insurance, accounting, tax, wealth management and legal services, plus doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

## 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Ask Gallagher for a specific premium quote, since its page describes market conditions rather than a price. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")
- Ask The Hartford whether your policy would be written claims-made or occurrence, and what an extended reporting period would cost. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Neither reviewed page publishes standard coverage limits or retentions; request both directly. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

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

| 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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..)<br><br>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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |

## About Gallagher and The Hartford and Professional Liability (E&O)

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Gallagher vs The Hartford

- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Gallagher Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/gallagher/professional-errors-omissions)
- [The Hartford Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions)

## Sources for Gallagher vs The Hartford

### Sources About Gallagher

1. [Errors and Omissions Insurance](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/). Gallagher Small Business; What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now. Accessed 2026-09-23.

### Sources About The Hartford

2. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). 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.

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