Gallagher vs 
Travelers Professional Liability (E&O) Insurance
Travelers underwrites E&O itself and offers separate products by profession; Gallagher arranges the coverage with partner carriers instead.
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 Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 7,8,9
What Is Professional Errors and Omissions (E&O) Insurance?
Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. 12,13,14,15
Key Differences in Professional Liability (E&O) Insurance
Underwriter Versus Broker
Travelers underwrites E&O as one of several management and professional liability products it sells directly, written for the buyer's profession. 10 Gallagher instead arranges E&O with partner carriers rather than underwriting the policy itself. 6
Products Split by Profession
Travelers offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals, financial institutions and a miscellaneous option for other client-facing professionals:
Travelers offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals, life/accident/health insurance agents, managed care organizations, financial institutions and a miscellaneous professional liability option for other client-facing professionals. 10Company-reported. Product-selection list on the E&O page.
Gallagher instead lists one Errors and Omissions product covering technology, insurance, accounting, tax, wealth management and legal services, without splitting into separately named products by profession. 6
Insurer Disclosure
Travelers' E&O page footer names Travelers Casualty and Surety Company of America and its property-casualty affiliates, though Travelers also states the material does not amend any issued policy, so the exact issuing entity depends on the policy. 10 Gallagher's page does not name an insurer at all for the E&O it arranges. 6
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask Travelers which of its named professions and affiliated entities would issue your specific E&O policy. 10
- Ask Gallagher which partner carrier its process would ultimately place your policy with. 6
- Neither reviewed page publishes limit or retention amounts for professional liability; request both directly. 10 6
- Ask Travelers which named product applies to your profession, and ask Gallagher whether its single E&O line covers the same scope for that profession. 10 6
Offering Details
Gallagher vs Travelers Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Gallagher Small Business Errors and Omissions Insurance | Travelers Errors and Omissions Insurance |
|---|---|---|
| Role in This Line | Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. 6Company-reported. Gallagher Small Business's direct-to-small-business E&O product page. | Travelers underwrites errors and omissions insurance as one of several management and professional liability products, sold as a standalone policy written for the buyer's profession rather than bundled with other lines by default. 10,11Company-reported. E&O and management-liability product pages, as read on 2026-09-23. |
| Issuing Insurer | The E&O product page does not name the insurer that would issue a given business's policy. 6Not publicly disclosed. Checked the E&O product page on 2026-09-23. | The E&O page's footer names Travelers Casualty and Surety Company of America and its property-casualty affiliates, but Travelers also states the material does not amend any issued policy, so the exact issuing entity for a given E&O product depends on the policy. 10Company-reported. Footer disclosure on the errors-and-omissions page. |
| 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. 6Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting. | Travelers offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals, life/accident/health insurance agents, managed care organizations, financial institutions and a miscellaneous professional liability option for other client-facing professionals. 10Company-reported. Product-selection list on the E&O page. |
| 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. 6Company-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. 6Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business. | Travelers describes E&O as covering the costs of client allegations of inadequate work, negligent actions or failure to meet the expected level of service, including legal defense and settlement costs, and says coverage can be customized to the risks of a specific profession. 10Company-reported. E&O overview and video transcript; exclusions and limits are not detailed on this page and depend on the policy as issued. |
| Limits and Retentions | The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. 6Not publicly disclosed. Checked the E&O product page on 2026-09-23. | The reviewed E&O page does not publish limit or retention amounts for any of its professional-liability products. 10Not publicly disclosed. Errors-and-omissions page as read on 2026-09-23. |
| How to Apply | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. 6Company-reported. Product page "Get Covered Now" section. | Travelers directs buyers to talk to an independent agent to place E&O coverage, and tells agents to use its management-and-professional-liability applications and forms library. 10,11Company-reported. E&O page CTA and video transcript. |
Full Comparison
More Gallagher vs Travelers Comparisons
Other Professional Liability (E&O) 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.
- Errors and Omissions Insurance. 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.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Errors and Omissions Insurance (E&O). Travelers; What Is Errors and Omissions Coverage (E&O)?; Who needs errors and omissions insurance?; Select a product; Travelers Casualty and Surety Company of America and its property casualty affiliates footer. Accessed 2026-09-23.
- Management and Professional Liability Insurance. Travelers; Errors & omissions (E&O) insurance description; Applications and forms for agents: management and professional liability applications. Accessed 2026-09-23.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
