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

Travelers is the underwriter, with separate E&O products for accountants, design professionals, real estate and others, placed through an independent agent. Gallagher Small Business arranges coverage with partner carriers and takes online quote requests.

Travelers underwrites E&O directly and offers separate products by profession, from accountants to financial institutions, while Gallagher arranges the same line with partner carriers it does not name on its page. ^2,¹

What Are the Key Differences Between Gallagher and Travelers 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. ² Gallagher instead arranges E&O with partner carriers rather than underwriting the policy itself. ¹

When comparing Gallagher and Travelers, decide whether you want direct access to an insurer or a broker who can help structure and shop the placement.

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. ²Company-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. ¹

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. ² Gallagher's page does not name an insurer at all for the E&O it arranges. ¹

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

Ask Travelers which of its named professions and affiliated entities would issue your specific E&O policy. ²
Ask Gallagher which partner carrier its process would ultimately place your policy with. ¹
Neither reviewed page publishes limit or retention amounts for professional liability; request both directly. ² ¹
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. ² ¹

Gallagher vs Travelers Professional Liability (E&O) Insurance Compared

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
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.	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. ²Company-reported. Product-selection list on the E&O page.
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. ¹Company-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. ^2,³Company-reported. E&O page CTA and video transcript.
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.	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. ²Company-reported. E&O overview and video transcript; exclusions and limits are not detailed on this page and depend on the policy as issued.
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.	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. ^2,³Company-reported. E&O and management-liability product pages, as read on 2026-09-23.