Gallagher vs 
Travelers: How Do They Compare for Tech E&O Insurance?
Buy from the carrier or through a broker: Travelers underwrites tech E&O inside its CyberRisk Tech policy and points buyers to an agent, while Gallagher places coverage with outside carriers and does not underwrite.
Gallagher is a broker whose technology practice places E&O and cyber together on one policy with outside insurers, for startups through global enterprises; Travelers writes CyberRisk Tech itself for tech and life-sciences companies and lets you buy the E&O part alone or with cyber. 1,3,2
What Are the Key Differences Between Gallagher and Travelers Tech E&O Insurance?
Broker’s Combined Policy vs Insurer’s Pick-and-Choose Form
Gallagher’s technology practice places technology E&O with outside insurers as one policy that also covers cyber liability for breaches, ransomware and privacy violations; it names no insurer. Travelers underwrites CyberRisk Tech and lets you choose E&O, cyber or both, treating breach response, cybercrime and business-loss cover as separate from the E&O part. Choose Gallagher if you want a broker to shop a combined E&O and cyber program; choose Travelers if you are a tech or life-sciences company that already has cyber and wants E&O alone from a known insurer. 1 2 3
Tech and Telecom vs Tech and Life Sciences
Gallagher serves technology and telecommunications clients from startups to global enterprises. Travelers targets technology and life-sciences companies, from startups to established leaders whose software or services could draw a client claim. A biotech or medtech software firm fits Travelers’ stated audience. 1 2
Client Portal vs Services Tied to Cyber
Gallagher gives technology clients analytics, a self-service portal, training, submission tracking and certificate management. Travelers’ Cyber Risk Services, including a 24/7 dashboard and threat monitoring, come with its cyber cover; if you buy E&O alone, don’t assume you get them. You reach Travelers through an independent agent or Travelers representative. 1 3
What Should You Confirm in Gallagher and Travelers Tech E&O Insurance Quotes?
- Ask Gallagher whether your placement is the combined E&O and cyber form, and Travelers which CyberRisk Tech parts you are quoted. 1 3
- Ask Gallagher which insurer issues your policy. 1 2
- Get limits, retentions and how defense costs apply from both; neither publishes them. 1 2 3
- Ask Travelers whether any risk services apply if you buy E&O without cyber. 1 3
Gallagher vs Travelers Tech E&O Insurance Compared
Gallagher vs Travelers: Tech E&O Insurance: documented features by provider
| Criteria | Gallagher Technology Errors and Omissions (Tech E&O) Insurance | Travelers CyberRisk Tech Technology Errors and Omissions Coverage |
|---|---|---|
| Who It’s For | Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. 1Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified. | Travelers markets CyberRisk Tech technology E&O to technology and life-sciences companies, describing the audience as ranging from startups to established industry leaders whose software products or technology services could be the subject of a client claim. 2,3Company-reported. Technology-page FAQ and the cyber-for-technology product page. |
| Coverage Features | Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. 1Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions. | Travelers says the technology E&O insuring agreement helps cover the costs a company incurs from allegations of errors, omissions or negligent acts in performing its services, giving as an example a customer claiming lost revenue from an error in a software product or technology service. 2Company-reported. Technology-page FAQ answer on technology E&O; exclusions, retentions and defense-cost treatment are not detailed on this page. Travelers distinguishes technology E&O from the rest of CyberRisk Tech, which separately includes breach response, cybercrime and business-loss coverages; a buyer can select E&O coverage without also buying the cyber-specific insuring agreements. 3Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state. |
| Role in This Line | Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. 1Company-reported. Group-level technology industry practice page. | Travelers underwrites technology E&O as one of the selectable insuring agreements inside its CyberRisk Tech policy, not as a separate standalone policy form; a buyer chooses E&O protection, cyber protection, or both within the same product. 2,3Company-reported. Technology and CyberRisk Tech product pages, as read on 2026-09-23. |
| Risk Services | Gallagher offers technology clients a digital suite including Gallagher Drive for data-driven risk analytics, Gallagher Go as a client self-service portal, Gallagher STEP for online safety training, Gallagher Submit for insurance-submission tracking, and Gallagher Verify for certificate management. 1Company-reported. Group-level technology industry practice page; not confirmed as included with every tech E&O placement. Gallagher says its Technology insurance practice includes more than 250 dedicated professionals and points to named team leaders reachable at Rolling Meadows, Illinois phone numbers. 1Company-reported. Group-level technology industry practice page. | Travelers says CyberRisk Tech policyholders with cyber coverage get access to Cyber Risk Services, including a 24/7 Cyber Risk Dashboard and threat monitoring, but the cyber-for-technology page states availability of these services depends on policy eligibility and lists them under cyber coverage rather than as a benefit tied specifically to the technology E&O agreement. 3Company-reported. Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit. |
