Gallagher vs Travelers Tech E&O Insurance

Gallagher brokers a combined tech E&O and cyber placement; Travelers underwrites E&O as a selectable agreement inside CyberRisk Tech.

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

Read the Gallagher profile

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. ^6,^7,⁸

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What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^10,^11,¹²

Read the full coverage guide

Key Differences in Tech E&O Insurance

Carrier Versus Broker Placement

Gallagher does not issue the policy; its Technology practice places technology E&O with outside insurers. Travelers underwrites the coverage as part of CyberRisk Tech. Gallagher’s reviewed page does not name the issuing insurer; on a Travelers quote the issuer is Travelers, subject to state and underwriting. ¹ ⁶ ⁹

Combined Form Versus Selectable Agreements

Gallagher describes technology E&O as a single policy that includes cyber liability for breaches, ransomware and privacy violations. Travelers lets you choose E&O protection, cyber protection, or both inside CyberRisk Tech, and it treats breach response, cybercrime and business-loss coverages as separate from the E&O agreement. ¹ ⁹

Audience and Life Sciences

Gallagher’s practice is framed around technology and telecommunications clients from startups to global enterprises. Travelers markets CyberRisk Tech technology E&O to technology and life-sciences companies, from startups to established industry leaders whose software or services could draw a client claim. ¹ ⁶ ⁹

Services Tied to Cyber, Not Always to E&O

Gallagher lists a digital suite for technology clients—analytics, a self-service portal, safety training, submission tracking and certificate management—without tying those tools only to cyber. Travelers says Cyber Risk Services such as a 24/7 dashboard and threat monitoring are available to CyberRisk Tech policyholders with cyber coverage, and its reviewed page does not confirm those services as a benefit of the E&O agreement alone. ¹ ⁹

What to Confirm in Tech E&O Insurance Quotes

Ask Gallagher whether the marketed combined E&O-and-cyber policy is how your placement will be structured, and ask Travelers which CyberRisk Tech agreements are selected. ¹ ⁹
Get the issuing insurer on the Gallagher quote; Travelers’ reviewed pages still require you to confirm the legal entity on the declarations. ¹ ⁶
Neither Gallagher nor Travelers publishes technology E&O limit or retention amounts on the reviewed pages; obtain both numbers and how defense costs apply. ¹ ⁶ ⁹
If you want monitoring tools, confirm Gallagher’s suite is included on this placement and whether Travelers’ Cyber Risk Services apply if you buy E&O without cyber. ¹ ⁹

Offering Details

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
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. ^6,⁹Company-reported. Technology and CyberRisk Tech product pages, as read on 2026-09-23.
Issuing Insurer	The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. ¹Not publicly disclosed. Checked the group-level technology industry practice page.	Not described in the reviewed sources.
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. ^6,⁹Company-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. ⁶Company-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. ⁹Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state.
Limits and Retentions	The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. ¹Not publicly disclosed. Checked the group-level technology industry practice page.	The reviewed pages do not publish limit or retention amounts for the technology E&O insuring agreement specifically. ^6,⁹Not publicly disclosed. Technology and cyber-for-technology 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. ⁹Company-reported. Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit.
How to Apply	Not described in the reviewed sources.	Travelers tells technology buyers to consult their insurance agent or a Travelers representative about CyberRisk Tech coverage; the reviewed pages do not describe a self-service quote path for technology E&O. ⁹Company-reported. Cyber-for-technology page CTA.

Full Comparison

More Gallagher vs Travelers Comparisons

Other Tech E&O Insurance Comparisons

Sources

Gallagher

Technology Insurance for the Tech Industry. Gallagher; Solutions and coverages for the technology industry: Technology errors and omissions, including cyber liability; 250+ dedicated professionals, 7,500+ technology and telecommunications clients, $1B+ in annual premium; digital suite (Gallagher Drive, Go, STEP, Submit, Verify); Meet the Technology Insurance leaders. Accessed 2026-09-23.
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.

Travelers

Technology Insurance. Travelers; Who needs technology errors and omissions (E&O) insurance?; Cyber insurance: Travelers CyberRisk Tech insurance safeguards technology businesses from errors and omissions claims and cybersecurity threats. Accessed 2026-09-23.
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.
Cyber Insurance for Technology and Life Sciences. Travelers; What does cyber insurance coverage for technology companies include?; CyberRisk Tech offers broad and scalable protection options – businesses can choose cyber protection, E&O protection or both. Accessed 2026-09-23.

Tech E&O Insurance Guide

Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.