Gallagher vs Vouch: How Do They Compare for Tech E&O Insurance?

Vouch offers an online Get Started application for tech firms from first customer contract through IPO. Gallagher is a broker with a 250-plus person tech practice and reports over $1 billion in annual premium placed.

Gallagher places Tech E&O and cyber together in one policy, backed by 250-plus dedicated tech staff and more than 7,500 clients; Vouch lets AI, SaaS, fintech, hardware and crypto startups apply online, but says Tech E&O typically excludes cyber incidents on your own systems. ^1,^2,³

What Are the Key Differences Between Gallagher and Vouch Tech E&O Insurance?

Combined E&O and Cyber vs Online Startup Intake

Both are brokers. Gallagher's Technology practice places technology E&O as one policy that also covers cyber perils such as breaches, ransomware and privacy violations, and cites more than 7,500 tech and telecom clients from startup to global, with over 250 dedicated staff and client tools such as Drive and Verify. Vouch lists Tech E&O among core coverages for AI, SaaS, eCommerce, fintech, hardware and crypto companies, from first customer contract through IPO, and starts you in an online application. Choose Gallagher if you want E&O and cyber in one placement with a large dedicated team; choose Vouch if you are a venture-backed startup that wants to apply online. ¹ ²

Your Own Cyber Incidents: Included vs Typically Excluded

Vouch's article says Tech E&O usually covers service failures, negligence, missed deliverables, breach of contract or warranty, accidental IP infringement and third-party data-breach liability from a product flaw, but excludes cyber incidents on your own systems, bodily injury, property damage, intentional or criminal acts and employment claims. So with Vouch, plan to buy cyber separately. Gallagher builds cyber into the same policy but publishes no detailed inclusion or exclusion list. ³ ¹

What Should You Confirm in Gallagher and Vouch Tech E&O Insurance Quotes?

Ask both which insurer would issue the policy and whether cyber sits on the same form. ¹ ²
Check how accidental IP infringement and your own cyber incidents are treated on each form. ³ ¹
Get limits and retentions from both; neither publishes them. ¹ ³
Ask Gallagher which client tools come with your placement. ¹

Gallagher vs Vouch Tech E&O Insurance Compared

Gallagher vs Vouch: Tech E&O Insurance: documented features by provider

Criteria	Gallagher Technology Errors and Omissions (Tech E&O) Insurance	Vouch Technology Errors & Omissions Insurance
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.	Vouch markets tech E&O to technology companies across AI, SaaS, eCommerce, fintech, hardware and crypto, saying it works with clients from their first customer contract through IPO. ²Company-reported. Vouch's Technology practice page; not an underwriting appetite guarantee for any specific applicant.
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.	Vouch's educational article says tech E&O covers claims arising from service errors or failures, professional negligence, missed deliverables or deadlines, breach of contract or warranty, accidental intellectual-property infringement, and third-party data-breach liability tied to a vulnerability in the company's product, plus legal defense, settlements and judgments. It excludes bodily injury or property damage (covered by general liability), intentional wrongdoing, criminal acts, employment claims and cyber incidents affecting the policyholder's own systems. ³Company-reported. Blog article dated October 20, 2025, describing tech E&O generally; the buyer's actual policy form and exclusions govern any specific placement.
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.	Vouch is a broker, not an insurer, for tech E&O. It lists Tech Errors & Omissions among the core coverages it places for technology clients. ²Company-reported. Vouch's Technology practice page.