Gallagher vs Zurich U.S.: How Do They Compare for Tech E&O Insurance?

Gallagher’s Technology practice markets combined technology E&O and cyber coverage and places it with outside carriers. Zurich describes possible E&O defense costs, settlements, and court fees, with crisis management available only through an enhanced endorsement for qualified customers. ^1,⁸

What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. ^1,^2,^3,^4,⁵

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Read the Gallagher Tech E&O Insurance page

Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. ^6,⁷

Read the Zurich U.S. profile

Read the Zurich U.S. Tech E&O Insurance page

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

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. ^9,^10,^11,^12,^13,^14,¹⁵

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Key Differences in Tech E&O Insurance

Combined Policy Design

Gallagher describes a single policy joining professional-services errors and omissions with cyber perils such as data breaches, ransomware, and privacy violations. Zurich’s description focuses on E&O defense costs, settlements, and court fees; crisis management is an enhanced endorsement for qualified customers. Ask Zurich whether the quote includes cyber coverage and ask Gallagher how its proposed form divides E&O and cyber obligations. ¹ ⁸

Technology Applicant Profile

Gallagher says its Technology practice serves technology and telecommunications clients from startups through global enterprises. Zurich identifies hardware and software product makers and technology service providers as target E&O classes. If your company combines software with telecom services, ask Gallagher which carrier class it will submit and Zurich whether those operations fit the quoted class. ¹ ⁸

What to Confirm in Tech E&O Insurance Quotes

Ask Gallagher to identify the issuing carrier and show the E&O and cyber limits, retentions, and key exclusions separately. ¹
Ask Zurich whether crisis management is offered to your account and which cyber agreements appear in the proposed form. ⁸

Gallagher and Zurich U.S. Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Gallagher Review Score

9.3/ 10

Review Score

3 rated sources

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.^[2]^[4]^[6]

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Zurich U.S. Review Score

-/ 10

Review Score

No reviews found

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.^[1]^[4]^[5]^[6]^[7]

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Gallagher vs Zurich U.S. Tech E&O Insurance Compared

Gallagher vs Zurich U.S.: Tech E&O Insurance: documented features by provider

Criteria	Gallagher Technology Errors and Omissions (Tech E&O) Insurance	Zurich Pro Plus E&O for Technology Companies
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.	Confirm in your quote.
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.	Confirm in your quote.
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.	Zurich identifies technology practitioners, including hardware/software product makers and technology service providers, as targeted E&O classes. ⁸Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.
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.	Zurich says its E&O may cover defense costs, settlements and court fees; crisis-management coverage is described as an enhanced endorsement for qualified customers, not an unconditional standard feature. ⁸Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Crisis-management coverage is conditional on the enhanced endorsement and qualification; actual covered terms, limits, issuer and state availability depend on issued policy.
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.	Confirm in your quote.
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.	Zurich describes dedicated E&O claims specialists and underwriters with professional-liability experience. ⁸Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.

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Sources for Gallagher vs Zurich U.S. Tech E&O Insurance

Sources About 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.

Sources About Zurich U.S.

About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
Errors and Omissions Insurance – E&O | Zurich Insurance. Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28.

Sources for the Tech E&O Insurance Guide

Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
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.
Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. 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.
Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
Cyber Risk for Technology Companies. Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.