Gallagher Professional Liability (E&O) Insurance

Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ¹Company-reportedGallagher Small Business's direct-to-small-business E&O product page.

The E&O product page does not name the insurer that would issue a given business's policy. ¹Not publicly disclosedChecked the E&O product page on 2026-09-23.

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-reportedProduct page eligibility and recommended-professions lists; actual acceptance depends on underwriting.

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-reportedProduct 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-reportedProduct page market-commentary section; a general market view, not a quote for any specific business.

The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ¹Not publicly disclosedChecked the E&O product page on 2026-09-23.

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-reportedProduct page "Get Covered Now" section.