Chubb vs Gallagher: Professional Liability / E&O Insurance

Gallagher Small Business arranges E&O with partner carriers, and you start by online form, advisor phone line or callback. Chubb underwrites Pro ERM, which agents and brokers quote on its own platforms.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

What Are the Key Differences Between Chubb and Gallagher Professional Liability (E&O) Insurance?

Match Your Profession Before Requesting a Quote

Gallagher recommends E&O for lawyers, insurance professionals and other licensed businesses. Chubb names associations, consultants and event planners as examples of non-licensed firms for Pro ERM. Lawyers and insurance professionals therefore have a clearer fit in Gallagher's stated audience; non-licensed consulting firms can assess Chubb's eligibility. [3] [1]

Compare the Specific Claims You Need Covered

Gallagher lists alleged negligence, personal injury, copyright infringement and punitive damages among its E&O scenarios. Chubb also lists personal injury and disciplinary-proceedings defense, but does not name copyright infringement or punitive damages on its reviewed page. If copyright or punitive-damage allegations matter to your work, get the applicable policy wording before relying on either description. [3] [1]

Check Coverage for Past Work and Contractors

Gallagher says its E&O can respond to claims tied to past work, temporary staff or independent contractors. Chubb lists coverage for independent contractors performing duties on the insured's behalf. If you use temporary staff or subcontractors, compare how each quote defines their work and whether past services are included. [3] [1]

What Should You Confirm in Chubb and Gallagher Professional Liability (E&O) Insurance Quotes?

  • Ask Gallagher for the limit and premium for your profession; its page directs buyers to request a quote. [3]
  • Ask Chubb to confirm your firm's eligibility as a non-licensed business and provide the Pro ERM liability limit. [1]
  • If you use temporary staff or contractors, compare how each policy treats their work and claims from past services. [3] [1]

Areas of coverage

Chubb

  • role: Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section.company-reportedSource ↗
  • eligibility: Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. Pro ERM Target Clients list.company-reportedSource ↗
  • coverage: Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. Pro ERM Product Features list; subject to the policy as issued.company-reportedSource ↗
  • limits: Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. Pro ERM Product Features list.company-reportedSource ↗
  • services: Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. Pro ERM Product Features list.company-reportedSource ↗
  • application: Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. Cyber Insurance Coverage & Products page quoting section.company-reportedSource ↗

Gallagher

  • role: Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. Gallagher Small Business's direct-to-small-business E&O product page.company-reportedSource ↗
  • coverage: 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. Product 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.company-reportedSource ↗
  • eligibility: 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. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.company-reportedSource ↗
  • coverage: 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. Product page market-commentary section; a general market view, not a quote for any specific business.company-reportedSource ↗
  • insurer: The E&O product page does not name the insurer that would issue a given business's policy. Checked the E&O product page on 2026-09-23.not-disclosedSource ↗
  • limits: The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. Checked the E&O product page on 2026-09-23.not-disclosedSource ↗
  • application: 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. Product page "Get Covered Now" section.company-reportedSource ↗

Gallagher lists licensed professions such as lawyers and insurance professionals; Chubb Pro ERM targets non-licensed firms such as consultants and event planners.

Sources reviewed

  1. 01
    Cyber Insurance Coverage & Products

    Chubb · Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM · accessed 2026-09-23

  2. 02
    Insurance for Software Product & System Developers

    Chubb · Financial-lines coverage solutions list for software and systems developers · accessed 2026-09-23

  3. 03
    Errors and Omissions Insurance

    Gallagher Small Business · What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now · accessed 2026-09-23

  4. 04
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  5. 05
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  6. 06
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  7. 07
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

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