CNA vs Gallagher: Technology E&O Insurance

Gallagher does not underwrite: it places tech E&O with outside carriers through a 250-plus person practice that serves startups to global enterprises. CNA offers Technology E&O for technology businesses, aimed at contract requirements.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

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

Brokered combined policy and carrier offering

Gallagher’s technology practice places coverage with outside carriers and describes one policy combining professional-service errors and omissions with cyber risks such as breaches, ransomware and privacy violations. CNA markets Technology E&O for contractual requirements and names dedicated claims and risk-control support. If your goal is integrated E&O and cyber, request the Gallagher form and compare its combined policy schedule with the CNA option; CNA’s record does not establish whether its tech product includes cyber. [3] [4]

Client-facing technology services

Gallagher says its technology clients can use Drive analytics, Go self-service, STEP training, Submit submission tracking and Verify certificate management. CNA instead identifies privacy/data-protection risk-control resources and responsive claims support. These service descriptions address different operating needs: insurance administration and training versus line-linked risk control and claims. Ask which Gallagher tools are included for your account and whether CNA’s resources are available before a claim or only as part of loss response. [3] [4]

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

  • Does the CNA proposal include cyber coverage or require a separate policy alongside technology E&O? [3]
  • Which Gallagher carrier, combined limit and digital services are included in your placement? [4]

Areas of coverage

CNA

  • eligibility: CNA describes Technology E&O for technology businesses. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA says its technology E&O addresses contractual requirements and seeks to reduce coverage gaps. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA identifies responsive claims support and privacy/data-protection risk-control resources for technology clients. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

Gallagher

  • role: Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. Group-level technology industry practice page.company-reportedSource ↗
  • coverage: 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. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.company-reportedSource ↗
  • eligibility: 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. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.company-reportedSource ↗
  • 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. Group-level technology industry practice page; not confirmed as included with every tech E&O placement.company-reportedSource ↗
  • services: 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. Group-level technology industry practice page.company-reportedSource ↗
  • insurer: The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. Checked the group-level technology industry practice page.not-disclosedSource ↗
  • limits: The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. Checked the group-level technology industry practice page.not-disclosedSource ↗

Gallagher places one policy combining technology E&O and cyber for clients from startups to global enterprises; CNA describes technology contractual and claims support.

Sources reviewed

  1. 01
    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

  2. 02
    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

  3. 03
    Cyber Insurance - Cyber Risk Solutions | CNA Insurance

    CNA · Cyber, Media, Technology & Professional Liability; product sections · accessed 2026-09-28

  4. 04
    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

  5. 05
    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

  6. 06
    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

  7. 07
    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

  8. 08
    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

  9. 09
    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

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk