Gallagher vs Hub International: Technology E&O Insurance

Both are brokers. Gallagher's tech practice has 250-plus professionals, over 7,500 clients and a digital client suite; HUB International reports over 5,000 technology companies and describes customized policies with no online quote flow.

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 Gallagher and HUB International Tech E&O Insurance?

Combined E&O and Cyber vs General E&O With Continuity Options

Both are brokers and neither names insurers or publishes limits. Gallagher’s technology practice places one policy combining professional E&O with cyber for data breaches, ransomware and privacy violations. HUB brokers technology E&O through its general E&O and technology practices, describing defense, judgments, settlements and fines, with optional prior-acts cover back to a retroactive date and a tail for late-reported claims. Choose Gallagher if you want E&O and cyber on one policy without gaps between insurers; choose HUB if you are switching E&O insurers and need your past work kept covered. [3] [5] [6]

7,500 Clients and 250 Specialists vs 5,000 Tech Companies

Gallagher reports more than 7,500 tech and telecom clients from startups to global enterprises, over $1 billion in annual premium placed and more than 250 dedicated staff. HUB says it insures more than 5,000 technology companies, from fast-growing startups to established software, hardware and digital-media firms. Both are large, experienced practices. [3] [6]

Client Portal vs Broker-Customized Policies

Gallagher offers technology clients Drive analytics, Go self-service, STEP training, Submit tracking and Verify certificate management, useful if you issue many certificates to customers. HUB routes you to a broker who customizes by size, industry, location, risk and desired limits, with no online quoting. [3] [5]

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

  • Ask Gallagher which insurer’s combined form it is placing, and HUB whether you are quoted general E&O, tech-specific E&O or E&O plus cyber. [3] [5]
  • Ask both about prior-acts cover and a tail. [5] [3]
  • Get insurers, limits and retentions in writing from both. [3] [5]
  • Ask Gallagher which portal tools come with your Tech E&O placement. [3]

Gallagher places technology E&O and cyber together on one policy through a 250-person practice serving over 7,500 tech clients, with portal tools for certificates and analytics; HUB brokers Tech E&O for more than 5,000 tech companies and can arrange prior-acts cover and a tail when you switch insurers.

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
    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

  4. 04
    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

  5. 05
    Errors and Omissions (E&O) Insurance Coverage

    HUB International · Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps · accessed 2026-09-23

  6. 06
    Insurance for Technology Companies

    HUB International · Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim · accessed 2026-09-23

  7. 07
    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

  8. 08
    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

  9. 09
    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

  10. 10
    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

Areas of coverage

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 ↗

HUB International

  • role: HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
  • eligibility: HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.company-reportedSource ↗
  • coverage: HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.company-reportedSource ↗
  • limits: HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. E&O product-page structure description; specific limits are set on the quote and declarations.not-disclosedSource ↗
  • insurer: Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
  • application: HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action as read 2026-09-23.company-reportedSource ↗

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

Contact Kearny Risk