Gallagher vs Startupinsurance: Technology E&O Insurance

StartupInsurance.ai suits a startup with customer contracts: its free policy check reads them against the tech E&O wording for gaps. Gallagher spans startups to global enterprises, with a 250-plus person practice and a digital suite.

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

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 ↗

StartupInsurance.ai

  • role: StartupInsurance.ai's coverage list places "Tech E&O and Professional Liability" as one program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. Homepage coverage list and ContractorNerd's terms and conditions on its producer role; the page bundles tech E&O with professional liability in this one catalogue entry rather than describing them separately.company-reportedSource ↗Source ↗
  • coverage: StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy.company-reportedSource ↗
  • coverage: StartupInsurance.ai says one major carrier added a blanket AI exclusion to "D&O, E&O and fiduciary" forms at renewal; the page does not specify whether "E&O" here means technology E&O, professional E&O, or both. Homepage "wording that still says yes" section; the E&O reference is ambiguous between the two E&O lines the program sells, so this claim is not conclusively tech-E&O-specific.company-reportedSource ↗
  • insurer: The homepage's carrier panel does not identify which panel carrier underwrites tech E&O placements; the reviewed pages do not disclose a specific insurer for this line. Homepage carrier panel; the panel is program-wide, not broken out by coverage line.not-disclosedSource ↗
  • application: "Tech Errors & Omissions" is one of seven boxes on StartupInsurance.ai's online quote-intake screen, described there as coverage for "claims from your tech products or services failing." The same screen shows no separate box for general professional liability. Initial coverage-selection screen of the quote application; the absence of a distinct professional-liability box shows how the flow packages this line, not that professional liability is unavailable.company-reportedSource ↗
  • services: StartupInsurance.ai's free policy check reads a startup's customer contracts against its tech E&O wording, flagging places where the contract promises something (like an accuracy warranty) the policy doesn't cover. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy.company-reportedSource ↗

What Are the Key Differences Between Gallagher and StartupInsurance.ai Tech E&O Insurance?

Startup Online Request vs a Large Tech Practice

StartupInsurance.ai lists Tech E&O and professional liability on its online quote screen, arranged by ContractorNerd Insurance Services as agent or broker. Gallagher's Technology practice places a combined E&O and cyber policy with outside insurers for more than 7,500 tech and telecom clients, from startups to global enterprises. Choose StartupInsurance.ai if you're an early startup that wants to start online; choose Gallagher if you're scaling or need E&O and cyber on one policy with a large broker behind it. [9] [3] [8] [4]

Contract Gap Check vs Digital Tools Suite

StartupInsurance.ai says most Tech E&O forms leave out accuracy warranties and uptime promises in customer contracts, and its free policy check flags those gaps before you bind. Gallagher doesn't describe a contract review; it lists a suite of digital tools for technology clients. If you've promised customers uptime or accuracy, StartupInsurance.ai's check targets that risk directly. [9] [4]

What Should You Confirm in Gallagher and StartupInsurance.ai Tech E&O Insurance Quotes?

  • Ask StartupInsurance.ai which insurer on its panel applies, and whether the AI exclusion it warns about affects your Tech E&O form. [9]
  • Ask Gallagher which combined form it's placing and how it treats accuracy warranties and uptime SLAs. [4] [9]
  • If you use StartupInsurance.ai's contract check, ask Gallagher for the same review on its quote. [9] [4]
  • Get limits, retentions and the issuing insurer from both. [4] [8]

StartupInsurance.ai is built for startups: you request Tech E&O online and get a free check of your customer contracts for accuracy and uptime promises most forms leave out. Gallagher is a large broker placing combined E&O and cyber for more than 7,500 tech and telecom clients, up to global enterprises.

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
    Terms and Conditions

    ContractorNerd · Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance” · accessed 2026-09-23

  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
    Apply for Startup Insurance | StartupInsurance.ai

    StartupInsurance.ai · Coverage-selection screen: Tech Errors & Omissions — “Covers claims from your tech products or services failing” · accessed 2026-09-23

  9. 09
    Startup Insurance | Coverage that clears the review

    StartupInsurance.ai · Wording that still says yes (accuracy warranties/uptime promises and tech E&O forms; “One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check · accessed 2026-09-23

  10. 10
    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

  11. 11
    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.

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