What Are the Key Differences Between Gallagher and Vouch Tech E&O Insurance?
Combined E&O and Cyber vs Online Startup Intake
Both are brokers. Gallagher's Technology practice places technology E&O as one policy that also covers cyber perils such as breaches, ransomware and privacy violations, and cites more than 7,500 tech and telecom clients from startup to global, with over 250 dedicated staff and client tools such as Drive and Verify. Vouch lists Tech E&O among core coverages for AI, SaaS, eCommerce, fintech, hardware and crypto companies, from first customer contract through IPO, and starts you in an online application. Choose Gallagher if you want E&O and cyber in one placement with a large dedicated team; choose Vouch if you are a venture-backed startup that wants to apply online. [3] [9]
Your Own Cyber Incidents: Included vs Typically Excluded
Vouch's article says Tech E&O usually covers service failures, negligence, missed deliverables, breach of contract or warranty, accidental IP infringement and third-party data-breach liability from a product flaw, but excludes cyber incidents on your own systems, bodily injury, property damage, intentional or criminal acts and employment claims. So with Vouch, plan to buy cyber separately. Gallagher builds cyber into the same policy but publishes no detailed inclusion or exclusion list. [10] [3]
What Should You Confirm in Gallagher and Vouch Tech E&O Insurance Quotes?
- Ask both which insurer would issue the policy and whether cyber sits on the same form. [3] [9]
- Check how accidental IP infringement and your own cyber incidents are treated on each form. [10] [3]
- Get limits and retentions from both; neither publishes them. [3] [10]
- Ask Gallagher which client tools come with your placement. [3]