--- title: "Gallagher Professional Liability (E&O) Insurance" description: "Everything to know before buying Gallagher Professional Liability (E&O) Insurance: what it covers, who it’s for, and how to apply." canonical: "https://thegeneralaverage.com/insurance-providers/gallagher/professional-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" provider: "gallagher" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-providers/gallagher/professional-errors-omissions) ## Agent Guide **What this page is:** What Gallagher Professional Liability (E&O) Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Gallagher Professional Liability (E&O) Insurance specifically. For the general coverage explainer use /coverage/professional-errors-omissions; for the provider overall use its profile. **Questions this page answers:** - Does Gallagher Professional Liability (E&O) Insurance offer this coverage? - What does Gallagher Professional Liability (E&O) Insurance cover and exclude? - Who is Gallagher Professional Liability (E&O) Insurance designed for? **Key facts:** - Provider slug `gallagher`; coverage line `professional-errors-omissions`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/gallagher) — parent: provider profile # What Does Professional Liability (E&O) Insurance from Gallagher Cover? Product: Gallagher Small Business Errors and Omissions Insurance. Provider: Gallagher. Coverage line: Professional Liability (E&O) Insurance. ## Quick Answer Gallagher Small Business arranges professional liability (E&O) insurance for small businesses that provide a specific professional service, such as technology, accounting or legal work. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") ## Gallagher Professional Liability (E&O) Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Not publicly disclosed | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 2 | | Limits and Retentions | Not publicly disclosed | 1 | | How to Apply | Company-reported | 1 | ## What Is Gallagher’s Role in Professional Liability (E&O) Insurance? - Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business E&O product page.) ## Who Is Gallagher Professional Liability (E&O) Insurance For? - 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.) ## Coverage Features of Gallagher Professional Liability (E&O) Insurance - 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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.) - 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page market-commentary section; a general market view, not a quote for any specific business.) ## How Do You Apply for Gallagher Professional Liability (E&O) Insurance? - 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page "Get Covered Now" section.) ## What We Couldn’t Find About Gallagher Professional Liability (E&O) The reviewed sources do not settle these. Confirm them with Gallagher or a broker before relying on them. - **Issuing Insurer (Not publicly disclosed):** The E&O product page does not name the insurer that would issue a given business's policy. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Scope: Checked the E&O product page on 2026-09-23.) - **Limits and Retentions (Not publicly disclosed):** The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. [1](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Scope: Checked the E&O product page on 2026-09-23.) ## Gallagher vs Other Professional Liability (E&O) Insurance Providers - [Gallagher vs AIG](https://thegeneralaverage.com/compare/aig-vs-gallagher) - [Gallagher vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-gallagher) - [Gallagher vs Aon](https://thegeneralaverage.com/compare/aon-vs-gallagher) - [Gallagher vs At-Bay](https://thegeneralaverage.com/compare/at-bay-vs-gallagher) - [Gallagher vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-gallagher) - [Gallagher vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-gallagher) ## Other Coverage Lines From Gallagher - [Gallagher Builders Risk Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/builders-risk) - [Gallagher Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/gallagher/business-owners-policy) - [Gallagher Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/commercial-auto) - [Gallagher Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/commercial-property) - [Gallagher Crime Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/crime) - [Gallagher Cyber Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/cyber) - [Gallagher D&O Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/directors-officers) - [Gallagher Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/gallagher/employee-health-benefits) - [Gallagher Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/employment-practices) - [Gallagher Equipment Breakdown Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/equipment-breakdown) - [Gallagher Fidelity Bonds](https://thegeneralaverage.com/insurance-providers/gallagher/fidelity-bonds) - [Gallagher Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/fiduciary) - [Gallagher General Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/general-liability) - [Gallagher Intellectual Property Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/intellectual-property) - [Gallagher Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/kidnap-ransom) - [Gallagher Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/product-liability) - [Gallagher Product Recall Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/product-recall) - [Gallagher Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/representations-warranties) - [Gallagher Surety Bonds](https://thegeneralaverage.com/insurance-providers/gallagher/surety-bonds) - [Gallagher Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/technology-errors-omissions) - [Gallagher Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/umbrella-excess) - [Gallagher Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/gallagher/workers-compensation) ## Rankings That Include Gallagher - [Best Professional Liability (E&O) Insurance for Law Firms](https://thegeneralaverage.com/best/professional-errors-omissions/law-firms) ## Related Reading - [Gallagher Profile](https://thegeneralaverage.com/insurance-providers/gallagher) - [Gallagher Reliability](https://thegeneralaverage.com/insurance-providers/gallagher/reliability) - [Gallagher Alternatives](https://thegeneralaverage.com/insurance-providers/gallagher/alternatives) - [Coverage Guide: Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) ## Sources for Gallagher Professional Liability (E&O) Insurance 1. [Errors and Omissions Insurance](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/). 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. ## How to Cite This Page Gallagher Professional Liability (E&O) Insurance: Coverage, Eligibility & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/gallagher/professional-errors-omissions. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). 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