Alliance Risk vs The Hartford: How Do They Compare for Tech E&O Insurance?

The Hartford says tech E&O typically costs about $500 to $1,000 per employee a year and publishes no standard limits; Alliance Risk instead cites typical limits from $250K/$500K to $2M/$3M+ through a placement partner role.

The Hartford insures FailSafe Tech E&O itself, with security, privacy, IP and media liability built in, and says it typically costs $500 to $1,000 per employee a year. Alliance Risk shops specialist insurers for SaaS, AI and IT firms and publishes typical limits up to $2 million/$3 million-plus. ^2,¹

What Are the Key Differences Between Alliance Risk and The Hartford Tech E&O Insurance?

One Insurer's Package vs a Specialist Broker

The Hartford writes FailSafe itself for software and IT firms (including federal IT contractors), hardware and electronics makers, and telecom providers. Alliance Risk places Tech E&O with specialist insurers it doesn't name, for SaaS, AI, IT consultants, MSPs, developers, analytics, staffing and help-desk firms. Choose The Hartford if you're a software, hardware or telecom company that wants security and media liability in the same policy; choose Alliance Risk if you're an AI, MSP or staffing firm that wants several insurers shopped. ¹ ²

What's Covered

FailSafe lists errors and omissions, security, data privacy and network security, personal injury, IP and media liability. Alliance Risk describes cover for failure to perform, errors in deliverables including AI outputs, unmet specifications, unintentional IP infringement, product failure and data loss from your own mistakes. If AI output errors are your main risk, Alliance Risk names them; if you also need privacy and security liability, FailSafe lists them. ¹ ²

Price vs Limits

The Hartford says Tech E&O typically costs about $500 to $1,000 per employee a year but publishes no limits. Alliance Risk publishes typical limits from $250,000/$500,000 to $2 million/$3 million-plus but no prices. ¹ ²

What Should You Confirm in Alliance Risk and The Hartford Tech E&O Insurance Quotes?

Check that security, privacy, personal-injury, IP and media liability are all on your FailSafe quote. ²
Ask Alliance Risk which insurer it places with, and compare its limits and deductible with The Hartford's quote. ¹ ²
Ask both how errors in AI outputs are treated. ¹ ²

Alliance Risk vs The Hartford Tech E&O Insurance Compared

Alliance Risk vs The Hartford: Tech E&O Insurance: documented features by provider

Criteria	Alliance Risk Tech E&O Insurance	The Hartford FailSafe Technology Errors and Omissions Insurance
Limits and Retentions	Alliance Risk describes typical Tech E&O limits ranging from $250K/$500K for a freelancer up to $2M/$3M+ for a SaaS company with many users, and cites $2,500 as a standard deductible for small firms. ¹Company-reported. Tech E&O page, "How to Buy Tech E&O Insurance" and cost sections; illustrative ranges, not a specific quote.	The Hartford says E&O coverage for technology businesses typically costs about $500 to $1,000 per year per employee; the page does not publish standard coverage limits, which depend on location, employee count, coverage limits chosen and lawsuit history. ²Company-reported. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit.
Who It’s For	Alliance Risk lists SaaS platforms, AI companies, IT consultants/system integrators/MSPs, software developers, data analytics and business-intelligence firms, IT staffing firms, and IT support/help-desk providers as the businesses that need Tech E&O. ¹Company-reported. Tech E&O page, "Who Needs Tech E&O Insurance?" section.	The Hartford names buyer types for Tech E&O: software and IT specialists (custom/packaged software developers, website designers, computer consultants, systems integrators, federal IT contractors), hardware and electronics manufacturers, and telecommunications providers (local/long-distance carriers, internet/application service providers, website hosting). ²Company-reported. Technology E&O product page as read 2026-09-23.
Coverage Features	Alliance Risk describes Tech E&O as covering failure to perform or deliver, errors in deliverables (including AI outputs that are factually wrong or biased), unmet specifications, unintentional IP infringement, product failure and data loss caused by the company's own mistakes, while excluding intentional wrongdoing, bodily injury or property damage, and cyberattacks, which it says require separate cyber coverage. ¹Company-reported. Tech E&O page, "What Tech E&O Insurance Covers" and "Does NOT Cover" sections and the E&O-vs-cyber comparison; the issued policy and declarations control actual terms.	The Hartford lists FailSafe Technology E&O coverage features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability, and media liability. It distinguishes this from its separate cyber liability coverage, which addresses cyberattacks and data leaks specifically rather than broader product/service failures. ²Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	Alliance Risk specializes in placing Tech E&O coverage for technology companies that build, deploy or advise using software, describing itself as a specialist placement partner for this line rather than an underwriter. ¹Company-reported. Tech E&O page opening description.	The Hartford's FailSafe Technology Liability Product Suite is its technology errors and omissions (E&O) product, aimed at technology companies whose products or services can cause a customer's pure financial loss that traditional liability policies usually don't cover. ²Company-reported. Technology E&O product page as read 2026-09-23.