--- title: "Alliance Risk vs The Hartford: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/alliance-risk-vs-the-hartford/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "alliance-risk-vs-the-hartford" provider-a: "alliance-risk" provider-b: "the-hartford" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, 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://spot.insure/compare/alliance-risk-vs-the-hartford/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Alliance Risk and The Hartford for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Alliance Risk versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Alliance Risk vs The Hartford for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Alliance Risk or The Hartford? - What does Alliance Risk or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Alliance Risk and The Hartford. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile # 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 sells its own FailSafe Tech E&O with security, privacy, IP and media liability built in and a typical cost of $500 to $1,000 per employee a year, while Alliance Risk shops specialist insurers and publishes typical limits. ## Alliance Risk vs The Hartford Tech E&O Insurance Summary 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") ## 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](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### 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](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### 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](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Ask Alliance Risk which insurer it places with, and compare its limits and deductible with The Hartford's quote. [1](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Ask both how errors in AI outputs are treated. [1](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## Alliance Risk vs The Hartford Tech E&O Insurance Compared | 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. [1](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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. [1](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: 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). [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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. [1](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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. [1](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page as read 2026-09-23..) | ## About Alliance Risk and The Hartford and Tech E&O Insurance - [Alliance Risk company profile](https://spot.insure/insurance-providers/alliance-risk) · [Alliance Risk customer reviews](https://spot.insure/insurance-providers/alliance-risk/reviews) - [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Alliance Risk vs The Hartford Tech E&O Insurance - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Alliance Risk Tech E&O Insurance](https://spot.insure/insurance-providers/alliance-risk/technology-errors-omissions) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) ## Sources for Alliance Risk vs The Hartford Tech E&O Insurance ### Sources About Alliance Risk 1. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Who Needs Tech E&O Insurance?; What Tech E&O Insurance Covers/Does NOT Cover; Tech E&O Insurance vs. Cyber Liability Insurance; How Much Does Tech E&O Insurance Cost?; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-23. ### Sources About The Hartford 2. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; How Does Technology Errors and Omissions Insurance Work; Technology Errors and Omissions Insurance Coverage feature list; Technology Errors and Omissions Insurance Cost; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-23. Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/alliance-risk-vs-the-hartford/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)