--- title: "Amelia Risk vs The Hartford Tech E&O Insurance" description: "Amelia Risk brokers unnamed-carrier Tech E&O; The Hartford underwrites FailSafe Technology Liability with listed security, IP and media features." canonical: "https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-23" --- 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions) # Amelia Risk vs The Hartford Tech E&O Insurance Amelia Risk brokers unnamed-carrier Tech E&O; The Hartford underwrites FailSafe Technology Liability with listed security, IP and media features. ## Research Scope and Use Use this comparison to evaluate Amelia Risk and The Hartford for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Amelia Risk places Technology E&O as a brokerage line. The Hartford underwrites FailSafe Technology E&O for software, hardware and telecom buyers, listing errors-and-omissions, security, privacy, personal-injury, intellectual-property and media liability, and cites typical cost of about $500–$1,000 per year per employee. [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## What Is Amelia Risk? Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us") [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) ## What Is The Hartford? The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [7](https://www.thehartford.com/legal-notice "Legal Notice") [8](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [9](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) ## What Is Technology Errors and Omissions (E&O) Insurance? Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [11](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") ## Key Differences in Tech E&O Insurance ### Broker Versus FailSafe Underwriter Amelia Risk is a brokerage that places Technology E&O as its own listed line and does not name the issuing insurer. The Hartford’s FailSafe Technology Liability Product Suite is its technology E&O product for companies whose products or services can cause a customer’s pure financial loss that traditional liability policies usually do not cover. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### Feature Lists Amelia Risk describes Tech E&O as a more specific term for professional liability when a product or service fails and causes financial loss. The Hartford lists FailSafe features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability and media liability, and distinguishes this suite from its separate professional-liability products. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### Buyer Types and Cost Language The Hartford names software and IT specialists (including custom/packaged software developers, website designers, computer consultants, systems integrators and federal IT contractors), hardware and electronics manufacturers, and telecommunications providers. Amelia Risk markets to software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies once people are using the technology. The Hartford says E&O coverage for technology businesses typically costs about $500 to $1,000 per year per employee and does not publish standard limits. Amelia Risk uses a four-step brokerage process and does not publish a per-employee premium. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") ## What to Confirm in Tech E&O Insurance Quotes - Confirm who issues the policy: The Hartford on FailSafe versus whichever carrier Amelia Risk places. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") - Compare whether security, privacy, personal-injury, IP and media liability appear on both quotes. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") - Match The Hartford’s per-employee cost range and unpublished limits with Amelia Risk’s unpublished figures. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") - Ask how robotics, AI and life-sciences exposures Amelia Risk names are treated on FailSafe. [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## Offering Details | Criteria | Technology Errors and Omissions | The Hartford FailSafe Technology Errors and Omissions Insurance | | --- | --- | --- | | Role in This Line | Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy..) | 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. [10](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..) | | Issuing Insurer | The dedicated Tech E&O page does not name an issuing insurer, wholesale market or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the actual carrier for a Tech E&O placement depends on underwriting. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Not publicly disclosed; scope: Dedicated Tech E&O page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists..) | Not described in the reviewed sources. | | Who It’s For | Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule..)

Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Company-reported; scope: Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold..) | 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). [10](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 | Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions..) | 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. [10](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..) | | Limits and Retentions | Not described in the reviewed sources. | 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. [10](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..) | | How to Apply | Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form..) | Not described in the reviewed sources. | | Claims Support | Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service..) | Not described in the reviewed sources. | ## Full Comparison - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-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 E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss. - [Amelia Risk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-the-hartford/business-owners-policy) - [Amelia Risk vs The Hartford Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/cyber) - [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers) - [Amelia Risk vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/employment-practices) - [Amelia Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/general-liability) - [Amelia Risk vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/hired-non-owned-auto) - [Amelia Risk vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/workers-compensation) - [Alliance Risk vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/technology-errors-omissions) - [Alliance Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/technology-errors-omissions) - [Amelia Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/technology-errors-omissions) - [Amelia Risk vs Beazley Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/technology-errors-omissions) - [Amelia Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/technology-errors-omissions) - [Amelia Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/technology-errors-omissions) ## Sources ### Amelia Risk 1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16. 2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23. 3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16. 4. [Technology Errors and Omissions](https://ameliarisk.com/insurance-policies/technology-errors-omissions/). Amelia Risk Insurance Brokers; What's covered by a Technology Errors & Omissions Policy?; When should a company buy a Technology Errors & Omissions Policy?. Accessed 2026-09-23. 5. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: Tech E&O. Accessed 2026-09-16. 6. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella. Accessed 2026-09-23. ### The Hartford 7. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16. 8. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16. 9. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 10. [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. ### Tech E&O Insurance Guide 11. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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. 12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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. 13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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. Updated 2026-09-23. 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/amelia-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)