--- title: "Amelia Risk vs The Hartford: Tech E&O Insurance" description: "The Hartford’s FailSafe is a ready-made tech E&O policy that adds security, privacy, IP and media liability, at a typical $500 to $1,000 per employee a year. Amelia Risk is a broker that shops tech E&O for robotics, AI, autonomous-vehicle and life-sciences startups." canonical: "https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "amelia-risk-vs-the-hartford" provider-a: "amelia-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/amelia-risk-vs-the-hartford/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Amelia 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 Amelia 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:** - Amelia Risk vs The Hartford for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Amelia Risk or The Hartford? - What does Amelia Risk or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Amelia 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:** - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-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 - [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile # Amelia Risk vs The Hartford: How Do They Compare for Tech E&O Insurance? The Hartford's FailSafe suite covers software, hardware and telecommunications firms and typically costs about $500 to $1,000 per employee a year. Amelia Risk is the brokerage, and it approaches insurers for you. The Hartford insures tech E&O itself through FailSafe, with security, privacy, IP and media liability built in and typical costs of $500 to $1,000 per employee a year, while Amelia Risk brokers tech E&O for robotics, AI and life-sciences startups. ## Amelia Risk vs The Hartford Tech E&O Insurance Summary The Hartford’s FailSafe is a ready-made tech E&O policy that adds security, privacy, IP and media liability, at a typical $500 to $1,000 per employee a year. Amelia Risk is a broker that shops tech E&O for robotics, AI, autonomous-vehicle and life-sciences startups. [5](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [3](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [1](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") ## What Are the Key Differences Between Amelia Risk and The Hartford Tech E&O Insurance? ### Insurer’s Named Product With a Price Guide vs a Broker Shopping Insurers The Hartford underwrites its FailSafe Technology Liability suite for companies whose products or services can cause a customer financial loss that ordinary liability policies don’t cover, and says tech E&O typically costs about $500 to $1,000 per employee a year. Amelia Risk places technology E&O as its own line with insurers it doesn’t name and publishes no pricing. Choose The Hartford if you are a software, IT, hardware or telecom business that wants a known form and a budget figure; choose Amelia Risk if you are a robotics, AI, autonomous-vehicle or life-sciences startup whose risk may need a specialist market. [5](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [2](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [3](https://ameliarisk.com/insurance-policies/ "Insurance Policies") ### Security, IP and Media Built In vs Core E&O Description FailSafe lists errors and omissions, security, data privacy and network security, personal injury, intellectual property and media liability. Amelia Risk describes tech E&O as professional liability for when your product or service fails and causes financial loss, without listing add-ons. If a breach or IP claim is a real risk, FailSafe documents cover for it. [5](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") ### Named IT Buyers vs Deep-Tech Buyers The Hartford names software developers, website designers, computer consultants, systems integrators, federal IT contractors, hardware and electronics manufacturers and telecom providers. Amelia Risk names software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies, and says to buy once people are using your technology. [5](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [1](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") ## What Should You Confirm in Amelia Risk and The Hartford Tech E&O Insurance Quotes? - Ask Amelia Risk which insurer it would use and whether security, privacy, IP and media liability are included. [1](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [5](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Get limits from both; The Hartford publishes a cost range but no standard limits. [5](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") - If you work in robotics, AI or life sciences, ask The Hartford whether FailSafe will write you. [2](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [5](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## Amelia Risk vs The Hartford Tech E&O Insurance Compared | Criteria | Technology Errors and Omissions | The Hartford FailSafe Technology Errors and Omissions Insurance | | --- | --- | --- | | 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. [1](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. [2](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). [5](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. [1](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. [5](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 | 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. [3](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [1](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. [5](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 Amelia Risk and The Hartford and Tech E&O Insurance - [Amelia Risk company profile](https://spot.insure/insurance-providers/amelia-risk) · [Amelia Risk customer reviews](https://spot.insure/insurance-providers/amelia-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 Amelia Risk vs The Hartford Tech E&O Insurance - [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 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. - [Amelia Risk Tech E&O Insurance](https://spot.insure/insurance-providers/amelia-risk/technology-errors-omissions) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) ## Sources for Amelia Risk vs The Hartford Tech E&O Insurance ### Sources About Amelia Risk 1. [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. 2. [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. 3. [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. 4. [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. ### Sources About The Hartford 5. [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. 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