At-Bay vs The Hartford: How Do They Compare for Tech E&O Insurance?

The Hartford prices Tech E&O at typically about $500 to $1,000 per employee a year under its FailSafe suite. At-Bay publishes limits and revenue ranges instead, up to $10 million and $5 billion.

The Hartford gives you a budget up front, about $500 to $1,000 per employee a year, for a FailSafe suite that adds privacy, IP and media liability to Tech E&O; At-Bay publishes limits up to $10 million and broader contract terms, with Stance security services on every policy. The Hartford publishes no limits. ^5,¹

What Are the Key Differences Between At-Bay and The Hartford Tech E&O Insurance?

Broad Liability Suite vs Contract-Focused E&O

The Hartford's FailSafe Technology Liability Product Suite, for companies whose products or services can cause a customer financial loss, lists errors and omissions, security, data privacy and network security, personal injury, and intellectual property and media liability, separate from its cyber policy. At-Bay's Tech E&O focuses on negligence, contractual indemnity and broader contract and IP terms, and doesn't name media or personal-injury cover. Choose The Hartford if you're a software, IT, hardware or telecom firm with media or content exposure; choose At-Bay if your contracts carry heavy warranty or indemnity obligations. ⁵ ¹

A Per-Employee Price vs a Published Limit

The Hartford says tech E&O typically costs about $500 to $1,000 per employee per year, so a 20-person firm can budget roughly $10,000 to $20,000, but it publishes no limits. At-Bay publishes a revenue ceiling of $5 billion and limits up to $10 million, but no price. The Hartford names software and IT specialists, including federal IT contractors, hardware and electronics manufacturers and telecom providers; At-Bay doesn't list industries. ⁵ ¹

Security Services Only at At-Bay

Every At-Bay Tech E&O policy includes Stance security services. The Hartford's Tech E&O page describes no comparable service tied to FailSafe. ¹ ⁵

What Should You Confirm in At-Bay and The Hartford Tech E&O Insurance Quotes?

Ask The Hartford which FailSafe coverages are on your quote. ⁵ ¹
Ask both for limits, retentions and the issuing company. ⁵ ¹
Ask how IP, media and privacy cover interacts with any separate cyber policy you hold. ⁵ ¹

At-Bay vs The Hartford Tech E&O Insurance Compared

At-Bay vs The Hartford: Tech E&O Insurance: documented features by provider

Criteria	At-Bay Tech E&O Insurance	The Hartford FailSafe Technology Errors and Omissions Insurance
Limits and Retentions	At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. ¹Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.	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. ⁵Company-reported. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit.
Coverage Features	At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements 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. ⁵Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.	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. ⁵Company-reported. Technology E&O product page as read 2026-09-23.

Criteria

At-Bay Tech E&O Insurance

The Hartford FailSafe Technology Errors and Omissions Insurance

Limits and Retentions

At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. ¹Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.

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. ⁵Company-reported. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit.

Coverage Features

At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements 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. ⁵Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.

Role in This Line

At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.

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. ⁵Company-reported. Technology E&O product page as read 2026-09-23.