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

The Hartford prices FailSafe Tech E&O typically at about $500 to $1,000 per employee a year for software, hardware and telecom firms. Beazley's MediaTech is a small-business form that adds media and cyber.

Beazley suits small tech businesses that want Tech E&O, media and cyber on one MediaTech form; The Hartford suits software, hardware and telecom firms that already buy cyber elsewhere and want a per-employee budget of about $500 to $1,000 a year. Beazley's sample form excludes patent and trade-secret claims. ^1,^4,³

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

Cyber Included vs Cyber Bought Separately

Beazley puts technology E&O, professional E&O, media and cyber on one MediaTech form for small businesses, placed through platforms or email. The Hartford's FailSafe suite covers E&O, security, privacy, personal injury, IP and media liability for software and IT specialists, hardware and electronics makers and telecom providers, and sells cyber separately. It says tech E&O typically costs about $500 to $1,000 per employee a year. Choose Beazley if you want everything on one form; choose The Hartford if you already have cyber and want to avoid paying for overlap. ¹ ⁴

IP Gaps in Beazley's Form

Beazley's sample form covers software copyright but excludes patent infringement and trade-secret misappropriation tied to your tech products. The Hartford lists intellectual property as a FailSafe feature without spelling out exclusions. If you license patented technology or hold trade secrets, get The Hartford's IP wording in writing before assuming it's broader. ³ ⁴

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

Ask The Hartford whether your quote includes its separate cyber product. ⁴ ¹
Compare patent, trade-secret and copyright wording on both specimens. ³ ⁴
Ask The Hartford which company issues the policy; Beazley's application names Beazley Insurance Company, Inc. ⁴ ²
Check your quoted premium against The Hartford's $500 to $1,000 per employee range, and ask Beazley about tail cover on its claims-made form. ⁴ ³

Beazley vs The Hartford Tech E&O Insurance Compared

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

Criteria	Beazley MediaTech for Small Businesses	The Hartford FailSafe Technology Errors and Omissions Insurance
Limits and Retentions	Coverage is claims-made and reported: it responds only to claims first made and reported during the policy period (or a purchased Optional Extension Period), and defense costs reduce the available limit. A buyer can purchase an Optional Extension Period (a tail) for additional premium after non-renewal or cancellation. ^3,²Company-reported. Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly.	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. ⁴Company-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	The sample MediaTech form defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control. The sample form excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. ³Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.	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. ⁴Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	Beazley sells technology errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes professional E&O, media liability and cyber coverage. It is not offered as a standalone tech E&O policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.	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. ⁴Company-reported. Technology E&O product page as read 2026-09-23.

Criteria

Beazley MediaTech for Small Businesses

The Hartford FailSafe Technology Errors and Omissions Insurance

Limits and Retentions

Coverage is claims-made and reported: it responds only to claims first made and reported during the policy period (or a purchased Optional Extension Period), and defense costs reduce the available limit. A buyer can purchase an Optional Extension Period (a tail) for additional premium after non-renewal or cancellation. ^3,²Company-reported. Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly.

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. ⁴Company-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

The sample MediaTech form defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.

The sample form excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. ³Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.

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. ⁴Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.

Role in This Line

Beazley sells technology errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes professional E&O, media liability and cyber coverage. It is not offered as a standalone tech E&O policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.

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. ⁴Company-reported. Technology E&O product page as read 2026-09-23.