---
title: "Berkshire Hathaway Specialty Insurance vs The Hartford: Tech E&O Insurance"
description: "The Hartford lists E&O, security, privacy, IP and media features for technology businesses, while Berkshire Hathaway Specialty Insurance names target classes and select technology services."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-the-hartford"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "the-hartford"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance 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 Berkshire Hathaway Specialty Insurance versus The Hartford. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Berkshire Hathaway Specialty Insurance vs The Hartford for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Berkshire Hathaway Specialty Insurance or The Hartford?
- What does Berkshire Hathaway Specialty Insurance or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Tech E&O Insurance from Berkshire Hathaway Specialty Insurance or The Hartford?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Berkshire Hathaway Specialty Insurance and The Hartford.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Berkshire Hathaway Specialty Insurance vs The Hartford](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford) — parent: all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Hartford Tech E&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs The Hartford: How Do They Compare for Tech E&O Insurance?

The Hartford lists E&O, security, privacy, IP and media features for technology businesses, while Berkshire Hathaway Specialty Insurance names target classes and select technology services.

## How to Use the Berkshire Hathaway Specialty Insurance vs The Hartford Tech E&O Insurance Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance 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.

## Berkshire Hathaway Specialty Insurance vs The Hartford Tech E&O Insurance Summary

The Hartford’s FailSafe list includes professional, privacy, IP and media features for software, hardware and telecom buyers; Berkshire Hathaway Specialty Insurance identifies specific target and select classes. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")

## What Is Berkshire Hathaway Specialty Insurance?

BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch")

[Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

## What Is The Hartford?

The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [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 coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [11](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [12](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [13](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [15](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") [16](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [17](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies")

## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and The Hartford Tech E&O Insurance?

### Listed Coverage Features

The Hartford lists E&O, security, data privacy, network security, personal injury, IP and media liability features in its FailSafe Technology E&O suite, and distinguishes it from separate cyber coverage. Berkshire Hathaway Specialty Insurance names Technology E&O as a product and lists software design, systems integration, IT training and staffing as targets. A buyer should compare the proposed grants and exclusions, especially where professional services and cyber exposures overlap. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview")

### Business Classes and Price

The Hartford names software and IT specialists, hardware manufacturers and telecom providers as buyers and gives an indicative $500 to $1,000 annual cost per employee, while noting that limits vary. Berkshire Hathaway Specialty Insurance identifies specific technology target classes but no price or limit in its overview; some consulting and MSP work is selective. Compare written quotes at the same limit and confirm any select underwriting review. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview")

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and The Hartford Tech E&O Insurance Quotes?

- Which FailSafe features are in the base form versus endorsements, and what limit supports the per-employee price estimate? [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")
- Is your Berkshire Hathaway Specialty Insurance technology activity a standard target class or a select account, and what limit can it quote? [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview")

## Berkshire Hathaway Specialty Insurance vs The Hartford Tech E&O Compared

| Criteria | Professional First Technology E&O | The Hartford FailSafe Technology Errors and Omissions Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your 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. [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..) |
| Who It’s For | The Professional First overview identifies IT training, IT staffing, internet service providers, software design and development, and system integration as Technology Services E&O target customers. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: Target classes in the U.S. overview dated 2026-06-03-A; does not make technology consulting, telecommunications consulting or managed-service-provider risks ordinary targets..)<br><br>The same overview separates technology consulting, telecommunications consulting services and managed service providers as select customers. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: U.S. selection qualification applies; no general eligibility inference..) | 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 | BHSI’s U.S. Professional First overview names Technology E&O as a distinct product offering. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: Named U.S. product in dated overview; terms, form and current transaction availability are not provided by the catalogue listing..) | 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 | Confirm in your 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. [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..) |
| Risk Services | The Professional First overview describes an in-house claims group integrated with underwriting and streamlined claim reporting for its professional-line portfolio. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: Portfolio-level company-reported service, not technology-specific outcomes or an individual-policy claim promise..) | Confirm in your quote. |

## Related Pages for Berkshire Hathaway Specialty Insurance vs The Hartford

- [Berkshire Hathaway Specialty Insurance vs The Hartford](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-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.
- [Berkshire Hathaway Specialty Insurance vs The Hartford Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/crime)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/cyber)
- [Berkshire Hathaway Specialty Insurance vs The Hartford D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs The Hartford General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/general-liability)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/professional-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions)
- [AIG vs The Hartford Tech E&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/technology-errors-omissions)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/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 Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions)
- [Amelia Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions)

## Sources for Berkshire Hathaway Specialty Insurance vs The Hartford

### Sources About Berkshire Hathaway Specialty Insurance

1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29.
2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28.
5. [Professional First Professional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A.. Accessed 2026-09-28.
6. [Professional First Architects, Engineers and Consultants Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement.. Accessed 2026-09-28.

### Sources About 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.

### Sources for the Tech E&O Insurance Guide

11. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
12. [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.
13. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
14. [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.
15. [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.
16. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
17. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Berkshire Hathaway Specialty Insurance Review Scores for 2026

Review Score: not enough ratings.

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews).

## The Hartford Review Scores for 2026

Review Score: 4.9 / 10 from 5 rated sources, equally weighted.

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/reviews).

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