CFC vs 
The Hartford: How Do They Compare for Tech E&O Insurance?
The Hartford says Tech E&O typically costs about $500 to $1,000 per employee a year and does not publish standard limits. CFC lists limits up to $10,000,000 with a $0 minimum deductible.
CFC’s Technology package includes cyber on the same policy, up to $10 million, with incident response at a $0 deductible. The Hartford’s FailSafe covers E&O, security, privacy, IP and media liability at a typical $500 to $1,000 per employee a year, with full cyber sold as a separate policy. 2,5
What Are the Key Differences Between CFC and The Hartford Tech E&O Insurance?
Cyber on the Same Policy vs a Separate Cyber Purchase
CFC’s Technology product bundles E&O, breach of contract, IP/media and cyber in one package with a published $10 million maximum. The Hartford’s FailSafe Technology Liability suite covers companies whose products or services can cause a customer financial loss, and lists E&O, security, data privacy, personal injury, IP and media liability, but The Hartford sells cyber liability for attacks and data leaks as a separate product. Choose CFC if you want one policy for E&O and a breach; choose The Hartford if you are a smaller IT or software firm that wants a per-employee price guide and may buy cyber separately. 1 2 5
Per-Employee Price Guide vs Published Limit
The Hartford says tech E&O typically costs about $500 to $1,000 per employee a year, so a 10-person firm can budget roughly $5,000 to $10,000; actual limits depend on location, headcount, chosen limits and lawsuit history. CFC publishes its $10 million ceiling but no price guide. 5 2
$0-Deductible Incident Response vs None Described
CFC includes incident-response service at a $0 deductible plus a free app. The Hartford’s tech E&O pages describe no equivalent. If a breach happens, CFC’s response team is already part of your policy. 2 5
What Should You Confirm in CFC and The Hartford Tech E&O Insurance Quotes?
CFC vs The Hartford Tech E&O Insurance Compared
CFC vs The Hartford: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | The Hartford FailSafe Technology Errors and Omissions Insurance |
|---|---|---|
| Limits and Retentions | CFC publishes a maximum errors & omissions/media/cyber limit of $10,000,000 and a maximum commercial general liability limit of $6,000,000 for this product, with a minimum deductible of $0. 2Company-reported. Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control. | 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. |
| Who It’s For | CFC says the Technology product is suitable for start-ups, mid-size and multinational tech companies, without publishing a specific revenue or headcount cutoff on the product page. 1Company-reported. Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application. | 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). 5Company-reported. Technology E&O product page as read 2026-09-23. |
| Coverage Features | CFC describes coverage for financial loss, bodily injury or property damage arising from a technology company's products and services, plus legal liability for breach of client contracts and IP infringement claims such as copyright and trademark disputes. 2Company-reported. Product brochure feature descriptions; exclusions and conditions are set by the policy wording, which was not reviewed. The cyber portion of the policy includes network and privacy liability, business interruption, data rectification and recreation costs, extortion cover, and social engineering coverage, sitting inside the same Technology package rather than as a separate purchase. 2Company-reported. Product brochure 'Comprehensive cyber cover' section. | 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 | CFC's Technology product is a single package policy for technology companies that bundles errors & omissions liability, breach-of-contract cover, IP infringement and media liability, and cyber cover. 1,2Company-reported. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer. | 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. |
