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

The Hartford's FailSafe suite covers software, hardware and telecom firms and typically costs about $500 to $1,000 per employee a year. Chubb's DigiTech ERM is quoted by agents and brokers and merges Tech E&O with media and cyber.

The Hartford sells FailSafe Tech E&O separately from its cyber policy and says it typically costs $500 to $1,000 per employee a year. Chubb's DigiTech ERM puts Tech E&O, media and cyber in one policy, with no published price but a 24/7 incident-response panel. ^4,¹

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

Separate Policies vs One Combined Policy

The Hartford's FailSafe covers tech firms whose products or services can cause a customer financial loss, and it sells cyber as a separate policy. Chubb's DigiTech ERM is one policy combining Tech E&O with media and cyber, built on its Cyber ERM base. Choose The Hartford if you already carry cyber elsewhere or want a per-employee budget figure; choose Chubb if you want E&O, media and cyber under one policy and one claims process. ⁴ ¹

Published Price vs Incident Response

The Hartford says Tech E&O typically costs about $500 to $1,000 per employee a year; Chubb publishes no price. DigiTech ERM policyholders get Chubb's incident-response panel, a 24/7 hotline and the Cyber Alert app, which The Hartford's Tech E&O pages don't describe. ⁴ ¹

Who Each Targets

Both name software or IT firms and hardware and electronics makers. The Hartford also names telecom providers; Chubb also names technology-services and consulting firms. ⁴ ¹

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

Ask The Hartford whether FailSafe is quoted with or without its separate cyber policy. ⁴
Get FailSafe limits; The Hartford says price depends on location, headcount, chosen limits and lawsuit history. ⁴
Get DigiTech ERM limits and check its delay and copyright wording. ⁴ ¹

Chubb vs The Hartford Tech E&O Insurance Compared

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

Criteria	Chubb DigiTech ERM (Technology Errors & Omissions)	The Hartford FailSafe Technology Errors and Omissions Insurance
Who It’s For	Chubb targets DigiTech ERM at software and system developers, technology-services and consulting firms, and electronics and hardware manufacturers, naming examples such as value-added resellers, system integrators, IT consultants and hardware distributors. ¹Company-reported. DigiTech ERM Target Clients list.	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). ⁴Company-reported. Technology E&O product page as read 2026-09-23.
Coverage Features	Beyond the Cyber ERM base, Chubb says DigiTech ERM adds technology errors and omissions coverage for third-party financial injury from the insured's products or services, a broadened definition of "technology incident," and coverage for software copyright infringement and product-recall loss of use, with no exclusion for delays or failure to deliver. ¹Company-reported. DigiTech ERM Product Features list; subject to the policy as issued.	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	Chubb underwrites technology errors and omissions coverage through DigiTech ERM, a single policy that combines tech E&O with media and cyber exposures rather than selling tech E&O standalone. ¹Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section.	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.