Coalition vs HUB International: How Do They Compare for Tech E&O Insurance?

HUB International directs you to a broker and customizes policies to your size, industry and limits, with no online quote flow described. Coalition's Tech E&O comes only with its Active Cyber policy, via a consultation or an appointed broker.

Coalition sells Tech E&O only together with its Active Cyber policy, through appointed brokers; HUB is a broker that places technology E&O on its own through a dedicated technology practice and can arrange prior-acts cover and an extended reporting tail when you switch insurers. ^1,^4,⁵

What Are the Key Differences Between Coalition and HUB International Tech E&O Insurance?

E&O Tied to Cyber vs Standalone Placement

Coalition sells Tech E&O only as a companion to Active Cyber Insurance, through appointed brokers. HUB International brokers technology E&O through both its general E&O practice and a dedicated technology program, with no requirement to buy a particular cyber policy. Choose Coalition if you want E&O and cyber from one insurer with one claims team; choose HUB if you already have cyber you like or are switching E&O insurers and need your prior work kept covered. ¹ ⁴ ⁵

Tech-Specific Triggers vs Prior-Acts and Tail Options

Coalition lists the tech failures it covers: bugs, delivery delays, IP claims over licensed code, IT implementation errors and missed contract requirements. HUB’s E&O page is general, covering defense, judgments, settlements and fines from misrepresentation, breach of professional services and misleading advice, and says forms can include prior-acts cover back to a retroactive date plus a tail for claims reported after the policy ends. Those continuity terms matter when you change insurers or wind down a product. ¹ ⁴

Broker Consultation on Both Sides

Neither sells online. Coalition asks you to book a consultation or go through an appointed broker. HUB sends you to a broker and customizes by size, industry, location, risk and desired limits. ¹ ⁴

What Should You Confirm in Coalition and HUB International Tech E&O Insurance Quotes?

Ask both which insurer issues the policy; neither names one. ² ⁴
Ask HUB whether prior-acts and tail wording is on your form, and Coalition how far back it covers past work. ⁴ ¹
Confirm Coalition binds the cyber and E&O together on your quote. ¹
Get per-claim and aggregate limits from HUB. ⁴

Coalition vs HUB International Tech E&O Insurance Compared

Coalition vs HUB International: Tech E&O Insurance: documented features by provider

Criteria	Coalition Technology Errors & Omissions Coverage	HUB International Technology Errors and Omissions Insurance
Who It’s For	Coalition markets Tech E&O to any organization that provides a technology product or service in exchange for a fee, citing exposures such as software downtime and failures in technology services or products. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. ⁵Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.
How to Apply	Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ⁴Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. ¹Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.	HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ⁴Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.
Role in This Line	Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^4,⁵Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.