What Is Coalition Insurance?
Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. 1,2,3,4
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 6,7
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. 9,10,11,12,13,14,15
Key Differences in Tech E&O Insurance
Coalition requires its cyber policy alongside Tech E&O
Coalition says Tech E&O is available only combined with Active Cyber, not as a standalone policy, and directs buyers to a consultation or appointed broker. Liberty Mutual describes Liberty Tech Resolution as a blended cyber and Tech E&O solution. For either route, ask how the cyber and E&O limits are separated and whether you can tailor each part to your contracts. 2 8
Coalition names covered technology failures
Coalition says its Tech E&O covers third-party financial loss from software bugs, delivery delays, licensed-code IP claims, implementation errors, and contract failures. Liberty Mutual describes a blended solution for technology-company exposures but does not enumerate covered scenarios in the reviewed claim. Match Coalition's examples and Liberty Mutual's wording to your client indemnities and service commitments. 2 8
Coalition specifies services and claims handling
Coalition says policyholders get Control monitoring at no extra cost and that one in-house claims team handles cyber and Tech E&O claims. Liberty Mutual's reviewed description does not list comparable monitoring or claims arrangements. Ask Liberty Mutual what risk services come with its product and who coordinates a claim involving both cyber and professional services. 1 8
What to Confirm in Tech E&O Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Coalition
Review Score
1 rated source
Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.[10][14][13]
Read Coalition reviewsLiberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsOffering Details
Coalition vs Liberty Mutual: Tech E&O Insurance: documented features by provider
| Criteria | Coalition Technology Errors & Omissions Coverage | Liberty Tech Resolution |
|---|---|---|
| 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. 2Company-reported. Tech E&O product page as read on 2026-09-23. | Liberty Mutual lists Liberty Tech Resolution as a cyber and technology errors-and-omissions product. 8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Issuing Insurer | Coalition's disclaimer page lists Non-Admitted Cyber, Admitted Cyber, and Admitted Executive Risk sections naming specific carriers, but has no equivalent 'Admitted Tech E&O' section, indicating Tech E&O is placed on a non-admitted (surplus lines) basis with unaffiliated insurers that the disclaimer does not name. 5Not publicly disclosed. U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer for a given policy. | Confirm in your quote. |
| 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. 2Company-reported. Tech E&O product page as read on 2026-09-23. | The commercial cyber page directs business buyers to a broker or agent. 8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| 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. 2Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage. | The company describes a blended cyber and Tech E&O solution for technology-company exposures. 8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Risk Services | Coalition says Tech E&O policyholders get access to Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring, and zero-day alerts, the same platform provided to cyber policyholders. 2,1Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23. | Confirm in your quote. |
| 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. 2Company-reported. Tech E&O product page as read on 2026-09-23. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. 8Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. |
| Claims Support | Coalition says the same in-house claims team handles both Tech E&O and cyber claims in one place, which it describes as a faster, more integrated resolution process. 2Company-reported. Tech E&O product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified. | Confirm in your quote. |
Full Comparison
More Coalition vs Liberty Mutual Comparisons
Other Tech E&O Insurance Comparisons
Sources
Coalition
- Coalition Control. Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.
- Tech E&O Insurance Coverage. Coalition; Who's It For?; Coalition Advantage: comprehensive protection, compounded benefits through cyber coverage, streamlined claims handling, Coalition Control; Tech E&O Claims: causes list. Accessed 2026-09-23.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted Tech E&O' section appears on the page. Accessed 2026-09-23.
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Cyber Insurance. Liberty Mutual Business Insurance; Products section names Liberty Cyber Resolution (first- and third-party cyber) and Liberty Tech Resolution (cyber plus technology E&O); eligibility/placement is broker or agent distributed; page describes risk-engineering and incident-response resources as company-reported services. Accessed 2026-09-29.
Tech E&O Insurance Guide
- Glossary of 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.
- Insurance and Bonding Guidelines. 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.
- Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). 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.
- Technology Errors and Omissions Insurance. 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.
- DigiTech Enterprise Risk Management. 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.
- Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. 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.
- Cyber Risk for Technology Companies. 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.
