Coalition vs Marsh Tech E&O Insurance

Coalition pairs Tech E&O with its cyber product; Marsh treats the line as a professional-liability specialty and a data-center building block.

What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. ^1,^2,^3,⁴

Read the Coalition profile

What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. ^7,^8,^9,¹⁰

Read the Marsh profile

What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^13,^14,¹⁵

Read the full coverage guide

Key Differences in Tech E&O Insurance

Program Role

Coalition designs and distributes Tech E&O that must combine with Active Cyber Insurance and is sold through appointed brokers. Marsh treats technology E&O as one of its financial and professional liability specialties and also names it as a building block inside data-center insurance programs, placing coverage rather than issuing Coalition’s combined form. ¹ ¹² ¹¹

Data-Center Scale Versus a Standard Tech Fee Model

Coalition’s reviewed page speaks to any organization that sells a technology product or service for a fee, with examples such as downtime and failed technology services. Marsh’s data-center page says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps, so it designs programs that combine technology E&O with property, casualty and other lines. ¹ ¹¹

Service Overlay

Coalition says the same Control platform used on cyber policies is included with Tech E&O, plus one in-house claims team for both lines. Marsh’s reviewed professional-liability and data-center pages do not describe an equivalent monitoring platform attached to every technology E&O placement. ⁶ ¹ ¹²

What to Confirm in Tech E&O Insurance Quotes

Ask Marsh whether your placement is a standalone professional-liability form or part of a data-center tower with property and casualty. ¹¹
Confirm Coalition will not bind Tech E&O without Active Cyber Insurance. ¹
Get both issuing insurers in writing; neither Coalition’s Tech E&O disclaimer section nor Marsh’s reviewed pages name the carrier. ⁵ ¹²
If you operate a data center, ask Marsh which gaps in a standard Tech E&O form the program is meant to close. ¹¹

Offering Details

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

Criteria	Coalition Technology Errors & Omissions Coverage	Marsh Technology Errors and Omissions Insurance
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.	Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. ^12,¹¹Company-reported. Marsh professional liability page and data-center insurance page.
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.	The reviewed pages do not name a specific technology E&O insurer. ^12,¹¹Not publicly disclosed. Marsh professional liability and data-center insurance pages as read on 2026-09-23.
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.	Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. ¹²Company-reported. Marsh professional liability page, What We Offer section.
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.	Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. ¹¹Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product.
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. ^1,⁶Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23.	Not described in the reviewed sources.
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.	Not described in the reviewed sources.
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. ¹Company-reported. Tech E&O product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.	Not described in the reviewed sources.

Full Comparison

More Coalition vs Marsh Comparisons

Other Tech E&O Insurance Comparisons

Sources

Coalition

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.
U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
Executive Risks. Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. 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.
Coalition Control. Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.

Marsh

Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
Data center insurance and risk management. Marsh; Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers. Accessed 2026-09-23.
Professional liability. Marsh; What We Offer: specialized industries served, including Technology. Accessed 2026-09-23.

Tech E&O Insurance Guide

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.
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.