Coalition vs TechInsurance Tech E&O Insurance

Coalition sells Tech E&O only with Active Cyber; TechInsurance sells an E&O policy plus a separate cyber policy as a bundle.

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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. ^7,⁸

Read the TechInsurance 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. ^10,^11,¹²

Read the full coverage guide

Key Differences in Tech E&O Insurance

How Tech E&O Is Packaged With Cyber

Coalition designs Tech E&O that only combines with Active Cyber Insurance and sells it through appointed brokers, not as a stand-alone policy. TechInsurance also packages the line with cyber, but it describes two policies: an errors-and-omissions policy plus a cyber liability policy built for IT and technology companies. You are comparing a required Coalition pairing with a two-policy TechInsurance bundle. ¹ ⁹

Intellectual Property on the E&O Layer

Coalition lists IP claims over licensed code among the Tech E&O causes it says the coverage addresses. TechInsurance says the standard tech E&O bundle does not automatically include intellectual property or copyright disputes and that this coverage usually must be added. Compare the issued forms for IP rather than treating Coalition’s licensed-code example as the same as TechInsurance’s unendorsed bundle. ¹ ⁹

Published Premium Figures

TechInsurance reports a company-reported median of $67 per month (about $807 a year) for tech E&O policyholders, with premium varying by profession risk, limits, personal data handled and claims history. Coalition’s reviewed Tech E&O pages do not publish a premium median or a rate range. Treat TechInsurance’s figure as a book statistic, then compare it with Coalition’s quoted premium once Active Cyber Insurance is included. ⁹ ¹

What to Confirm in Tech E&O Insurance Quotes

Ask TechInsurance whether IP or copyright coverage is endorsed onto the bundle. ⁹
Ask Coalition how licensed-code IP claims are treated on the issued form. ¹
Get both issuing insurers; Coalition’s disclaimer does not name a Tech E&O carrier, and TechInsurance’s reviewed page does not name one either. ⁵ ⁹
Confirm Coalition’s quote includes Active Cyber Insurance as required. ¹

Offering Details

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

Criteria	Coalition Technology Errors & Omissions Coverage	TechInsurance Technology Errors and Omissions (Tech E&O) 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.	TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ⁹Company-reported. Tech E&O product 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 page does not name the issuing insurer for a tech E&O policy. ⁹Not publicly disclosed. Tech E&O product page 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.	TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ⁹Company-reported. Tech E&O product page, Technology professionals we insure 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.	TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ⁹Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ⁹Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.
Limits and Retentions	Not described in the reviewed sources.	TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. ⁹Company-reported. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
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 TechInsurance 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.

TechInsurance

About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
Technology Errors and Omissions - Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. 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.