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

The Hartford's FailSafe tech E&O names buyers from software developers to telecom providers, with typical cost near $500 to $1,000 per employee a year. Coalition's version needs its Active Cyber policy and goes through appointed brokers.

The Hartford sells FailSafe Tech E&O on its own, covering E&O, security, privacy, IP and media liability, and says it typically costs $500 to $1,000 per employee a year. Coalition only sells Tech E&O paired with its Active Cyber policy, through brokers, and publishes no price guide. ^4,¹

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

Standalone FailSafe With a Price Guide vs Tech E&O Tied to Cyber

The Hartford's FailSafe is a separate Tech E&O product for software and IT specialists, hardware makers and telecom providers, kept apart from its cyber policy. It says tech E&O typically costs about $500 to $1,000 per employee a year, so a 10-person firm can budget roughly $5,000 to $10,000. Coalition only sells Tech E&O combined with Active Cyber Insurance, through a consultation or an appointed broker, and publishes no price range. Choose The Hartford if you already have cyber or want a budget number up front; choose Coalition if you want cyber and Tech E&O together from one insurer. ¹ ⁴

IP and Media Built Into FailSafe vs Coalition's Contract Examples

FailSafe lists E&O, security, data privacy and network security, personal injury, IP and media liability. Coalition covers third-party financial loss from errors in your tech products or services, citing software bugs, delivery delays, IP claims over licensed code, implementation errors and missed contract requirements. ⁴ ¹

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

Ask The Hartford whether FailSafe's IP, media and security parts are on your quote, and how they fit with any cyber policy you hold. ⁴
Check that Coalition's quote includes Active Cyber, and ask which insurer is named on the declarations. ¹ ²
The Hartford's per-employee range shifts with location, chosen limits and lawsuit history; ask for your actual premium. Neither publishes standard limits. ⁴

Coalition vs The Hartford Tech E&O Insurance Compared

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

Criteria	Coalition Technology Errors & Omissions Coverage	The Hartford FailSafe 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.	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	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.	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	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.	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.