Coalition vs The Hartford Tech E&O Insurance

Coalition markets Tech E&O only with Active Cyber; The Hartford lists FailSafe features including IP, media and security liability.

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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. ^7,^8,⁹

Read the The Hartford 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. ^11,^12,¹³

Read the full coverage guide

Key Differences in Tech E&O Insurance

Required Cyber Pairing Versus a Distinct FailSafe Product

Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs buyers to a consultation or an appointed broker. The Hartford presents FailSafe as its technology E&O product for companies whose products or services can cause a customer’s pure financial loss, and it distinguishes FailSafe from its separate cyber liability coverage for attacks and data leaks. Coalition’s reviewed pages do not offer Tech E&O without that cyber pairing; FailSafe is described as a separate E&O suite. ¹ ¹⁰

What Each Coverage Description Includes

The Hartford lists FailSafe features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability and media liability. Coalition says Tech E&O covers third-party financial losses from errors, omissions or negligence in technology products or services, with examples including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors and failure to meet contract requirements. Those lists are marketing descriptions; the issued policies control. ¹⁰ ¹

Cost Language Each Company Publishes

The Hartford says E&O coverage for technology businesses typically costs about $500 to $1,000 per year per employee, and that the page does not publish standard coverage limits. Coalition’s reviewed Tech E&O pages do not publish a per-employee cost range or a limit schedule. Compare actual quoted premium and limits rather than treating The Hartford’s range as Coalition’s price. ¹⁰ ¹

What to Confirm in Tech E&O Insurance Quotes

Ask The Hartford whether FailSafe IP, media and security liability appear on the specimen, and how they interact with a separate cyber policy. ¹⁰
Confirm Coalition’s quote includes Active Cyber Insurance, and ask for the issuing insurer named on the declarations. ¹ ⁵
Recalculate The Hartford’s per-employee range against headcount, location, chosen limits and lawsuit history as its page describes. ¹⁰
Compare The Hartford’s named buyer types (software and IT specialists, hardware manufacturers, telecommunications providers) with Coalition’s fee-for-service eligibility language. ¹⁰ ¹

Offering Details

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
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. ¹⁰Company-reported. Technology E&O product page as read 2026-09-23.
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.	Not described in the reviewed sources.
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). ¹⁰Company-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. ¹⁰Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.
Limits and Retentions	Not described in the reviewed sources.	The Hartford says E&O coverage for technology businesses typically costs about $500 to $1,000 per year per employee; the page does not publish standard coverage limits, which depend on location, employee count, coverage limits chosen and lawsuit history. ¹⁰Company-reported. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit.
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 The Hartford 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.

The Hartford

Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
Technology Errors and Omissions Insurance | Technology E&O. The Hartford; What Is Technology Errors and Omissions Insurance?; How Does Technology Errors and Omissions Insurance Work; Technology Errors and Omissions Insurance Coverage feature list; Technology Errors and Omissions Insurance Cost; Types of Companies That Need Tech E&O Insurance. 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.