--- title: "Coalition vs The Hartford: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/coalition-vs-the-hartford/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "coalition-vs-the-hartford" provider-a: "coalition" provider-b: "the-hartford" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/coalition-vs-the-hartford/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Coalition and The Hartford for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Coalition versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Coalition vs The Hartford for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Coalition or The Hartford? - What does Coalition or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Coalition and The Hartford. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29. **Related pages:** - [Coalition vs The Hartford](https://spot.insure/compare/coalition-vs-the-hartford) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile # 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 and says it typically costs $500 to $1,000 per employee a year; Coalition only sells Tech E&O with its Active Cyber policy. ## Coalition vs The Hartford Tech E&O Insurance Summary 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") ## 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](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") ## 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Check that Coalition's quote includes Active Cyber, and ask which insurer is named on the declarations. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") - The Hartford's per-employee range shifts with location, chosen limits and lawsuit history; ask for your actual premium. Neither publishes standard limits. [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## Coalition vs The Hartford Tech E&O Insurance Compared | 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. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: 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). [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page as read 2026-09-23..) | ## About Coalition and The Hartford and Tech E&O Insurance - [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews) - [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Coalition vs The Hartford Tech E&O Insurance - [Coalition vs The Hartford](https://spot.insure/compare/coalition-vs-the-hartford): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Coalition Tech E&O Insurance](https://spot.insure/insurance-providers/coalition/technology-errors-omissions) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) ## Sources for Coalition vs The Hartford Tech E&O Insurance ### Sources About Coalition 1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). 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. 2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). 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. 3. [Coalition Control](https://www.coalitioninc.com/control). Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23. ### Sources About The Hartford 4. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/coalition-vs-the-hartford/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)