--- title: "Corgi vs The Hartford: Tech E&O Insurance" description: "Corgi lets startups buy Tech E&O online in minutes, but its standard form excludes IP infringement and data-breach claims unless you add endorsements; The Hartford's FailSafe suite includes IP, media and privacy liability. The Hartford says tech E&O typically costs about $500 to $1,000 per employee a year." canonical: "https://spot.insure/compare/corgi-vs-the-hartford/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "corgi-vs-the-hartford" provider-a: "corgi" 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/corgi-vs-the-hartford/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Corgi 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 Corgi 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:** - Corgi vs The Hartford for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Corgi or The Hartford? - What does Corgi or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Corgi 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:** - [Corgi vs The Hartford](https://spot.insure/compare/corgi-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 - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile # Corgi vs The Hartford: How Do They Compare for Tech E&O Insurance? The Hartford's FailSafe suite pairs errors and omissions with security, privacy, IP and media liability for software, hardware and telecom buyers. Corgi's stand-alone Tech E&O is quoted online instantly and excludes IP and data breach liability by default. Corgi gives startups an instant online Tech E&O quote but excludes IP and data-breach claims unless endorsed; The Hartford's FailSafe suite includes IP, media and privacy liability and typically costs $500 to $1,000 per employee a year. ## Corgi vs The Hartford Tech E&O Insurance Summary Corgi lets startups buy Tech E&O online in minutes, but its standard form excludes IP infringement and data-breach claims unless you add endorsements; The Hartford's FailSafe suite includes IP, media and privacy liability. The Hartford says tech E&O typically costs about $500 to $1,000 per employee a year. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## What Are the Key Differences Between Corgi and The Hartford Tech E&O Insurance? ### Instant Startup Quote vs a Broader Liability Suite Corgi sells Tech E&O through an instant online quote and packages it for startups. The Hartford markets FailSafe to software specialists, hardware manufacturers and telecom providers whose products or services can cause a customer financial loss that ordinary liability policies don't cover. Choose Corgi if you're a startup that wants cover now and can add endorsements; choose The Hartford if you need IP, media and privacy liability included from the start. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### IP and Privacy: Add-On vs Included Corgi's standard policy excludes IP infringement, offering copyright and trademark as add-ons, and excludes data-breach liability on the base form. FailSafe lists errors and omissions, security liability, data privacy and network security liability, personal injury, and intellectual property and media liability, with cyber for attacks and leaks sold separately. If you publish content or handle customer data, Corgi's base policy leaves gaps you'll pay extra to close. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### A Limit Example vs a Price Range Corgi shows illustrative limits of $1 million per claim and $2 million aggregate with a $10,000 retention, but no price. The Hartford gives a typical price of about $500 to $1,000 per employee per year, but no limits. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## What Should You Confirm in Corgi and The Hartford Tech E&O Insurance Quotes? - Ask The Hartford whether FailSafe's IP and media coverage is on your quote. [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Ask Corgi whether the copyright and trademark endorsement is attached, and whether you're on Technology Risk Retention Group or a partner insurer. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") - Multiply The Hartford's per-employee range by your headcount and compare it with Corgi's actual premium. [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") ## Corgi vs The Hartford Tech E&O Insurance Compared | Criteria | Corgi Tech E&O | The Hartford FailSafe Technology Errors and Omissions Insurance | | --- | --- | --- | | Limits and Retentions | Corgi shows illustrative Tech E&O limits of up to $1 million per claim and $2 million aggregate, with a $10,000 self-insured retention per claim, and describes defense costs as included within the limit. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) | 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. [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit..) | | Coverage Features | The policy responds to claims-made "wrongful acts": negligent errors in technology services (e.g., a bad calculation costing a client money), negligent acts such as an outage from a code update, and negligent systems integration or data migration work. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger..)

The standard policy excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data breach liability, and AI-related claims; add-on endorsements can extend coverage to AI/algorithmic liability, copyright and trademark infringement, a contract/SLA carveback, and subcontracted technology services. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting..) | 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. [3](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 | Corgi sells Tech E&O as a standalone instant-quote policy and bundles it into every startup package, starting with the pre-seed and seed tier. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Tech E&O product page and homepage package contents; package composition may change..) | 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. [3](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 Corgi and The Hartford and Tech E&O Insurance - [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/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 Corgi vs The Hartford Tech E&O Insurance - [Corgi vs The Hartford](https://spot.insure/compare/corgi-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. - [Corgi Tech E&O Insurance](https://spot.insure/insurance-providers/corgi/technology-errors-omissions) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) ## Sources for Corgi vs The Hartford Tech E&O Insurance ### Sources About Corgi 1. [Tech E&O Insurance for Startups | Corgi Insurance](https://www.corgi.insure/tech-eo). Corgi Insurance; What's Actually Inside Your Tech E&O Policy (form CORG-EO-0100 / CORG-TECH-0500); Scenario notes; Policy notes; Available Add-ons; Tech E&O Glossary; FAQ including carrier rating question. Accessed 2026-09-23. 2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Explore Our Main Policies: Tech & AI Liability card marked "Instant quote"; Coverage Designed Around Your Startup's Journey package contents listing Tech E&O. Accessed 2026-09-23. ### Sources About The Hartford 3. [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). 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