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

The Hartford puts typical cost near $500 to $1,000 per employee a year and publishes no standard limits. Embroker advertises limits up to $5 million for most insuring agreements, in a blended Tech E&O and cyber policy.

Embroker puts Tech E&O and cyber on one blended policy for private tech companies under $300 million in revenue, with limits up to $5 million. The Hartford's FailSafe is standalone Tech E&O with IP and media liability, for software, hardware, telecom and federal IT firms, and publishes a typical cost of $500 to $1,000 per employee. ^1,^2,³

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

One Blended Policy vs E&O Separate From Cyber

Embroker sells Tech E&O and cyber as one blended policy, listing data breaches and cyber theft alongside professional negligence. The Hartford underwrites FailSafe as its technology E&O product, covering errors and omissions, security and privacy liability, personal injury, IP and media liability, and sells cyber for attacks and data leaks separately. Choose Embroker if you want one policy for both; choose The Hartford if you want IP and media liability spelled out on your E&O or already carry cyber elsewhere. ¹ ³

Private Tech Under $300 Million vs Hardware, Telecom and Federal IT

Embroker Access targets private technology companies under $300 million in revenue, including fintech, AI, digital health, HR tech and SaaS, requires multifactor authentication above $5 million, and excludes crypto, blockchain and cannabis. The Hartford names software and IT specialists, including federal IT contractors, hardware and electronics makers, and telecom providers, with no revenue cap. ² ³

$5 Million Published Limits vs Published Typical Cost

Embroker's broker program advertises limits up to $5 million with named sublimits, and its excess can't sit above an Embroker primary. The Hartford says technology businesses typically pay about $500 to $1,000 per employee per year for E&O but publishes no standard limits. Embroker tells you the ceiling; The Hartford helps you budget. ² ¹ ³

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

Decide between FailSafe plus Hartford cyber or Embroker's single policy, and ask how security and privacy cover overlaps. ³ ¹
Ask Embroker to reconcile its conflicting IP descriptions, and compare with FailSafe's listed IP and media cover. ¹ ² ³
Compare Embroker's $5 million limits with the limit The Hartford quotes, and ask Embroker which insurer issues its policy. ² ³
If you're a federal IT, hardware or telecom firm, confirm eligibility with each. ³ ²

Embroker vs The Hartford Tech E&O Insurance Compared

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

Criteria	Embroker Technology Errors and Omissions / Cyber Insurance	The Hartford FailSafe Technology Errors and Omissions Insurance
Limits and Retentions	Embroker's broker program advertises limits up to $5 million for most insuring agreements, with sub-limits of $1 million for reputational harm and telecommunications fraud, and $500,000 for social engineering, funds transfer fraud and bricking (which includes a $100,000 betterment sub-limit). ²Company-reported. Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page. Embroker offers excess Tech E&O/Cyber coverage above a primary policy, but its excess product cannot sit above an Embroker primary policy — buyers need an underlying Tech E&O or Tech E&O + Cyber policy from a different carrier before applying for excess. ¹Company-reported. Retail 'What is excess Tech E&O / Cyber Insurance?' and 'How to apply' sections; a related excess-specific offering exists for management-liability but is treated separately here.	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. ³Company-reported. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit.
Who It’s For	Embroker's broker program targets private, for-profit technology companies (including fintech, AI, digital health, HR tech and SaaS) with under $300 million in revenue, requires multifactor authentication for accounts above $5 million in revenue, and excludes businesses involved in crypto, blockchain or cannabis. ²Company-reported. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite.	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). ³Company-reported. Technology E&O product page as read 2026-09-23.
Coverage Features	Embroker lists coverage for cyber liability (data breaches, cyber theft, cyber vandalism), professional negligence from product or tech errors, software or hardware defects, breach of contract, and losses from a delayed product launch. ¹Company-reported. Retail product-page What's covered section; the issued policy and declarations control.	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. ³Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	Embroker sells Tech E&O/Cyber as a single blended policy directly to technology companies and also distributes it through appointed brokers via its Embroker Access broker portal. ^1,²Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer.	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. ³Company-reported. Technology E&O product page as read 2026-09-23.