Gallagher vs 
The Hartford Tech E&O Insurance
Gallagher places combined tech E&O and cyber with outside carriers; The Hartford underwrites FailSafe with a published per-employee premium range.
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 1,2,3,4,5
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. 6,7,8
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. 10,11,12
Key Differences in Tech E&O Insurance
Who Issues the Policy
Gallagher’s Technology practice places technology E&O with outside carriers and does not underwrite it, while The Hartford issues FailSafe as its own technology liability product. Gallagher’s reviewed technology page does not name the carrier that would write your form; The Hartford is the insurer on FailSafe. 1 9
How E&O Relates to Cyber
Gallagher markets technology E&O as one policy that pairs professional-services errors with cyber liability for events such as data breaches, ransomware and privacy violations. The Hartford lists FailSafe features that include errors and omissions, security, data privacy and network security, personal injury, intellectual property and media liability, and it treats cyberattacks and data leaks as a separate cyber product rather than as part of FailSafe. 1 9
Who Each Offering Is Built For
Gallagher says it works with technology and telecommunications clients from startups through global enterprises and reports more than 7,500 such clients. The Hartford names buyer types: software and IT specialists, hardware and electronics manufacturers, and telecommunications providers such as carriers, internet service firms and hosts. 1 9
Published Cost Versus Unpublished Limits
The Hartford states that E&O for technology businesses typically costs about $500 to $1,000 per year per employee, without publishing standard limits. Gallagher’s technology page does not publish limits, retentions or premium ranges for this line. 9 1
What to Confirm in Tech E&O Insurance Quotes
- Ask Gallagher which carrier would issue the combined E&O and cyber form and whether cyber is on the same policy as FailSafe-style professional-liability agreements. 1 9
- Compare FailSafe’s listed intellectual-property and media agreements with Gallagher’s marketed combination; neither reviewed page is a policy form. 9 1
- Get limits, retentions and whether defense costs erode the limit; Gallagher does not publish them, and The Hartford says limits depend on location, headcount and lawsuit history. 1 9
- If you use Gallagher’s digital suite (Drive, Go, STEP, Submit, Verify), confirm whether those tools come with this placement; The Hartford’s reviewed page does not describe a comparable client portal for FailSafe. 1 9
Offering Details
Gallagher vs The Hartford Tech E&O Insurance: documented features by provider
| Criteria | Gallagher Technology Errors and Omissions (Tech E&O) Insurance | The Hartford FailSafe Technology Errors and Omissions Insurance |
|---|---|---|
| Role in This Line | Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. 1Company-reported. Group-level technology industry practice page. | 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. 9Company-reported. Technology E&O product page as read 2026-09-23. |
| Issuing Insurer | The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. 1Not publicly disclosed. Checked the group-level technology industry practice page. | Not described in the reviewed sources. |
| Who It’s For | Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. 1Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified. | 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). 9Company-reported. Technology E&O product page as read 2026-09-23. |
| Coverage Features | Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. 1Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions. | 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. 9Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Limits and Retentions | The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. 1Not publicly disclosed. Checked the group-level technology industry practice page. | 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. 9Company-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 | Gallagher offers technology clients a digital suite including Gallagher Drive for data-driven risk analytics, Gallagher Go as a client self-service portal, Gallagher STEP for online safety training, Gallagher Submit for insurance-submission tracking, and Gallagher Verify for certificate management. 1Company-reported. Group-level technology industry practice page; not confirmed as included with every tech E&O placement. Gallagher says its Technology insurance practice includes more than 250 dedicated professionals and points to named team leaders reachable at Rolling Meadows, Illinois phone numbers. 1Company-reported. Group-level technology industry practice page. | Not described in the reviewed sources. |
Full Comparison
More Gallagher vs The Hartford Comparisons
Other Tech E&O Insurance Comparisons
Sources
Gallagher
- Technology Insurance for the Tech Industry. Gallagher; Solutions and coverages for the technology industry: Technology errors and omissions, including cyber liability; 250+ dedicated professionals, 7,500+ technology and telecommunications clients, $1B+ in annual premium; digital suite (Gallagher Drive, Go, STEP, Submit, Verify); Meet the Technology Insurance leaders. Accessed 2026-09-23.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
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.
