Gallagher vs 
The Hartford: How Do They Compare for Tech E&O Insurance?
The Hartford lists typical cost near $500 to $1,000 per employee a year for FailSafe tech E&O, from its own product suite. Gallagher is a broker placing tech E&O with cyber from outside carriers.
The Hartford writes FailSafe Tech E&O itself, with IP and media liability built in and a typical cost of $500 to $1,000 per employee a year, but sells cyber separately. Gallagher is a broker that shops one combined E&O-and-cyber policy for over 7,500 tech and telecom clients, from startups to global enterprises. 2,1
What Are the Key Differences Between Gallagher and The Hartford Tech E&O Insurance?
One Insurer's Priced Product vs a Broker-Shopped Combined Policy
The Hartford issues FailSafe itself for software and IT specialists, hardware and electronics makers and telecom providers, and says tech E&O typically costs $500 to $1,000 per employee a year. Gallagher places technology E&O with outside insurers and says it works with over 7,500 tech and telecom clients, from startups to global enterprises, but publishes no prices or limits. Choose The Hartford if you're a small tech firm that wants a known insurer and a budget figure; choose Gallagher if you're larger or want a broker comparing several insurers. 1 2
Cyber Bundled at Gallagher, Sold Separately at The Hartford
Gallagher's policy pairs professional-services errors with cyber cover for breaches, ransomware and privacy events. FailSafe lists E&O, security, data privacy and network security, personal injury, IP and media liability, but The Hartford sells cyberattack and data-leak cover as a separate product, so you'd buy two policies. 1 2
What Should You Confirm in Gallagher and The Hartford Tech E&O Insurance Quotes?
- Ask Gallagher which insurer issues the combined policy and whether E&O and cyber share a limit. 1 2
- Check that FailSafe's IP and media parts are on your Hartford quote, and ask Gallagher whether IP is covered. 2 1
- Get limits and retentions from both, and ask whether defense costs reduce the limit. The Hartford says price depends on location, headcount, limits and lawsuit history. 1 2
- Ask Gallagher whether its Drive, Go, Submit and Verify tools come with the placement. 1
Gallagher vs The Hartford Tech E&O Insurance Compared
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 |
|---|---|---|
| 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). 2Company-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. 2Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. 2Company-reported. Technology E&O product page as read 2026-09-23. |
