---
title: "Gallagher vs The Hartford: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/gallagher-vs-the-hartford/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-the-hartford"
provider-a: "gallagher"
provider-b: "the-hartford"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-the-hartford/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Gallagher 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 Gallagher 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:**
- Gallagher vs The Hartford for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Gallagher or The Hartford?
- What does Gallagher or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Gallagher 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 2026-09-25.

**Related pages:**
- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-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
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 cover and says it typically costs $500 to $1,000 per employee a year; Gallagher shops a combined E&O-and-cyber policy for tech and telecom companies of any size.

## Gallagher vs The Hartford Tech E&O Insurance Summary

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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")

### 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")
- Check that FailSafe's IP and media parts are on your Hartford quote, and ask Gallagher whether IP is covered. [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")
- Ask Gallagher whether its Drive, Go, Submit and Verify tools come with the placement. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## Gallagher vs The Hartford Tech E&O Insurance Compared

| 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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). [2](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 | 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [2](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 | Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [2](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 Gallagher and The Hartford and Tech E&O Insurance

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/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 Gallagher vs The Hartford Tech E&O Insurance

- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-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.
- [Gallagher Tech E&O Insurance](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions)
- [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions)

## Sources for Gallagher vs The Hartford Tech E&O Insurance

### Sources About Gallagher

1. [Technology Insurance for the Tech Industry](https://www.ajg.com/industries/technology-insurance/). 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.

### Sources About The Hartford

2. [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 2026-09-25. 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.

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