--- title: "HUB International vs Markel Insurance: Tech E&O Insurance" description: "HUB explains retroactive dates and extended reporting periods for E&O; Markel describes technology service classes without published trigger details." canonical: "https://spot.insure/compare/hub-international-vs-markel/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "hub-international-vs-markel" provider-a: "hub-international" provider-b: "markel" 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/hub-international-vs-markel/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of HUB International and Markel Insurance 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 HUB International versus Markel Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - HUB International vs Markel Insurance for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, HUB International or Markel Insurance? - What does HUB International or Markel Insurance publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Tech E&O Insurance from HUB International or Markel Insurance? **Key facts:** - Line: Tech E&O Insurance. Providers: HUB International and Markel Insurance. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [HUB International vs Markel Insurance](https://spot.insure/compare/hub-international-vs-markel) — parent: all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence) - [HUB International vs Markel Insurance Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-markel/builders-risk) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-markel/cargo-transit) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-markel/commercial-property) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Crime Insurance](https://spot.insure/compare/hub-international-vs-markel/crime) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Cyber Insurance](https://spot.insure/compare/hub-international-vs-markel/cyber) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance D&O Insurance](https://spot.insure/compare/hub-international-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-markel/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/fiduciary) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance General Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/general-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/hub-international-vs-markel/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-markel/inland-marine) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Management Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/management-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/product-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-markel/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Surety Bonds](https://spot.insure/compare/hub-international-vs-markel/surety-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [HUB International vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-markel/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Tech E&O Insurance](https://spot.insure/compare/aig-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-markel/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-markel/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) # HUB International vs Markel Insurance: How Do They Compare for Tech E&O Insurance? HUB explains retroactive dates and extended reporting periods for E&O; Markel describes technology service classes without published trigger details. ## How to Use the HUB International vs Markel Insurance Tech E&O Insurance Comparison Use this comparison to evaluate HUB International and Markel Insurance for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## HUB International vs Markel Insurance Tech E&O Insurance Summary HUB brokers E&O for technology businesses and describes prior-acts coverage and extended reporting periods as policy options. Markel names software/SaaS, hardware, and consulting businesses for Tech E&O but its offering summary does not specify a claims trigger. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [7](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") ## What Is HUB International? HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## Markel Insurance: Specialty Business and Products Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [5](https://www.markel.com/about-us "About us") [6](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [Markel Insurance profile](https://spot.insure/insurance-providers/markel) ## What Is Technology Errors and Omissions (E&O) Insurance? Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [10](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [11](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [12](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [13](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [14](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies") ## What Are the Key Differences Between HUB International and Markel Insurance Tech E&O Insurance? ### Prior Acts and Extended Reporting HUB says its E&O placements can include prior-acts coverage back to a retroactive date and an extended reporting period, or tail, after coverage ends. Markel describes professional liability for technology services but does not specify claims-made, retroactive-date, or tail terms in its reviewed offering. For a company changing brokers or policies, these dates determine whether past work and later-reported claims fit; request both forms and compare the dates in writing. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [7](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") ### Technology Company Focus HUB's technology practice addresses startups and established software, hardware, and digital-media businesses and reports serving more than 5,000 technology companies. Markel lists IT businesses including software/SaaS, hardware, and consultants. These audiences overlap; ask each broker or insurer how your specific platform, customer contracts, and revenue fit rather than relying on a broad technology label. [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [7](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") ### Customized E&O and Buying Route HUB says it customizes E&O by business size, industry, location, risk base, and desired limits, and directs prospects to connect with a broker. Markel asks buyers or brokers to contact its team. Neither reviewed claim establishes a self-service quote path, so provide the same scope and desired limits to both and ask who will negotiate terms with the carrier. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [7](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") ## What Should You Confirm in HUB International and Markel Insurance Tech E&O Insurance Quotes? - Ask HUB which retroactive date and tail period are available, and whether prior acts cover work under your previous policy. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") - Ask Markel for the claims trigger, retroactive date, and tail options in its Tech E&O form. [7](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") ## HUB International vs Markel Insurance Tech E&O Insurance Compared | Criteria | HUB International Technology Errors and Omissions Insurance | Markel technology errors omissions (official overview) | | --- | --- | --- | | Role in This Line | HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer..) | Markel describes offering technology errors omissions for the audience stated on the cited product page. [7](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Issuing Insurer | Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23; no carrier is disclosed on either..) | Confirm in your quote. | | Who It’s For | HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program..) | IT and technology service businesses, including software/SaaS, hardware businesses, and consultants listed by Markel. [7](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Coverage Features | HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry..) | The cited product page describes professional liability for broadly defined technology services, including software/SaaS, hardware, and consulting examples. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Limits and Retentions | HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Not publicly disclosed; scope: E&O product-page structure description; specific limits are set on the quote and declarations..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [7](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | | How to Apply | HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. [7](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | ## Related Pages for HUB International vs Markel Insurance Tech E&O - [HUB International vs Markel Insurance](https://spot.insure/compare/hub-international-vs-markel): 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. - [HUB International vs Markel Insurance Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-markel/builders-risk) - [HUB International vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-markel/cargo-transit) - [HUB International vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-markel/commercial-property) - [HUB International vs Markel Insurance Crime Insurance](https://spot.insure/compare/hub-international-vs-markel/crime) - [HUB International vs Markel Insurance Cyber Insurance](https://spot.insure/compare/hub-international-vs-markel/cyber) - [HUB International vs Markel Insurance D&O Insurance](https://spot.insure/compare/hub-international-vs-markel/directors-officers) - [HUB International vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/employment-practices) - [HUB International vs Markel Insurance Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-markel/equipment-breakdown) - [HUB International vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/fiduciary) - [HUB International vs Markel Insurance General Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/general-liability) - [HUB International vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/hub-international-vs-markel/hired-non-owned-auto) - [HUB International vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-markel/inland-marine) - [HUB International vs Markel Insurance Management Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/management-liability) - [HUB International vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/product-liability) - [HUB International vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-markel/professional-errors-omissions) - [HUB International vs Markel Insurance Surety Bonds](https://spot.insure/compare/hub-international-vs-markel/surety-bonds) - [HUB International vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-markel/umbrella-excess) - [HUB International vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-markel/workers-compensation) - [AIG vs HUB International Tech E&O Insurance](https://spot.insure/compare/aig-vs-hub-international/technology-errors-omissions) - [AIG vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-markel/technology-errors-omissions) - [Alliance Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/technology-errors-omissions) - [Alliance Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-markel/technology-errors-omissions) - [Amelia Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/technology-errors-omissions) - [Amelia Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/technology-errors-omissions) ## Sources for HUB International vs Markel Insurance Tech E&O Insurance ### Sources About HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim. Accessed 2026-09-23. 4. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps. Accessed 2026-09-23. ### Sources About Markel Insurance 5. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28. 6. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28. 7. [IT Professionals E&O Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals). Markel; Who is this for; software/SaaS, hardware, consultants; professional liability and cyber sections.. Accessed 2026-09-30. ### Sources for the Tech E&O Insurance Guide 8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16. 9. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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. 10. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16. 11. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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. 12. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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. 13. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16. 14. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16. Updated 2026-09-30. 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. ## HUB International Review Scores for 2026 Review Score: 5.6 / 10 from 2 rated sources, equally weighted. Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-. - BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202) - BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews) - BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews). ## Markel Insurance Review Scores for 2026 Review Score: 7.5 / 10 from 2 rated sources, equally weighted. There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years. - J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf) - Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com) - BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) - BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-markel/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)