HUB International vs 
Marsh Tech E&O Insurance
HUB places tech E&O through a general E&O and technology practice; Marsh flags off-the-shelf tech E&O gaps for data-center programs.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 1,2,3
What Is Marsh?
Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. 5,6,7,8
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. 11,12,13
Key Differences in Tech E&O Insurance
Two Broker Practices, Different Emphasis
HUB and Marsh both broker technology E&O rather than underwrite it, and neither reviewed source names the issuing carrier. HUB places the line through its general errors-and-omissions practice, which lists technology among several professions, and through a dedicated technology-industry practice. Marsh treats technology E&O as a financial and professional liability specialty and also as a building block inside data-center insurance programs. 4 3 10 9
Standard E&O Terms Versus Data-Center Gaps
HUB’s general E&O page describes typical coverage for defense, judgments, settlements and fines from alleged misrepresentation, breach of professional services, wrongful practices and misleading advice, and notes that policies can include prior-acts coverage to a retroactive date and tail coverage for an extended reporting period. Marsh’s data-center page says off-the-shelf technology E&O was not built for the scale, density and aggregation of modern data centers and that Marsh designs programs that combine technology E&O with property, casualty and other lines. 4 9
Who Each Practice Names
HUB’s technology page addresses fast-growing startups and established software, hardware or digital-media businesses and states that HUB currently insures more than 5,000 technology companies. Marsh names technology among specialized industries its professional-liability experts serve, alongside banking, insurance and asset management, media and healthcare, without a published technology-client count on the reviewed pages. 3 10
How You Engage
HUB directs prospects to a broker and describes policies as customized to size, industry, location, risk and desired limits, without an online quote flow. Marsh’s reviewed professional-liability and data-center pages do not describe a self-service application path for this line. 4 10 9
What to Confirm in Tech E&O Insurance Quotes
- Get the issuing insurer from both HUB and Marsh; neither reviewed page names it. 4 10
- If you operate a data center, ask Marsh how technology E&O is combined with property and casualty, and ask HUB whether the placement is a standalone E&O form or part of a broader technology program. 9 3
- Confirm prior-acts and tail options on the HUB quote; Marsh’s reviewed pages do not describe those structures for this line. 4 10
- HUB says policies typically have per-claim and aggregate limits but does not publish amounts; obtain limits and retentions from both brokers. 4 9
Offering Details
HUB International vs Marsh Tech E&O Insurance: documented features by provider
| Criteria | HUB International Technology Errors and Omissions Insurance | Marsh Technology Errors and Omissions Insurance |
|---|---|---|
| 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. 4,3Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer. | Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. 10,9Company-reported. Marsh professional liability page and data-center insurance page. |
| 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. 4,3Not found in reviewed sources. Checked both pages on 2026-09-23; no carrier is disclosed on either. | The reviewed pages do not name a specific technology E&O insurer. 10,9Not publicly disclosed. Marsh professional liability and data-center insurance pages as read on 2026-09-23. |
| 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. 3Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program. | Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. 10Company-reported. Marsh professional liability page, What We Offer section. |
| 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. 4Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry. | Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. 9Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product. |
| 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. 4Not publicly disclosed. E&O product-page structure description; specific limits are set on the quote and declarations. | Not described in the reviewed sources. |
| 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. 4Company-reported. Product-page call to action as read 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More HUB International vs Marsh Comparisons
Other Tech E&O Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Errors and Omissions (E&O) Insurance Coverage. 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.
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Data center insurance and risk management. Marsh; Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers. Accessed 2026-09-23.
- Professional liability. Marsh; What We Offer: specialized industries served, including Technology. 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.
