HUB International vs StartupInsurance.ai Tech E&O Insurance

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.

StartupInsurance.ai's coverage list places "Tech E&O and Professional Liability" as one program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. ^7,8Company-reported. Homepage coverage list and ContractorNerd's terms and conditions on its producer role; the page bundles tech E&O with professional liability in this one catalogue entry rather than describing them separately.

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 homepage's carrier panel does not identify which panel carrier underwrites tech E&O placements; the reviewed pages do not disclose a specific insurer for this line. ⁷Not publicly disclosed. Homepage carrier panel; the panel is program-wide, not broken out by coverage line.

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.

Not described in the reviewed sources.

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.

StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. ⁷Company-reported. Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy.

StartupInsurance.ai says one major carrier added a blanket AI exclusion to "D&O, E&O and fiduciary" forms at renewal; the page does not specify whether "E&O" here means technology E&O, professional E&O, or both. ⁷Company-reported. Homepage "wording that still says yes" section; the E&O reference is ambiguous between the two E&O lines the program sells, so this claim is not conclusively tech-E&O-specific.

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.

Not described in the reviewed sources.

StartupInsurance.ai's free policy check reads a startup's customer contracts against its tech E&O wording, flagging places where the contract promises something (like an accuracy warranty) the policy doesn't cover. ⁷Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy.

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.

"Tech Errors & Omissions" is one of seven boxes on StartupInsurance.ai's online quote-intake screen, described there as coverage for "claims from your tech products or services failing." The same screen shows no separate box for general professional liability. ⁶Company-reported. Initial coverage-selection screen of the quote application; the absence of a distinct professional-liability box shows how the flow packages this line, not that professional liability is unavailable.