---
title: "HUB International vs StartupInsurance.ai Tech E&O Insurance"
description: "HUB customizes tech E&O via a broker; StartupInsurance.ai reads customer contracts against the form for accuracy warranties and uptime promises."
canonical: "https://spot.insure/compare/hub-international-vs-startupinsurance/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/hub-international-vs-startupinsurance/technology-errors-omissions)

# HUB International vs StartupInsurance.ai Tech E&O Insurance

HUB customizes tech E&O via a broker; StartupInsurance.ai reads customer contracts against the form for accuracy warranties and uptime promises.

## Research Scope and Use

Use this comparison to evaluate HUB International and StartupInsurance.ai 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.

## Summary

HUB places technology E&O as brokered, claims-made coverage without an online quote. StartupInsurance.ai, through ContractorNerd as agent of record, includes Tech Errors & Omissions on its quote-intake screen and says it checks customer contracts against the policy for warranty and uptime gaps. [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") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")

## 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](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)

## What Is StartupInsurance.ai?

StartupInsurance.ai is a marketing brand of ContractorNerd Insurance Services, LLC, offering startup insurance placement and policy reviews. Buyers can begin with an online coverage selection or a review of existing policies and contract requirements. [5](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

## 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. [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://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [11](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")

## Key Differences in Tech E&O Insurance

### Broker of Record and Catalog

HUB brokers technology E&O as part of its E&O and technology practices. StartupInsurance.ai lists “Tech E&O and Professional Liability” as one program line, with ContractorNerd Insurance Services, LLC arranging it as agent/broker of record rather than underwriting it. Neither reviewed source names which panel carrier would issue a given tech E&O policy. [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") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")

### Contract Wording Versus Generic E&O Terms

HUB’s general E&O page describes defense, judgments, settlements and fines and optional prior-acts and tail coverage. StartupInsurance.ai says most tech E&O forms omit coverage for accuracy warranties and uptime promises that a startup takes on in a customer contract, and that it reads those contracts against the policy before binding. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### How You Apply

HUB directs you to connect with a broker and does not describe an online quote flow. StartupInsurance.ai’s quote application includes “Tech Errors & Omissions” as one of seven coverage boxes, described as covering claims from tech products or services failing, with no separate box for general professional liability on that screen. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

### Extra Review Service

StartupInsurance.ai offers a free policy check that flags places where a customer contract promises something the tech E&O wording does not cover. HUB’s reviewed pages do not describe a comparable contract-versus-policy review for this line; they emphasize customized limits and industry fit. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")

## What to Confirm in Tech E&O Insurance Quotes

- Name the issuing insurer on both the HUB and StartupInsurance.ai placements. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Bring customer MSAs: ask StartupInsurance.ai how accuracy warranties and uptime promises are treated, and ask HUB the same on its form. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")
- Confirm prior-acts and tail if you have a claims-made history; HUB describes those options and StartupInsurance.ai’s reviewed pages do not. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Ask whether StartupInsurance.ai’s homepage remark about a blanket AI exclusion on “D&O, E&O and fiduciary” applies to the tech E&O form you are quoted. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## Offering Details

| Criteria | HUB International Technology Errors and Omissions Insurance | StartupInsurance.ai Technology Errors & Omissions (Tech E&O) 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](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..) | 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](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: 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..) |
| 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..) | 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. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel; the panel is program-wide, not broken out by coverage line..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | 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. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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..)<br><br>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. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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..) |
| 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..) | Not described in the reviewed sources. |
| Risk Services | 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. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy..) |
| 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..) | "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. [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: 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..) |

## Full Comparison

- [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance): 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 E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [HUB International vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-startupinsurance/builders-risk)
- [HUB International vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-startupinsurance/commercial-auto)
- [HUB International vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-startupinsurance/commercial-property)
- [HUB International vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/hub-international-vs-startupinsurance/directors-officers)
- [HUB International vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-startupinsurance/fiduciary)
- [HUB International vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/hub-international-vs-startupinsurance/general-liability)
- [HUB International vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-startupinsurance/inland-marine)
- [HUB International vs StartupInsurance.ai Product Liability Insurance](https://spot.insure/compare/hub-international-vs-startupinsurance/product-liability)
- [HUB International vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/hub-international-vs-startupinsurance/surety-bonds)
- [Alliance Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/technology-errors-omissions)
- [Alliance Risk vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/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 StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/technology-errors-omissions)
- [At-Bay vs HUB International Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-hub-international/technology-errors-omissions)
- [At-Bay vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-startupinsurance/technology-errors-omissions)

## Sources

### 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.

### StartupInsurance.ai

5. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
6. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Tech Errors & Omissions — “Covers claims from your tech products or services failing”. Accessed 2026-09-23.
7. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Wording that still says yes (accuracy warranties/uptime promises and tech E&O forms; “One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23.
8. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”. Accessed 2026-09-23.

### Tech E&O Insurance Guide

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. [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.
11. [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.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-startupinsurance/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)