HUB International vs 
TechInsurance Tech E&O Insurance
HUB brokers tech E&O with optional prior-acts and tail; TechInsurance sells the line as a two-policy E&O-plus-cyber bundle with a published median premium.
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 TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 5,6
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. 8,9,10
Key Differences in Tech E&O Insurance
Bundle Versus Brokered E&O
HUB brokers technology E&O as part of its general E&O practice and its technology-industry practice. TechInsurance sells technology errors and omissions as a bundle of two policies—errors and omissions insurance and cyber liability insurance—built specifically for IT and technology companies. Neither reviewed page names the issuing insurer. 4 3 7
What Each Description Pays For
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 include prior-acts and tail. TechInsurance says the E&O half of its bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party cover for breaches of the buyer’s own systems and third-party cover for breaches on a client’s systems the buyer worked on. 4 7
Intellectual Property
TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes and that such coverage usually must be added. HUB’s reviewed E&O and technology pages do not address whether IP or copyright disputes are included or extra. 7 4
Published Cost Versus Unpublished Premium
TechInsurance reports that tech E&O policyholders pay a median of $67 per month, or about $807 a year, depending on profession risk, policy limits, personally identifiable information and claims history. HUB says policies typically include per-claim and aggregate limits but does not publish premium or specific limit amounts. 7 4
What to Confirm in Tech E&O Insurance Quotes
- Ask whether TechInsurance’s quote is the two-policy bundle and whether HUB is placing E&O alone or with cyber. 7 3
- Get the issuing insurer from both. 7 4
- Confirm IP and copyright treatment; TechInsurance says it is usually an add-on. 7 4
- Treat TechInsurance’s median premium as a book statistic, not your rate, and obtain HUB’s actual premium, limits and retentions. 7 4
Offering Details
HUB International vs TechInsurance Tech E&O Insurance: documented features by provider
| Criteria | HUB International Technology Errors and Omissions Insurance | TechInsurance Technology Errors and 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. 4,3Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer. | TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. 7Company-reported. Tech E&O product 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 page does not name the issuing insurer for a tech E&O policy. 7Not publicly disclosed. Tech E&O product page 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. | TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. 7Company-reported. Tech E&O product page, Technology professionals we insure 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. | TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). 7Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. 7Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section. |
| 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. | TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. 7Company-reported. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| 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 TechInsurance 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.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Technology Errors and Omissions - Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. 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.
