---
title: "Markel Insurance vs The Hartford: Tech E&O Insurance"
description: "The Hartford lists six FailSafe Tech E&O coverage features and a per-employee price range; Markel describes technology professional liability for software and hardware firms."
canonical: "https://spot.insure/compare/markel-vs-the-hartford/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "markel-vs-the-hartford"
provider-a: "markel"
provider-b: "the-hartford"
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/markel-vs-the-hartford/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Markel Insurance and The Hartford 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 Markel Insurance versus The Hartford. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Markel Insurance vs The Hartford for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Markel Insurance or The Hartford?
- What does Markel Insurance or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Tech E&O Insurance from Markel Insurance or The Hartford?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Markel Insurance and The Hartford.
- 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:**
- [Markel Insurance vs The Hartford](https://spot.insure/compare/markel-vs-the-hartford) — parent: all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [Markel Insurance vs The Hartford Commercial Property Insurance](https://spot.insure/compare/markel-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford Crime Insurance](https://spot.insure/compare/markel-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford Cyber Insurance](https://spot.insure/compare/markel-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford D&O Insurance](https://spot.insure/compare/markel-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford General Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/markel-vs-the-hartford/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/markel-vs-the-hartford/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford Management Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/management-liability) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/markel-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-the-hartford/workers-compensation) — 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)
- [AIG vs The Hartford Tech E&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/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)
- [Alliance Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/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)
- [Amelia Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)

# Markel Insurance vs The Hartford: How Do They Compare for Tech E&O Insurance?

The Hartford lists six FailSafe Tech E&O coverage features and a per-employee price range; Markel describes technology professional liability for software and hardware firms.

## How to Use the Markel Insurance vs The Hartford Tech E&O Insurance Comparison

Use this comparison to evaluate Markel Insurance and The Hartford 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.

## Markel Insurance vs The Hartford Tech E&O Insurance Summary

The Hartford’s FailSafe suite lists E&O, security, privacy, network, personal injury, IP, and media liability features and gives a typical annual price of $500–$1,000 per employee. Markel names software/SaaS, hardware, and consultants but does not publish a comparable price in its record. [3](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")

## 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. [1](https://www.markel.com/about-us "About us") [2](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 The Hartford?

The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [4](https://www.thehartford.com/legal-notice "Legal Notice") [5](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [6](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## 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 Markel Insurance and The Hartford Tech E&O Insurance?

### FailSafe Coverage Features

The Hartford's FailSafe Technology E&O lists E&O, security, data privacy, network security, personal injury, intellectual property, and media liability. It distinguishes its separate cyber policy as addressing cyberattacks and data leaks rather than broader product or service failures. Markel describes professional liability for software/SaaS, hardware, and consulting services but does not enumerate these features in its offering record. Ask Markel which are in its form or require separate policies. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [3](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

### Technology Classes and Price Context

The Hartford names software developers, IT specialists, hardware and electronics manufacturers, and telecommunications providers as FailSafe buyers. Markel lists software/SaaS, hardware businesses, and consultants. The Hartford reports a typical annual cost of $500–$1,000 per employee, while Markel's record offers no comparable price; actual limits and cost depend on the risk and quote. Use matching headcount and limits when comparing proposals. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [3](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

### Separate Cyber and Tech E&O Questions

The Hartford draws a line between FailSafe's product and service liability features and its separate cyber policy for attacks and data leaks. Markel's Tech E&O record describes professional liability but does not say whether cyber is included. If a software failure and a network intrusion could affect the same customer, ask both how the policies coordinate and which limit responds first. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [3](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 Markel Insurance and The Hartford Tech E&O Insurance Quotes?

- Ask The Hartford which FailSafe features are included in your state, what limits apply, and whether the $500–$1,000 per-employee estimate fits your risk. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")

- Ask Markel whether its Tech E&O includes privacy, network, IP, media, and security liability, and how cyber is placed. [3](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

## Markel Insurance vs The Hartford Tech E&O Insurance Compared

| Criteria | Markel technology errors omissions (official overview) | The Hartford FailSafe Technology Errors and Omissions Insurance |
| --- | --- | --- |
| Role in This Line | Markel describes offering technology errors omissions for the audience stated on the cited product page. [3](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..) | The Hartford's FailSafe Technology Liability Product Suite is its technology errors and omissions (E&O) product, aimed at technology companies whose products or services can cause a customer's pure financial loss that traditional liability policies usually don't cover. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page as read 2026-09-23..) |
| Who It’s For | IT and technology service businesses, including software/SaaS, hardware businesses, and consultants listed by Markel. [3](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..) | The Hartford names buyer types for Tech E&O: software and IT specialists (custom/packaged software developers, website designers, computer consultants, systems integrators, federal IT contractors), hardware and electronics manufacturers, and telecommunications providers (local/long-distance carriers, internet/application service providers, website hosting). [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page as read 2026-09-23..) |
| Coverage Features | 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. [3](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..) | The Hartford lists FailSafe Technology E&O coverage features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability, and media liability. It distinguishes this from its separate cyber liability coverage, which addresses cyberattacks and data leaks specifically rather than broader product/service failures. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| Limits and Retentions | 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. [3](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..) | The Hartford says E&O coverage for technology businesses typically costs about $500 to $1,000 per year per employee; the page does not publish standard coverage limits, which depend on location, employee count, coverage limits chosen and lawsuit history. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit..) |
| How to Apply | 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. [3](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..) | Confirm in your quote. |

## Related Pages for Markel Insurance vs The Hartford Tech E&O Insurance

- [Markel Insurance vs The Hartford](https://spot.insure/compare/markel-vs-the-hartford): 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.
- [Markel Insurance vs The Hartford Commercial Property Insurance](https://spot.insure/compare/markel-vs-the-hartford/commercial-property)
- [Markel Insurance vs The Hartford Crime Insurance](https://spot.insure/compare/markel-vs-the-hartford/crime)
- [Markel Insurance vs The Hartford Cyber Insurance](https://spot.insure/compare/markel-vs-the-hartford/cyber)
- [Markel Insurance vs The Hartford D&O Insurance](https://spot.insure/compare/markel-vs-the-hartford/directors-officers)
- [Markel Insurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/employment-practices)
- [Markel Insurance vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/fiduciary)
- [Markel Insurance vs The Hartford General Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/general-liability)
- [Markel Insurance vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/markel-vs-the-hartford/hired-non-owned-auto)
- [Markel Insurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/markel-vs-the-hartford/inland-marine)
- [Markel Insurance vs The Hartford Management Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/management-liability)
- [Markel Insurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/markel-vs-the-hartford/professional-errors-omissions)
- [Markel Insurance vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-the-hartford/workers-compensation)
- [AIG vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-markel/technology-errors-omissions)
- [AIG vs The Hartford Tech E&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/technology-errors-omissions)
- [Alliance Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-markel/technology-errors-omissions)
- [Alliance Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/technology-errors-omissions)
- [Amelia Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/technology-errors-omissions)
- [Amelia Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions)

## Sources for Markel Insurance vs The Hartford Tech E&O Insurance

### Sources About Markel Insurance

1. [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.
2. [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.
3. [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 About The Hartford

4. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
5. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
6. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
7. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; How Does Technology Errors and Omissions Insurance Work; Technology Errors and Omissions Insurance Coverage feature list; Technology Errors and Omissions Insurance Cost; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-23.

### 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.

## 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).

## The Hartford Review Scores for 2026

Review Score: 4.9 / 10 from 5 rated sources, equally weighted.

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/markel-vs-the-hartford/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)