Marsh vs StartupInsurance.ai Tech E&O Insurance

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. ^6,5Company-reported. Marsh professional liability page and data-center insurance page.

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. ^9,10Company-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.

The reviewed pages do not name a specific technology E&O insurer. ^6,5Not publicly disclosed. Marsh professional liability and data-center insurance pages as read on 2026-09-23.

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. ⁹Not publicly disclosed. Homepage carrier panel; the panel is program-wide, not broken out by coverage line.

Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. ⁶Company-reported. Marsh professional liability page, What We Offer section.

Not described in the reviewed sources.

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. ⁵Company-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.

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. ⁹Company-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. ⁹Company-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.

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. ⁹Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy.

Not described in the reviewed sources.

"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. ⁸Company-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.