---
title: "Marsh vs StartupInsurance.ai Tech E&O Insurance"
description: "Marsh packages tech E&O into data-center programs; StartupInsurance.ai checks customer contracts for warranty and uptime gaps before binding."
canonical: "https://spot.insure/compare/marsh-vs-startupinsurance/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Marsh vs StartupInsurance.ai Tech E&O Insurance

Marsh packages tech E&O into data-center programs; StartupInsurance.ai checks customer contracts for warranty and uptime gaps before binding.

## Research Scope and Use

Use this comparison to evaluate Marsh 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

Marsh brokers technology E&O as a professional-liability specialty and a data-center building block. StartupInsurance.ai, via ContractorNerd as agent of record, places Tech E&O through an online coverage-selection screen and says it reads customer contracts against the form. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [10](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## 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. [7](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [8](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. [11](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](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

### Large-Account Programs Versus Startup Intake

Marsh places technology E&O through professional-liability specialists and data-center programs. StartupInsurance.ai lists Tech E&O and professional liability as one program line arranged by ContractorNerd Insurance Services, LLC as agent/broker of record. Neither reviewed source names which carrier underwrites a given tech E&O policy. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [10](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")

### Scale Gaps Versus Contract Promises

Marsh says off-the-shelf technology E&O was not built for modern data-center scale, density and aggregation. StartupInsurance.ai says most tech E&O forms leave out accuracy warranties and uptime promises that a startup accepts in a customer contract, and that it reads those contracts against the policy before binding. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### How You Buy

StartupInsurance.ai’s quote screen includes Tech Errors & Omissions as one of seven boxes, described as covering claims from tech products or services failing. Marsh’s reviewed pages do not describe an online coverage-selection flow for this line. [8](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

### Policy Check

StartupInsurance.ai’s free policy check flags contract promises the tech E&O wording does not cover. Marsh’s reviewed pages do not describe a comparable contract-versus-policy review; they emphasize program design for data-center and professional-liability clients. [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

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

- Get the issuing insurer from Marsh and from StartupInsurance.ai. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Bring MSAs if you buy through StartupInsurance.ai, and ask Marsh how contractual uptime or accuracy promises are treated on a data-center or technology placement. [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
- Ask whether StartupInsurance.ai’s remark about a blanket AI exclusion on “D&O, E&O and fiduciary” applies to the quoted tech E&O form. [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Obtain limits and retentions; neither reviewed page publishes them for this line. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## Offering Details

| Criteria | Marsh Technology Errors and Omissions Insurance | StartupInsurance.ai Technology Errors & Omissions (Tech E&O) Insurance |
| --- | --- | --- |
| Role in This Line | 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: 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](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [10](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 | The reviewed pages do not name a specific technology E&O insurer. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Not publicly disclosed; scope: 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. [9](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 | Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") (Evidence: Company-reported; scope: Marsh professional liability page, What We Offer section..) | Not described in the reviewed sources. |
| Coverage Features | 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. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: 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. [9](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. [9](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..) |
| 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. [9](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 | 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. [8](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

- [Marsh vs StartupInsurance.ai](https://spot.insure/compare/marsh-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.
- [Marsh vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/marsh-vs-startupinsurance/builders-risk)
- [Marsh vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/marsh-vs-startupinsurance/commercial-property)
- [Marsh vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/marsh-vs-startupinsurance/directors-officers)
- [Marsh vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-startupinsurance/fiduciary)
- [Marsh vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/marsh-vs-startupinsurance/surety-bonds)
- [Alliance Risk vs Marsh Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/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 Marsh Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/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 Marsh Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-marsh/technology-errors-omissions)
- [At-Bay vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-startupinsurance/technology-errors-omissions)

## Sources

### Marsh

1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
2. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
3. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
4. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
5. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers. Accessed 2026-09-23.
6. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: specialized industries served, including Technology. Accessed 2026-09-23.

### StartupInsurance.ai

7. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
8. [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.
9. [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.
10. [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

11. [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.
12. [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.
13. [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.

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