Marsh vs TechInsurance: How Do They Compare for Cyber Insurance?

Marsh offers advisor-led placement and excess capacity above $200 million per client; TechInsurance reports a median of $129 a month and lists exclusions.

TechInsurance reports a $129 monthly median cyber premium and says a certificate is typically available the same day you buy. Marsh does not publish a comparable price and instead can arrange more than $200 million of excess capacity through Cyber ECHO. ^5,²

What Are the Key Differences Between Marsh and TechInsurance Cyber Insurance?

A Published Median Premium Versus an Excess Facility

TechInsurance tells small-business buyers what its book actually pays.

TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. ⁵Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Marsh describes specialist advisers who design placements and can add more than $200 million of excess capacity, but it does not publish a standard-policy price. Choose TechInsurance if you want a short online quote and a published median to sanity-check cost; choose Marsh if you need capacity far above a small-business primary. ¹ ²

Same-Day Certificate Versus Named Specialists

You request TechInsurance quotes online through a short application; a licensed agent can help, and a certificate is typically available the same day you buy. Marsh and MMA route you to a named cyber specialist and describe advisor-led analytics rather than a same-day certificate promise. ⁵ ¹ ⁴

Written Exclusions Versus a Coverage Catalogue

TechInsurance says cyber does not cover professional negligence unrelated to a breach, physical damage to devices, or data loss from hardware damage. MMA lists incident response, network interruption, extortion and data restoration as core coverages and does not itemize those carve-outs on the reviewed pages. ⁵ ⁴

What Should You Confirm in Marsh and TechInsurance Cyber Insurance Quotes?

Ask TechInsurance for a quote against your headcount and data volume; $129 is a book median. ⁵
Ask Marsh whether Cyber ECHO is even in play for your size. ²
Get the issuing insurer from both. ⁵ ²

Marsh vs TechInsurance Cyber Insurance Compared

Marsh vs TechInsurance: Cyber Insurance: documented features by provider

Criteria	Marsh Cyber Insurance Brokerage	TechInsurance Cyber Liability Insurance
Limits and Retentions	Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. ²Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit.	TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. ⁵Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
Who It’s For	MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. ⁴Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally.	TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. ⁵Company-reported. Who needs cyber liability insurance section of the product page.
How to Apply	You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. ^1,⁴Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders.	You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. ⁵Company-reported. Cyber liability product page application and certificate sections.
Coverage Features	MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. ⁴Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement.	TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. ⁵Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. ⁵Company-reported. What isn't covered by cyber liability insurance section of the product page.
Role in This Line	Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. ¹Company-reported. Marsh corporate cyber insurance product page. Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. ⁴Company-reported. MMA cyber solutions page.	TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. ⁵Company-reported. Cyber liability product page.