---
title: "Marsh vs TechInsurance Cyber Insurance"
description: "TechInsurance publishes a median monthly cost for cyber liability, while Marsh's pages describe named advisory specialists and excess capacity without pricing."
canonical: "https://spot.insure/compare/marsh-vs-techinsurance/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/marsh-vs-techinsurance/cyber)

# Marsh vs TechInsurance Cyber Insurance

TechInsurance publishes a median monthly cost for cyber liability, while Marsh's pages describe named advisory specialists and excess capacity without pricing.

## Research Scope and Use

Use this comparison to evaluate Marsh and TechInsurance for Cyber 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

TechInsurance reports a median cost of $129 a month for cyber liability policyholders, while Marsh names dedicated cyber brokerage leaders and can arrange over $200 million in excess capacity through Cyber ECHO, without publishing a comparable price. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")

## 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 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. [9](https://www.techinsurance.com/about-us "About TechInsurance") [10](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [13](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Published Pricing Versus Advisor-Led Placement

TechInsurance publishes a median cost figure: $129 a 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.

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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..)

Marsh's reviewed pages describe named cyber brokerage leaders who design placements, without publishing a comparable price for a standard policy. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance")

### Scale of Coverage

Marsh's Cyber ECHO facility can arrange more than $200 million in excess cyber capacity per client, sourcing underwriting from Lloyd's syndicates, company markets or Bermuda-based insurers. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") TechInsurance's reviewed page addresses standard small-business cyber liability limits rather than excess capacity, tying its cost figures to employee count and data volume instead. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")

### Explicit Exclusions Versus a Services List

TechInsurance lists specific exclusions for its cyber liability product: professional negligence claims unrelated to a breach, physical damage to electronic devices, and data loss from physical hardware damage. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") Marsh's MMA page instead lists included coverages — incident response, network interruption, extortion and ransomware — without itemizing exclusions on the reviewed pages. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA")

## What to Confirm in Cyber Insurance Quotes

- Ask TechInsurance for a specific quote against your employee count and data volume, since its published $129 median is a book-of-business average. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Ask Marsh for a cost estimate, since its pages describe the placement process without pricing. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance")
- If you need more capacity than a standard TechInsurance placement offers, ask Marsh how its Cyber ECHO facility could add excess layers. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")
- Confirm whether the exclusions TechInsurance lists also apply to whatever carrier Marsh places you with. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")

## Offering Details

| Criteria | Marsh Cyber Insurance Brokerage | TechInsurance Cyber Liability Insurance |
| --- | --- | --- |
| Role in This Line | Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") (Evidence: Company-reported; scope: Marsh corporate cyber insurance product page..)<br><br>Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: 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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page..) |
| Issuing Insurer | The reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Not publicly disclosed; scope: Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places..) | The reviewed cyber liability page does not name the issuing insurer for a cyber policy; TechInsurance says it collects an application and returns quotes from multiple carriers rather than naming one insurer upfront. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Cyber liability product page as read on 2026-09-23..) |
| 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. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: 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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Who needs cyber liability insurance section of the product page..) |
| 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. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: 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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page; coverage described in general terms, not a specific policy form..)<br><br>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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: What isn't covered by cyber liability insurance section of the product page..) |
| 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. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Company-reported; scope: 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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| Risk Services | Not described in the reviewed sources. | The reviewed cyber liability page does not describe ongoing security monitoring or other risk-management services for policyholders; it focuses on coverage, cost and how to buy. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Not found in reviewed sources; scope: Cyber liability product page as read on 2026-09-23..) |
| 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. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: 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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page application and certificate sections..) |
| Claims Support | Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. [7](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") (Evidence: Company-reported; scope: Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Marsh vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/marsh-vs-techinsurance/commercial-property)
- [Marsh vs TechInsurance D&O Insurance](https://spot.insure/compare/marsh-vs-techinsurance/directors-officers)
- [Marsh vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-techinsurance/employment-practices)
- [Marsh vs TechInsurance Fidelity Bonds](https://spot.insure/compare/marsh-vs-techinsurance/fidelity-bonds)
- [Marsh vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-techinsurance/professional-errors-omissions)
- [Marsh vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/marsh-vs-techinsurance/technology-errors-omissions)
- [Marsh vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Marsh Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/cyber)
- [Alliance Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/cyber)
- [Amelia Risk vs Marsh Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/cyber)
- [Amelia Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/cyber)
- [At-Bay vs Marsh Cyber Insurance](https://spot.insure/compare/at-bay-vs-marsh/cyber)
- [At-Bay vs TechInsurance Cyber Insurance](https://spot.insure/compare/at-bay-vs-techinsurance/cyber)

## 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. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort, Cyber ECHO; Rachel Lavender, US and Canada Cyber Brokerage Leader. Accessed 2026-09-23.
6. [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html). Marsh; New for 2026: over $200 million capacity; free first reinstatement and paid second reinstatement; one underwriting lead and two claims leads per panel; Lloyd's, company markets or Bermuda-based insurers. Accessed 2026-09-23.
7. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Global claims specialists negotiating cyber coverage issues; proof of loss with forensic accountants. Accessed 2026-09-23.
8. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Benefits of Cyber: understand, mitigate, respond, recover; Cyber Coverage list (incident investigation and response, network interruption, extortion/ransomware, data restoration, security and privacy liability, additional coverages); FAQ: Who needs cyber insurance coverage?. Accessed 2026-09-23.

### TechInsurance

9. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
10. [Contact Us](https://www.techinsurance.com/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.
11. [Cyber Liability Insurance – Compare Quotes](https://www.techinsurance.com/cyber-liability-insurance). TechInsurance; What does cyber liability insurance cover?; First-party vs third-party coverage sections; How much does cyber liability insurance cost?; Who needs cyber liability insurance?; What isn't covered by cyber liability insurance?. Accessed 2026-09-23.
12. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Cyber liability insurance card under Top recommended small business insurance policies. Accessed 2026-09-23.

### Cyber Insurance Guide

13. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/marsh-vs-techinsurance/cyber.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)