Marsh vs 
The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?
Marsh places E&O for specialized sectors like banking and venture capital, with attorneys, economists and actuaries advising. The Hartford publishes average minimum monthly premiums, such as $62 for standalone miscellaneous professional liability.
The Hartford underwrites professional liability directly and publishes average minimum monthly premiums by product, while Marsh's professional liability practice brokers coverage across named enterprise industries without disclosing an insurer. 3,1
What Are the Key Differences Between Marsh and The Hartford Professional Liability (E&O) Insurance?
Underwriter Versus Broker
The Hartford's page describes underwriting professional liability directly, protecting businesses for mistakes in the professional services provided to clients, including claims that turn out to be baseless. 3 Marsh instead brokers the coverage through its financial and professional liability practice, placing policies with insurers on a client's behalf across named enterprise industries. 1 2
Pricing Transparency
The Hartford's page breaks pricing out by product, a level of detail Marsh's pages don't include:
The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. 3Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.
Marsh's page instead describes a specialist team of attorneys, economists and actuaries assessing exposure, without a comparable published price list. 1
Who Each Page Names as a Target
The Hartford lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. 3 Marsh names a broader enterprise set instead: banking and broker/dealers, insurance companies and asset managers, venture capital, media and entertainment, and healthcare and biotechnology alongside similar professional categories. 1
What Should You Confirm in Marsh and The Hartford Professional Liability (E&O) Insurance Quotes?
- Ask The Hartford whether your profession falls under one of its published pricing categories or a different underwriting tier. 3
- Ask Marsh which insurer it intends to place your policy with, since its pages don't name one. 1
- Confirm the extended-reporting-period length and cost on any claims-made quote from The Hartford. 3
- Neither page publishes standard coverage limits; get them in writing before binding. 3 1
Marsh vs The Hartford Professional Liability (E&O) Insurance Compared
Marsh vs The Hartford: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Marsh Professional Liability Insurance Brokerage | The Hartford Professional Liability Insurance (Errors & Omissions) |
|---|---|---|
| Who It’s For | Marsh names specialized industries its professional liability experts serve, including banking and broker/dealers, insurance companies and asset managers, merchant banking and venture capital, accountants, attorneys, architects and engineers, media and entertainment, technology, and healthcare and biotechnology. 1Company-reported. Marsh professional liability page, What We Offer section. | The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. 3Company-reported. Professional liability product page as read 2026-09-23. |
| Coverage Features | Marsh says professional liability coverage can protect a company against liability and defense costs from a claim alleging an error, omission or negligence in performing professional services, and that many policies also cover privacy violations and computer security breaches. 1Company-reported. Marsh professional liability page opening description; illustrative policy description, not a specific policy form. | The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. 3Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls. |
| Role in This Line | Marsh's financial and professional liability practice places professional liability (errors and omissions) insurance; MMA also places E&O coverage within its executive and professional liability practice for middle-market clients. 1,2Company-reported. Marsh professional liability page and MMA executive and professional liability page. | The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. 3Company-reported. Professional liability product page as read 2026-09-23. |
