---
title: "Marsh vs The Hartford: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/marsh-vs-the-hartford/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "marsh-vs-the-hartford"
provider-a: "marsh"
provider-b: "the-hartford"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/marsh-vs-the-hartford/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Marsh and The Hartford for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about Marsh versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Marsh vs The Hartford for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Marsh or The Hartford?
- What does Marsh or The Hartford publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Marsh and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Marsh vs The Hartford](https://spot.insure/compare/marsh-vs-the-hartford) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 publishes minimum-premium benchmarks by profession; Marsh serves specialist industries with multidisciplinary exposure review.

## Marsh vs The Hartford Professional Liability (E&O) Insurance Summary

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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

## 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

### 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. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

### 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

## 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Ask Marsh which insurer it intends to place your policy with, since its pages don't name one. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")
- Confirm the extended-reporting-period length and cost on any claims-made quote from The Hartford. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Neither page publishes standard coverage limits; get them in writing before binding. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

## Marsh vs The Hartford Professional Liability (E&O) Insurance Compared

| 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. [1](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..) | 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. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") (Evidence: Company-reported; scope: 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. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |

## About Marsh and The Hartford and Professional Liability (E&O)

- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Marsh vs The Hartford Professional Liability (E&O)

- [Marsh vs The Hartford](https://spot.insure/compare/marsh-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Marsh Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/marsh/professional-errors-omissions)
- [The Hartford Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions)

## Sources for Marsh vs The Hartford

### Sources About Marsh

1. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; Opening description; What We Offer: specialized industries served (banking, insurance/asset managers, merchant banking/venture capital, accountants/attorneys/architects/engineers, media/communications/entertainment, technology, healthcare/biotechnology). Accessed 2026-09-23.
2. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23.

### Sources About The Hartford

3. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23.

Updated 2026-09-25. 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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