---
title: "Marsh vs The Hartford Professional Liability (E&O) Insurance"
description: "The Hartford underwrites E&O directly with published average premiums by profession; Marsh brokers the line without naming an insurer or price."
canonical: "https://spot.insure/compare/marsh-vs-the-hartford/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

The Hartford underwrites E&O directly with published average premiums by profession; Marsh brokers the line without naming an insurer or price.

## Research Scope and Use

Use this comparison to evaluate Marsh and The Hartford for Professional Liability (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

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. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

## 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [7](https://www.thehartford.com/legal-notice "Legal Notice") [8](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [9](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. [11](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [12](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [13](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [14](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in 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. [10](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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [6](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. [10](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. [5](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. [10](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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

## What to Confirm in 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. [10](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. [5](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. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Neither page publishes standard coverage limits; get them in writing before binding. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

## Offering Details

| Criteria | Marsh Professional Liability Insurance Brokerage | The Hartford Professional Liability Insurance (Errors & Omissions) |
| --- | --- | --- |
| 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [6](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. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |
| Issuing Insurer | The reviewed pages do not name a specific professional liability insurer. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Not publicly disclosed; scope: Marsh professional liability page and MMA executive and professional liability page as read on 2026-09-23..) | Not described in the reviewed sources. |
| 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. [5](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. [10](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. [5](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. [10](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..) |
| Limits and Retentions | Not described in the reviewed sources. | 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. [10](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..) |
| Risk Services | Marsh says it employs attorneys, economists and actuaries alongside coverage specialists to assess a client's professional liability exposure from multiple angles, given the complexity of these risks. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") (Evidence: Company-reported; scope: Marsh professional liability page..) | Not described in the reviewed sources. |

## Full Comparison

- [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 E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [Marsh vs The Hartford Commercial Property Insurance](https://spot.insure/compare/marsh-vs-the-hartford/commercial-property)
- [Marsh vs The Hartford Crime Insurance](https://spot.insure/compare/marsh-vs-the-hartford/crime)
- [Marsh vs The Hartford Cyber Insurance](https://spot.insure/compare/marsh-vs-the-hartford/cyber)
- [Marsh vs The Hartford D&O Insurance](https://spot.insure/compare/marsh-vs-the-hartford/directors-officers)
- [Marsh vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-the-hartford/employment-practices)
- [Marsh vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-the-hartford/fiduciary)
- [Marsh vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/marsh-vs-the-hartford/kidnap-ransom)
- [Marsh vs The Hartford Management Liability Insurance](https://spot.insure/compare/marsh-vs-the-hartford/management-liability)
- [Marsh vs The Hartford Tech E&O Insurance](https://spot.insure/compare/marsh-vs-the-hartford/technology-errors-omissions)
- [Marsh vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/professional-errors-omissions)
- [Alliance Risk vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/professional-errors-omissions)
- [At-Bay vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-marsh/professional-errors-omissions)
- [At-Bay vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-the-hartford/professional-errors-omissions)
- [Beazley vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-marsh/professional-errors-omissions)
- [Beazley vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-the-hartford/professional-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. [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.
6. [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.

### The Hartford

7. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
8. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
9. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
10. [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.

### Professional Liability (E&O) Insurance Guide

11. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
12. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
13. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
14. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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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