Marsh vs 
The Hartford: How Do They Compare for Tech E&O Insurance?
The Hartford gives a price guide of $500 to $1,000 per employee a year for its FailSafe tech E&O and lists its liability features; Marsh offers technology specialists and data center programs combining tech E&O with property and casualty.
The Hartford writes FailSafe Tech E&O itself, with IP, media, security and privacy liability, for software, hardware and telecom firms at a typical $500 to $1,000 per employee a year; Marsh is a broker that builds custom programs combining E&O with property and casualty for data centers. 3,2,1
What Are the Key Differences Between Marsh and The Hartford Tech E&O Insurance?
Standard Tech Product vs Custom Data-Center Program
The Hartford underwrites FailSafe for companies whose products or services can cause a customer financial loss, listing errors-and-omissions, security, data-privacy and network-security, personal-injury, IP and media liability, with cyberattacks on a separate product. Marsh brokers technology E&O with insurers it doesn’t name, and warns that off-the-shelf tech E&O leaves gaps at data-center scale, so it combines E&O with property and casualty. Choose The Hartford if you are a software, IT, hardware or telecom business that fits a standard policy; choose Marsh if you run data centers or other large infrastructure. 3 2 1
Published Price vs None
The Hartford reports a typical cost of about $500 to $1,000 per employee a year, with price depending on location, headcount, chosen limits and lawsuit history. Marsh publishes no premiums or limits for this line. 3 2
Named Tech Buyers vs Multi-Industry Specialists
The Hartford names software and IT specialists, hardware and electronics manufacturers, and telecom providers. Marsh lists technology among several professional-liability specialties, alongside banking, insurance, asset management, media and healthcare. 3 2
What Should You Confirm in Marsh and The Hartford Tech E&O Insurance Quotes?
- Ask Marsh which insurer it would use. 2 3
- Ask Marsh how its placement treats IP and media claims that FailSafe covers by name. 3 1
- Ask The Hartford whether you need its separate cyber policy, and Marsh whether cyber is bundled into your program. 3 1
- Get premium, limits and retentions in writing from both. 3 2
Marsh vs The Hartford Tech E&O Insurance Compared
Marsh vs The Hartford: Tech E&O Insurance: documented features by provider
| Criteria | Marsh Technology Errors and Omissions Insurance | The Hartford FailSafe Technology Errors and Omissions Insurance |
|---|---|---|
| Who It’s For | Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. 2Company-reported. Marsh professional liability page, What We Offer section. | The Hartford names buyer types for Tech E&O: software and IT specialists (custom/packaged software developers, website designers, computer consultants, systems integrators, federal IT contractors), hardware and electronics manufacturers, and telecommunications providers (local/long-distance carriers, internet/application service providers, website hosting). 3Company-reported. Technology E&O product page as read 2026-09-23. |
| Coverage Features | Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. 1Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product. | The Hartford lists FailSafe Technology E&O coverage features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability, and media liability. It distinguishes this from its separate cyber liability coverage, which addresses cyberattacks and data leaks specifically rather than broader product/service failures. 3Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Role in This Line | Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. 2,1Company-reported. Marsh professional liability page and data-center insurance page. | The Hartford's FailSafe Technology Liability Product Suite is its technology errors and omissions (E&O) product, aimed at technology companies whose products or services can cause a customer's pure financial loss that traditional liability policies usually don't cover. 3Company-reported. Technology E&O product page as read 2026-09-23. |
