Marsh vs The Hartford Tech E&O Insurance

Marsh brokers tech E&O without naming a carrier; The Hartford underwrites FailSafe with listed agreements and a per-employee cost range.

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,^2,^3,⁴

Read the Marsh profile

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,^8,⁹

Read the The Hartford profile

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

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^11,^12,¹³

Read the full coverage guide

Key Differences in Tech E&O Insurance

Who Issues the Form

Marsh brokers technology E&O and does not name the insurer on the reviewed pages. The Hartford underwrites FailSafe as its technology E&O product for companies whose products or services can cause a customer’s pure financial loss. ⁶ ¹⁰

FailSafe Features Versus Data-Center Packaging

The Hartford lists FailSafe coverage features: errors and omissions, security, data privacy and network security, personal injury, intellectual property and media liability, and it treats cyberattacks and data leaks as a separate cyber product. Marsh’s reviewed coverage discussion is about off-the-shelf technology E&O leaving gaps at data-center scale and combining E&O with property and casualty, not about those FailSafe agreements. ¹⁰ ⁵

Named Buyers

The Hartford names software and IT specialists, hardware and electronics manufacturers, and telecommunications providers. Marsh names technology among specialized professional-liability industries alongside banking, insurance, asset management, media and healthcare. ¹⁰ ⁶

Cost Disclosure

The Hartford publishes a typical cost of about $500 to $1,000 per year per employee and says limits depend on location, headcount, chosen limits and lawsuit history. Marsh’s reviewed pages do not publish premium or limit amounts for this line. ¹⁰ ⁶ ⁵

What to Confirm in Tech E&O Insurance Quotes

Ask Marsh which carrier would issue the policy if you are comparing it with FailSafe. ⁶ ¹⁰
Compare FailSafe’s IP and media agreements with how a Marsh placement treats those claims, especially inside a data-center program. ¹⁰ ⁵
Confirm whether cyber is separate (Hartford) or bound with other lines (Marsh’s data-center framing). ¹⁰ ⁵
Get actual premium, limits and retentions rather than relying on Hartford’s typical range. ¹⁰ ⁶

Offering Details

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
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. ^6,⁵Company-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. ¹⁰Company-reported. Technology E&O product page as read 2026-09-23.
Issuing Insurer	The reviewed pages do not name a specific technology E&O insurer. ^6,⁵Not publicly disclosed. Marsh professional liability and data-center insurance pages as read on 2026-09-23.	Not described in the reviewed sources.
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. ⁶Company-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). ¹⁰Company-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. ⁵Company-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. ¹⁰Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.
Limits and Retentions	Not described in the reviewed sources.	The Hartford says E&O coverage for technology businesses typically costs about $500 to $1,000 per year per employee; the page does not publish standard coverage limits, which depend on location, employee count, coverage limits chosen and lawsuit history. ¹⁰Company-reported. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit.

Full Comparison

More Marsh vs The Hartford Comparisons

Other Tech E&O Insurance Comparisons

Sources

Marsh

Marsh | Leader in risk, strategy, people, and investments. 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.
Compensation guide for US clients. 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.
Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
Data center insurance and risk management. Marsh; Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers. Accessed 2026-09-23.
Professional liability. Marsh; What We Offer: specialized industries served, including Technology. Accessed 2026-09-23.

The Hartford

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.
SaaS Insurance for Your Business. 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.
Find a Local Insurance 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.
Technology Errors and Omissions Insurance | Technology E&O. The Hartford; What Is Technology Errors and Omissions Insurance?; How Does Technology Errors and Omissions Insurance Work; Technology Errors and Omissions Insurance Coverage feature list; Technology Errors and Omissions Insurance Cost; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-23.

Tech E&O Insurance Guide

Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.