---
title: "Marsh vs The Hartford Tech E&O Insurance"
description: "Marsh brokers tech E&O without naming a carrier; The Hartford underwrites FailSafe with listed agreements and a per-employee cost range."
canonical: "https://spot.insure/compare/marsh-vs-the-hartford/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Marsh and The Hartford for Tech 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

Marsh places technology E&O, including in data-center programs, with unspecified insurers. The Hartford underwrites FailSafe, listing security, privacy, IP and media features separately from its cyber product, and cites a typical cost of about $500 to $1,000 per employee per year. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")

## 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 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](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")

### 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

### 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

### 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

## 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")
- Compare FailSafe’s IP and media agreements with how a Marsh placement treats those claims, especially inside a data-center program. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
- Confirm whether cyber is separate (Hartford) or bound with other lines (Marsh’s data-center framing). [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
- Get actual premium, limits and retentions rather than relying on Hartford’s typical range. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

## Offering Details

| 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: 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. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Not publicly disclosed; scope: 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. [6](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 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). [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: 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. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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. [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit..) |

## Full Comparison

- [Marsh vs The Hartford](https://spot.insure/compare/marsh-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer 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 Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-the-hartford/professional-errors-omissions)
- [Marsh vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Marsh Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/technology-errors-omissions)
- [Alliance Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/technology-errors-omissions)
- [Amelia Risk vs Marsh Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/technology-errors-omissions)
- [Amelia Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions)
- [At-Bay vs Marsh Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-marsh/technology-errors-omissions)
- [At-Bay vs The Hartford Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-the-hartford/technology-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. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). 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.
6. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: specialized industries served, including Technology. 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. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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

11. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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.
12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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.
13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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.

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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