--- title: "Marsh vs The Hartford: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/marsh-vs-the-hartford/technology-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: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/marsh-vs-the-hartford/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Marsh and The Hartford for Tech 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 Tech 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 Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Marsh or The Hartford? - What does Marsh or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech 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 - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-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 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’s FailSafe Tech E&O lists IP, media and security liability for software, hardware and telecom firms at about $500 to $1,000 per employee a year, while Marsh brokers custom programs for data centers where off-the-shelf E&O leaves gaps. ## Marsh vs The Hartford Tech E&O Insurance Summary 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [1](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") ## 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [1](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") ### 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") ### 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") ## What Should You Confirm in Marsh and The Hartford Tech E&O Insurance Quotes? - Ask Marsh which insurer it would use. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Ask Marsh how its placement treats IP and media claims that FailSafe covers by name. [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") - Ask The Hartford whether you need its separate cyber policy, and Marsh whether cyber is bundled into your program. [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") - Get premium, limits and retentions in writing from both. [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") ## Marsh vs The Hartford Tech E&O Insurance Compared | 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. [2](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). [3](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. [1](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. [3](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..) | | 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [1](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. [3](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..) | ## About Marsh and The Hartford and Tech E&O Insurance - [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 Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Marsh vs The Hartford Tech E&O Insurance - [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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Marsh Tech E&O Insurance](https://spot.insure/insurance-providers/marsh/technology-errors-omissions) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) ## Sources for Marsh vs The Hartford Tech E&O Insurance ### Sources About Marsh 1. [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. 2. [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. ### Sources About The Hartford 3. [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. 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). 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