Nationwide vs 
TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance?
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 1,2,3
Read the Nationwide Professional Liability (E&O) Insurance page
What Is TechInsurance?
TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. 5,6,7
Read the TechInsurance profile
Read the TechInsurance Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 9,10,11,12
Key Differences in Professional Liability (E&O) Insurance
Technology Firms and Policy Trigger
TechInsurance targets E&O at professional-service and advice businesses, naming IT and software professionals, cybersecurity and SaaS companies, insurance and real-estate agents, tax preparers and consultants. It says its policy is claims-made, requiring the policy to be active when the incident occurs and when the claim is filed, and recommends maintaining coverage or a retroactive date for past work. Nationwide describes E&O for professional-service errors or omissions but does not specify the trigger or technology-sector examples in its overview. A technology business should compare class eligibility and continuity terms in the actual form. 8 4
Defense and Reporting Steps
TechInsurance says its E&O pays legal defense costs and resulting judgments or settlements, and tells policyholders facing a threatened suit to contact their carrier with policy details and claim circumstances. Nationwide’s overview describes the claim type but does not explain defense-cost treatment or a notice process. Buyers should identify the carrier and claim-notice contact before signing. 8 4
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask TechInsurance for the retroactive date, reporting rules and how claims from work completed before inception are handled. 8
- Ask Nationwide’s agent whether the quote is claims-made or occurrence and how defense expenses affect the limit. 4
- Confirm which carrier receives notice of a threatened claim and what records each requires. 8 4
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Nationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsTechInsurance
Review Score
2 rated sources
TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.[4][5]
Read TechInsurance reviewsOffering Details
Nationwide vs TechInsurance: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Nationwide professional errors omissions (official overview) | TechInsurance Errors and Omissions Insurance |
|---|---|---|
| Role in This Line | Nationwide describes offering professional errors omissions for the audience stated on the cited product page. 4Company-reported. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. 8Company-reported. Errors and omissions product page. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for an E&O policy. 8Not publicly disclosed. Errors and omissions product page as read on 2026-09-23. |
| Who It’s For | Professionals and businesses providing services to others as described by Nationwide; exact eligible classes depend on underwriting. 4Company-reported. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. 8Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section. |
| Coverage Features | The cited product page describes E&O insurance for claims alleging errors or omissions in professional services, as described on Nationwide's product page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 4Company-reported. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. 8Company-reported. Errors and omissions product page; general policy description, not a specific policy form. TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. 8Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section. |
| Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 4Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. | TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. 8Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| How to Apply | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 4Company-reported. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | Confirm in your quote. |
| Claims Support | Confirm in your quote. | TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. 8Company-reported. Errors and omissions product page, How does E&O insurance coverage work? section. |
Full Comparison
More Nationwide vs TechInsurance Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Errors and Omissions Insurance. Nationwide; E&O page; professional-services liability and coverage overview. Accessed 2026-09-30.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Errors & Omissions (E&O) Insurance. TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). Accessed 2026-09-23.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. 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.
- 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.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. 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.
