Relm Insurance vs 
The Hartford Tech E&O Insurance
Relm sells Tech E&O and Fintech E&O through brokers; The Hartford underwrites FailSafe with listed agreements and a per-employee cost range.
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 1,2
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. 4,5,6
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. 8,9,10
Key Differences in Tech E&O Insurance
Relm Product Versus FailSafe Underwriting
Relm markets Technology Errors and Omissions as professional liability for the technology sector, sold through brokers, and does not name the issuing insurer. The Hartford underwrites FailSafe as its technology E&O product for companies whose products or services can cause a customer’s pure financial loss. 3 7
Fintech Variant Versus FailSafe Feature List
Relm offers Fintech E&O when standard Tech E&O is not enough for blockchain-related vulnerabilities and regulatory scrutiny. The Hartford lists FailSafe features: errors and omissions, security, data privacy and network security, personal injury, intellectual property and media liability, and treats cyberattacks and data leaks as a separate cyber product. Relm also states that Tech E&O and cyber overlap without replacing each other. 3 7
Who Each Page Names
The Hartford names software and IT specialists, hardware and electronics manufacturers, and telecommunications providers. Relm says a business is exposed if it delivers software or tech services, citing AI-related examples such as biased decisions, model theft or data poisoning. 7 3
Cost Disclosure
The Hartford cites a typical cost of about $500 to $1,000 per year per employee. Relm’s reviewed page does not publish premium or limit amounts. 7 3
What to Confirm in Tech E&O Insurance Quotes
- Ask which insurer would issue Relm’s product if you are comparing it with FailSafe. 3 7
- If you are fintech, ask Relm whether Fintech E&O is quoted, and how FailSafe treats blockchain and regulatory claims. 3 7
- Compare FailSafe’s IP and media agreements with Relm’s Tech E&O description. 7 3
- Get actual premium, limits and retentions; treat Hartford’s per-employee range as typical, not a quote. 7 3
Offering Details
Relm Insurance vs The Hartford Tech E&O Insurance: documented features by provider
| Criteria | Relm Technology Errors and Omissions Insurance | The Hartford FailSafe Technology Errors and Omissions Insurance |
|---|---|---|
| Role in This Line | Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. 3Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. | 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. 7Company-reported. Technology E&O product page as read 2026-09-23. |
| Issuing Insurer | The reviewed page does not name a specific issuing insurer for Tech E&O placements. 3Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. | Not described in the reviewed sources. |
| Who It’s For | Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. 3Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company. | 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). 7Company-reported. Technology E&O product page as read 2026-09-23. |
| Coverage Features | Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. 3Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control. Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. 3Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product. Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. 3Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section. | 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. 7Company-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. 7Company-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 Relm Insurance vs The Hartford Comparisons
Other Tech E&O Insurance Comparisons
Sources
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Cyber and Technology Errors and Omissions. Relm Insurance; What is Tech E&O Insurance?; Who Needs Cyber and Tech E&O Insurance?; What is Fintech Errors and Omissions Insurance? 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.
