Relm Insurance vs The Hartford: How Do They Compare for Tech E&O Insurance?

A fintech or blockchain-exposed company can look at Relm Insurance and its separate fintech E&O product. The Hartford instead lists FailSafe features from IP to media liability and puts typical cost near $500 to $1,000 per employee a year.

Relm fits fintech and blockchain companies: it adds a Fintech E&O variant for blockchain vulnerabilities and regulatory scrutiny, sold through brokers. The Hartford's FailSafe fits software, hardware and telecom firms, listing security, privacy, IP and media liability and a typical cost of $500 to $1,000 per employee per year. ^1,²

What Are the Key Differences Between Relm Insurance and The Hartford Tech E&O Insurance?

Fintech and Blockchain Variant vs a Listed Feature Set

Relm sells Technology E&O through brokers and adds Fintech E&O when standard cover isn't enough for blockchain vulnerabilities and regulatory scrutiny. The Hartford underwrites FailSafe, listing errors and omissions, security, data privacy and network security, personal injury, IP and media liability, with cyberattacks and data leaks covered by a separate cyber policy. Choose Relm if you're a fintech or blockchain company; choose The Hartford if you're a software, IT, hardware or telecom firm that wants IP and media liability named. ¹ ²

AI Risks Named vs Hardware and Telecom Named

Relm says you're exposed if you deliver software or tech services and cites AI risks such as biased decisions, model theft and data poisoning; it also says Tech E&O and cyber overlap without replacing each other. The Hartford names software and IT specialists, hardware and electronics makers, and telecom providers. ¹ ²

Published Typical Cost vs No Price

The Hartford says technology E&O typically costs about $500 to $1,000 per employee per year, so a 20-person firm can budget roughly $10,000 to $20,000. Relm publishes no premium or limits. ² ¹

What Should You Confirm in Relm Insurance and The Hartford Tech E&O Insurance Quotes?

Ask which insurer issues Relm's policy; The Hartford underwrites FailSafe itself. ¹ ²
If you're in fintech, ask Relm to quote Fintech E&O, and ask The Hartford how FailSafe treats blockchain and regulatory claims. ¹ ²
Confirm IP, media and security liability on the actual FailSafe form. ²
Get actual premium, limits and retentions; The Hartford's range is typical pricing, not your quote. ² ¹

Relm Insurance vs The Hartford Tech E&O Insurance Compared

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
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. ¹Company-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). ²Company-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. ¹Company-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. ¹Company-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. ¹Company-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. ²Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.
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. ¹Company-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. ²Company-reported. Technology E&O product page as read 2026-09-23.

Criteria

Relm Technology Errors and Omissions Insurance

The Hartford FailSafe Technology Errors and Omissions Insurance

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. ¹Company-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). ²Company-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. ¹Company-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. ¹Company-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. ¹Company-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. ²Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.

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. ¹Company-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. ²Company-reported. Technology E&O product page as read 2026-09-23.