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

RiskCube is an independent brokerage that compares carriers and typically returns quotes within about 24 hours; The Hartford offers FailSafe tech E&O and gives a cost guide of $500 to $1,000 per employee a year.

The Hartford writes FailSafe Tech E&O itself with IP, media, security and privacy liability built in, at a typical $500 to $1,000 per employee a year; RiskCube is a broker that shops insurers for AI, fintech, govtech, defense, space and Web3 companies, whose Tech E&O forms commonly exclude IP claims. ^3,^1,²

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

Standard Insurer Product vs Broker for Niche Tech

The Hartford underwrites FailSafe for companies whose products or services can cause a customer financial loss, naming software and IT specialists including federal IT contractors, hardware and electronics makers, and telecom providers. RiskCube is an independent broker that compares Tech E&O across unnamed insurers for AI/ML, fintech, govtech, defense, space and Web3 companies. Choose The Hartford if you are a conventional software, IT, hardware or telecom business and want IP cover built in; choose RiskCube if you are in defense, space, crypto or AI, which The Hartford doesn’t name. ³ ¹ ²

IP Covered vs IP Commonly Excluded

FailSafe lists intellectual-property liability alongside E&O, security, privacy, personal-injury and media liability. RiskCube lists patent and other IP infringement among common Tech E&O exclusions. If your product could draw an IP claim, The Hartford starts ahead; ask RiskCube for the exact wording. ³ ¹

Published Price vs None

The Hartford reports a typical cost of about $500 to $1,000 per employee a year. RiskCube publishes no price or limits. ³ ¹

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

Ask RiskCube which insurer it is placing you with. ² ³
Ask RiskCube whether IP claims are excluded on your form. ³ ¹
Defense, space and Web3 companies: ask The Hartford whether it will quote you. ¹ ³
Get limits in writing from both and check them against any contract-required minimum. ³ ¹

RiskCube vs The Hartford Tech E&O Insurance Compared

RiskCube vs The Hartford: Tech E&O Insurance: documented features by provider

Criteria	RiskCube Technology Errors and Omissions (E&O) Insurance	The Hartford FailSafe Technology Errors and Omissions Insurance
Who It’s For	RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. ¹Company-reported. Tech E&O product page "Who needs this coverage" 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). ³Company-reported. Technology E&O product page as read 2026-09-23.
Coverage Features	RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. ¹Company-reported. Tech E&O product page "What's covered" section. RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. ¹Company-reported. Tech E&O product page "Common Exclusions" 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. ³Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ¹Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.	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. ³Company-reported. Technology E&O product page as read 2026-09-23.

Criteria

RiskCube Technology Errors and Omissions (E&O) Insurance

The Hartford FailSafe Technology Errors and Omissions Insurance

Who It’s For

RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. ¹Company-reported. Tech E&O product page "Who needs this coverage" 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). ³Company-reported. Technology E&O product page as read 2026-09-23.

Coverage Features

RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. ¹Company-reported. Tech E&O product page "What's covered" section.

RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. ¹Company-reported. Tech E&O product page "Common Exclusions" 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. ³Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.

Role in This Line

RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ¹Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.

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. ³Company-reported. Technology E&O product page as read 2026-09-23.