---
title: "RiskCube vs The Hartford: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/riskcube-vs-the-hartford/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "riskcube-vs-the-hartford"
provider-a: "riskcube"
provider-b: "the-hartford"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/riskcube-vs-the-hartford/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of RiskCube 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 RiskCube 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:**
- RiskCube vs The Hartford for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, RiskCube or The Hartford?
- What does RiskCube or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: RiskCube 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:**
- [RiskCube vs The Hartford](https://spot.insure/compare/riskcube-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
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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’s FailSafe Tech E&O covers IP and media liability by name at about $500 to $1,000 per employee a year, while RiskCube shops Tech E&O for AI, defense, space and Web3 firms where IP claims are commonly excluded.

## RiskCube vs The Hartford Tech E&O Insurance Summary

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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [2](https://riskcubeai.com/disclosures "Disclosures & Compensation")

## 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [2](https://riskcubeai.com/disclosures "Disclosures & Compensation")

### 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

### 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

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

- Ask RiskCube which insurer it is placing you with. [2](https://riskcubeai.com/disclosures "Disclosures & Compensation") [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")
- Ask RiskCube whether IP claims are excluded on your form. [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")
- Defense, space and Web3 companies: ask The Hartford whether it will quote you. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")
- Get limits in writing from both and check them against any contract-required minimum. [3](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

## RiskCube vs The Hartford Tech E&O Insurance Compared

| 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. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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). [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 | 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. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "What's covered" section..)<br><br>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. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [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 | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [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 RiskCube and The Hartford and Tech E&O Insurance

- [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/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 RiskCube vs The Hartford Tech E&O Insurance

- [RiskCube vs The Hartford](https://spot.insure/compare/riskcube-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.
- [RiskCube Tech E&O Insurance](https://spot.insure/insurance-providers/riskcube/technology-errors-omissions)
- [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions)

## Sources for RiskCube vs The Hartford Tech E&O Insurance

### Sources About RiskCube

1. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). RiskCube; Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. Accessed 2026-09-23.
2. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". 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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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