--- title: "Risklytics vs The Hartford: Tech E&O Insurance" description: "Risklytics suits AI companies whose customers rely on their models, placing Tech E&O with specialist insurers and screening every form for AI exclusions; The Hartford suits established software, IT, hardware and telecom firms that want its FailSafe suite with security, privacy, IP and media liability. The Hartford gives a typical price of $500 to $1,000 per employee a year." canonical: "https://spot.insure/compare/risklytics-vs-the-hartford/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "risklytics-vs-the-hartford" provider-a: "risklytics" provider-b: "the-hartford" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/risklytics-vs-the-hartford/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Risklytics 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 Risklytics 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:** - Risklytics vs The Hartford for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Risklytics or The Hartford? - What does Risklytics or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Risklytics 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:** - [Risklytics vs The Hartford](https://spot.insure/compare/risklytics-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 - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile # Risklytics vs The Hartford: How Do They Compare for Tech E&O Insurance? The Hartford writes its own FailSafe tech E&O and puts typical cost at $500 to $1,000 per employee a year; Risklytics is a producer that places E&O with outside carriers and lists a typical ask of $1 million to $5 million per claim. Risklytics is a broker that reads every Tech E&O form for AI exclusions and sees typical $1 million to $5 million asks once customers rely on your model; The Hartford's FailSafe suite adds security, privacy, IP and media liability at about $500 to $1,000 per employee a year. ## Risklytics vs The Hartford Tech E&O Insurance Summary Risklytics suits AI companies whose customers rely on their models, placing Tech E&O with specialist insurers and screening every form for AI exclusions; The Hartford suits established software, IT, hardware and telecom firms that want its FailSafe suite with security, privacy, IP and media liability. The Hartford gives a typical price of $500 to $1,000 per employee a year. [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [2](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## What Are the Key Differences Between Risklytics and The Hartford Tech E&O Insurance? ### AI-Exclusion Screening vs a Broad Established Suite Risklytics is a licensed producer that places Tech E&O with outside specialist insurers and says it reads every form for AI exclusions, which can void cover for model-related claims. The Hartford's FailSafe suite, for software and IT specialists, hardware makers and telecom providers, lists errors and omissions, security, data privacy and network security, personal injury, and IP and media liability, with cyber sold separately. Choose Risklytics if customers rely on your AI model's output; choose The Hartford if you're an established tech business that wants broad listed cover from one insurer. [2](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### A Limit Benchmark vs a Price Benchmark Risklytics says customers typically ask for $1 million to $5 million per claim once they rely on your model, which helps you size the limit. The Hartford says tech E&O typically costs about $500 to $1,000 per employee per year and doesn't publish limits, which depend on location, headcount, limits chosen and lawsuit history. Use one number to set your limit and the other to budget, but neither is a quote. [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## What Should You Confirm in Risklytics and The Hartford Tech E&O Insurance Quotes? - Ask Risklytics which insurer it will bind with, and check the issuing company on a FailSafe quote. [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - If you use AI, ask The Hartford whether FailSafe has an AI exclusion; Risklytics checks for one on every form. [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Check that IP and media liability appear on your FailSafe quote. [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Compare your quoted limit with the $1 million to $5 million customers typically require. [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") ## Risklytics vs The Hartford Tech E&O Insurance Compared | Criteria | Risklytics Professional Liability (Tech E&O) Insurance | The Hartford FailSafe Technology Errors and Omissions Insurance | | --- | --- | --- | | Limits and Retentions | Risklytics lists a typical ask of $1 million to $5 million per claim for this line. [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) | 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. [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit..) | | Who It’s For | Risklytics says enterprise customers usually require this coverage in procurement before signing a first customer contract, and that it becomes relevant once a customer relies on a model's output. [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) | 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). [4](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 | Risklytics describes Tech E&O as responding when a company's product or service costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and distinguishes it from cyber liability, which covers hacks and data leaks rather than a model's own faulty output. [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | 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. [4](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 | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) Insurance with outside carriers; it says it does not underwrite policies itself. [2](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) | 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. [4](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 Risklytics and The Hartford and Tech E&O Insurance - [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/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 Risklytics vs The Hartford Tech E&O Insurance - [Risklytics vs The Hartford](https://spot.insure/compare/risklytics-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. - [Risklytics Tech E&O Insurance](https://spot.insure/insurance-providers/risklytics/technology-errors-omissions) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) ## Sources for Risklytics vs The Hartford Tech E&O Insurance ### Sources About Risklytics 1. [Professional Liability (Tech E&O) Insurance](https://www.risklytics.ai/lines/professional/). Risklytics; Coverage line: Professional Liability (Tech E&O); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23. 2. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23. 3. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23. ### Sources About The Hartford 4. [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). 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