TechInsurance vs 
The Hartford: How Do They Compare for Cyber Insurance?
Both state typical costs: TechInsurance reports a median of $129 a month with an online quote, while The Hartford reports about $320 a year for data breach coverage and offers a 24/7 Cyber Center.
TechInsurance arranges cyber quotes from multiple carriers and cites a $129 monthly median from its own customers. The Hartford sells a BOP endorsement, standalone CyberChoice or FailSafe Tech E&O and cites about $320 a year on average for data-breach coverage. 1,3
What Are the Key Differences Between TechInsurance and The Hartford Cyber Insurance?
Compared Quotes Versus Three Named Products
TechInsurance collects an application and returns quotes from multiple carriers rather than naming one insurer up front, and it often bundles cyber with technology E&O. The Hartford underwrites cyber itself as a BOP Data Breach endorsement, standalone CyberChoice First Response, or FailSafe Technology E&O. Choose TechInsurance if you want a multi-carrier small-business comparison; choose The Hartford if you want one of those three named structures from the same insurer. 1 3
Two Published Price Signals
TechInsurance reports a median from its own cyber book.
TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. 1Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
The Hartford reports customers pay about $320 a year on average for data-breach coverage. Those figures are not the same product, term or book, so treat each as a directional signal only. 3
Exclusions and Third-Party Treatment
TechInsurance names exclusions: professional negligence unrelated to a breach, physical device damage and data loss from hardware damage. The Hartford says it does not offer separate third-party cyber coverage and that risk may fall in its general liability grant. 1 3
What Should You Confirm in TechInsurance and The Hartford Cyber Insurance Quotes?
TechInsurance vs The Hartford Cyber Insurance Compared
TechInsurance vs The Hartford: Cyber Insurance: documented features by provider
| Criteria | TechInsurance Cyber Liability Insurance | The Hartford Cyber Insurance |
|---|---|---|
| Limits and Retentions | TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. 1Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. | The Hartford reports customers pay about $320 a year on average for data breach coverage; the page does not publish standard coverage limits or retentions, which it says depend on business operations, size and chosen coverage options. 3Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford March 10, 2026); not a specific quote. |
| Who It’s For | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. 1Company-reported. Who needs cyber liability insurance section of the product page. | The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. 3Company-reported. Cyber insurance product page as read 2026-09-23. |
| Coverage Features | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. 1Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. 1Company-reported. What isn't covered by cyber liability insurance section of the product page. | The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. 3Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Role in This Line | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. 1Company-reported. Cyber liability product page. | The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. 3Company-reported. Cyber insurance product page as read 2026-09-23. |
