TechInsurance vs The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?

TechInsurance reports a median E&O cost of $88 a month; The Hartford lists average minimum monthly premiums by product, such as $146 for technology company E&O, and targets businesses whose contracts require coverage.

TechInsurance publishes a single median E&O premium of $88 a month across the professions it targets, while The Hartford publishes five separate average minimum monthly premiums by named product, from $38 for healthcare to $239 for architects and engineers. ^1,²

What Are the Key Differences Between TechInsurance and The Hartford Professional Liability (E&O) Insurance?

One Median Price vs. Five Priced Products

TechInsurance publishes a single median premium across its E&O policyholders:

TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. ¹Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

The Hartford instead breaks the line into five named products, each with its own published average minimum monthly premium, ranging from $38 for healthcare professionals to $239 for architects and engineers. ²

When comparing TechInsurance and The Hartford, use published pricing as a budget screen; the actual quote still decides the cost comparison.

Claims-Made Mechanics

Both companies describe their E&O policies as claims-made. TechInsurance says coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends a retroactive date to cover past work. ¹ The Hartford describes a retroactive date and an extended reporting period, typically 30 to 60 days and extendable to a year or more for an added cost, while noting some of its policies are written on an occurrence basis instead. ²

Who Each Company Targets

TechInsurance names IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants. ¹ The Hartford names accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. ²

What Should You Confirm in TechInsurance and The Hartford Professional Liability (E&O) Insurance Quotes?

Ask TechInsurance how your specific industry, limit and claims history move you away from its published $88 monthly median. ¹
Ask The Hartford which of its five priced products applies to your profession, since the average minimums vary widely. ²
Ask both companies whether an extended reporting period is available and at what added cost. ¹ ²
Neither company's reviewed page names the issuing insurer; ask both directly. ¹ ²

TechInsurance vs The Hartford Professional Liability (E&O) Compared

TechInsurance vs The Hartford: Professional Liability (E&O) Insurance: documented features by provider

Criteria	TechInsurance Errors and Omissions Insurance	The Hartford Professional Liability Insurance (Errors & Omissions)
Limits and Retentions	TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. ¹Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.	The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. ²Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.
Who It’s For	TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. ¹Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.	The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. ²Company-reported. Professional liability product page as read 2026-09-23.
Coverage Features	TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. ¹Company-reported. Errors and omissions product page; general policy description, not a specific policy form. TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. ¹Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.	The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. ²Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.
Role in This Line	TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. ¹Company-reported. Errors and omissions product page.	The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. ²Company-reported. Professional liability product page as read 2026-09-23.