TechInsurance vs The Hartford Tech E&O Insurance

TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ³Company-reported. Tech E&O product page.

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. ⁷Company-reported. Technology E&O product page as read 2026-09-23.

The reviewed page does not name the issuing insurer for a tech E&O policy. ³Not publicly disclosed. Tech E&O product page as read on 2026-09-23.

Not described in the reviewed sources.

TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ³Company-reported. Tech E&O product page, Technology professionals we insure 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). ⁷Company-reported. Technology E&O product page as read 2026-09-23.

TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ³Company-reported. Tech E&O product page; general policy description, not a specific policy form.

TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ³Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? 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. ⁷Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.

TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. ³Company-reported. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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. ⁷Company-reported. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit.