TechInsurance vs The Hartford: How Do They Compare for Tech E&O Insurance?

Pricing differs in form: TechInsurance quotes a median of about $67 a month for its E&O and cyber bundle, while The Hartford guides $500 to $1,000 per employee a year for FailSafe tech E&O with listed liability features.

TechInsurance sells Tech E&O as two policies, E&O plus cyber, at a reported median of about $67 a month, but IP and copyright disputes aren't included by default. The Hartford's FailSafe includes IP, media, security and privacy liability, with cyber sold separately. ^1,²

What Are the Key Differences Between TechInsurance and The Hartford Tech E&O Insurance?

IP Cover Included vs Left Out

The Hartford writes FailSafe itself and lists IP liability among its features, alongside errors and omissions, security, privacy, personal injury and media liability. TechInsurance says its standard bundle doesn't automatically include IP or copyright disputes. Choose The Hartford if IP or copyright claims are a real risk for your product; choose TechInsurance if you're a small tech firm that wants E&O and cyber together at a low published price. ¹ ²

Where Cyber Sits

TechInsurance packages Tech E&O as two policies: E&O plus cyber, split into first-party cover for your own systems and third-party cover for client systems you worked on. The Hartford keeps cyber for attacks and leaks as a separate policy. If you already carry cyber, FailSafe avoids buying it twice. ¹ ²

Price Signals

TechInsurance reports a median of about $67 a month across its customers. The Hartford says Tech E&O typically costs about $500 to $1,000 per employee a year. Both are company averages, not your rate. ¹ ²

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

Ask TechInsurance which insurers issue its two policies, and which Hartford company issues FailSafe. ¹ ²
Ask TechInsurance whether IP cover can be added, and check it's on the FailSafe quote. ¹ ²
Decide whether you need TechInsurance's cyber half or The Hartford's separate cyber policy alongside FailSafe. ¹ ²

TechInsurance vs The Hartford Tech E&O Insurance Compared

TechInsurance vs The Hartford: Tech E&O Insurance: documented features by provider

Criteria	TechInsurance Technology Errors and Omissions (Tech E&O) Insurance	The Hartford FailSafe Technology Errors and Omissions Insurance
Limits and Retentions	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. ¹Company-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. ²Company-reported. 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	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. ¹Company-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). ²Company-reported. Technology E&O product page as read 2026-09-23.
Coverage Features	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). ¹Company-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. ¹Company-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. ²Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	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. ¹Company-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. ²Company-reported. Technology E&O product page as read 2026-09-23.