--- title: "TechInsurance vs The Hartford: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/techinsurance-vs-the-hartford/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "techinsurance-vs-the-hartford" provider-a: "techinsurance" 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/techinsurance-vs-the-hartford/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of TechInsurance 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 TechInsurance 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:** - TechInsurance vs The Hartford for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, TechInsurance or The Hartford? - What does TechInsurance or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: TechInsurance 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:** - [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-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 - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile # 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 bundles E&O with cyber at a reported $67 monthly median but leaves out IP disputes by default, while The Hartford's FailSafe includes IP and media liability and sells cyber separately. ## TechInsurance vs The Hartford Tech E&O Insurance Summary 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [2](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 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Ask TechInsurance whether IP cover can be added, and check it's on the FailSafe quote. [1](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Decide whether you need TechInsurance's cyber half or The Hartford's separate cyber policy alongside FailSafe. [1](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [2](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ## TechInsurance vs The Hartford Tech E&O Insurance Compared | 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. [1](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [2](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 | 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. [1](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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). [2](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 | 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). [1](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [2](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 | 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. [1](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [2](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 TechInsurance and The Hartford and Tech E&O Insurance - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/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 TechInsurance vs The Hartford Tech E&O Insurance - [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-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. - [TechInsurance Tech E&O Insurance](https://spot.insure/insurance-providers/techinsurance/technology-errors-omissions) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) ## Sources for TechInsurance vs The Hartford Tech E&O Insurance ### Sources About TechInsurance 1. [Technology Errors and Omissions - Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. Accessed 2026-09-23. ### Sources About The Hartford 2. [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. 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