TechInsurance vs WTW: How Do They Compare for Cyber Insurance?

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. ⁴Company-reported. Cyber liability product page.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹¹Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

The reviewed cyber liability page does not name the issuing insurer for a cyber policy; TechInsurance says it collects an application and returns quotes from multiple carriers rather than naming one insurer upfront. ⁴Not publicly disclosed. Cyber liability product page as read on 2026-09-23.

The reviewed WTW sources do not identify an issuing insurer for a specific cyber placement. ^11,10,7Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

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. ⁴Company-reported. Who needs cyber liability insurance section of the product page.

Confirm in your quote.

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. ⁴Company-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. ⁴Company-reported. What isn't covered by cyber liability insurance section of the product page.

WTW's FY2024 annual report lists cyber insurance among FINEX solutions; its Digital Infrastructure Protector describes cyber protection as one part of a broader data-center solution. ^10,7Company-reported. Historical group-level FINEX capability and a separately scoped data-center solution; neither source establishes current standalone cyber terms or eligibility.

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. ⁴Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

The reviewed sources do not state a buyer-specific cyber limit, retention, or deductible. ^11,10,7Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

The reviewed cyber liability page does not describe ongoing security monitoring or other risk-management services for policyholders; it focuses on coverage, cost and how to buy. ⁴Not found in reviewed sources. Cyber liability product page as read on 2026-09-23.

WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹¹Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. ⁴Company-reported. Cyber liability product page application and certificate sections.

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹¹Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.