The Hartford vs Vouch Professional Liability (E&O) Insurance

The Hartford publishes exact minimum premiums for named E&O products; Vouch discloses the insurers behind its program partner's E&O line.

What Is The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. ^1,^2,³

Read the The Hartford profile

What Is Vouch Insurance?

Vouch is a business insurance broker and risk advisor for startups and growing companies. Buyers can apply online and work with advisors to arrange coverage, review contract requirements and manage insurance across carriers. ^5,^6,^7,⁸

Read the Vouch profile

What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. ^12,^13,^14,¹⁵

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

Direct Insurer Pricing vs. a Broker's Program Partner

The Hartford breaks the line into five named products, each with its own published average minimum monthly premium. ⁴ Vouch is a broker rather than an insurer for this line, and lists Errors & Omissions among the coverages it places through named program partners, including Corix, which has a dedicated E&O product. ⁹

Who Underwrites the Policy

The Hartford's page describes the professional liability products as its own, without a separate named issuing entity distinct from The Hartford brand. ⁴ Vouch's program partner Corix discloses that its E&O line is issued by State National Insurance Company or United Specialty Insurance Company, though that names an insurer for Corix-branded E&O specifically, not for every Vouch professional-liability placement. ¹¹

Who Each Company Targets

The Hartford names accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. ⁴ Vouch markets its professional E&O to accounting and finance, architecture, engineering and construction, IT consulting, management consulting, and marketing and creative agency firms. ⁹

What to Confirm in Professional Liability (E&O) Insurance Quotes

Ask The Hartford which of its five priced products applies to your profession, since the average minimums vary widely. ⁴
Ask Vouch whether your placement would go through Corix or another program partner, since the named insurers apply to Corix-branded E&O specifically. ¹¹
Ask whether an extended reporting period is available from The Hartford if you switch professions later. ⁴
Neither company's reviewed page publishes limits or retentions in dollar terms for these products; ask both for specific figures. ⁴ ⁹

Offering Details

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

Criteria	The Hartford Professional Liability Insurance (Errors & Omissions)	Vouch Errors & Omissions Insurance
Role in This Line	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. ⁴Company-reported. Professional liability product page as read 2026-09-23.	Vouch is a broker, not an insurer, for professional errors & omissions coverage. It lists Errors & Omissions among the core coverages it places for professional-services clients, and one of its named program partners, Corix, has a dedicated E&O product. ^9,¹⁰Company-reported. Vouch's Professional Services page and Corix's cyber/E&O product page.
Issuing Insurer	Not described in the reviewed sources.	Corix's disclosures say its proprietary products, including its E&O line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded E&O products specifically, not for every Vouch professional-liability placement. ¹¹Company-reported. Corix disclosures page.
Who It’s For	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. ⁴Company-reported. Professional liability product page as read 2026-09-23.	Vouch markets professional E&O to accounting and finance, architecture/engineering/construction, IT consulting, management consulting, and marketing and creative agency firms. ⁹Company-reported. Vouch's Professional Services page; not an underwriting appetite guarantee for any specific applicant.
Coverage Features	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. ⁴Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.	Corix describes E&O as protecting a business against claims of negligence, mistakes or inadequate work that cause a client financial loss in the provision of professional services, including legal defense costs and any damages awarded, even when the claim is ultimately groundless. ¹⁰Company-reported. Corix's cyber and E&O product page; actual insuring agreements and exclusions are set by the issued policy.
Limits and Retentions	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. ⁴Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.	Neither the Vouch nor Corix pages publish E&O policy limits or retentions. ^9,¹⁰Not publicly disclosed. Pages checked on 2026-09-23.
How to Apply	Not described in the reviewed sources.	Corix's E&O product page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. ^10,⁹Company-reported. Corix product page and Vouch site navigation.

Full Comparison

More The Hartford vs Vouch Comparisons

Other Professional Liability (E&O) Insurance Comparisons

Sources

The Hartford

Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
Professional Liability Insurance Coverage. The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23.

Vouch

Vouch Homepage. Vouch; Hero identifying Vouch as an insurance broker; Industries; Services; footer identifying Vouch Specialty and qualifying product availability. Accessed 2026-09-15.
Start a Vouch Application. Vouch; Public first screen: legal business name, website/no-website option, address and location type, applicant role and contact fields, consent, and existing-customer sign-in. Accessed 2026-09-15.
Carrier Options in One Place. Vouch; 26 November 2025: Choice Without the Chaos; Clarity That Builds Confidence; One Relationship, Many Solutions; final producer/underwriting disclosure. Accessed 2026-09-15.
Contract Requirement Review. Vouch; Coverage that keeps your deals moving; Tailored to your contract; Effortless Experience (reviews and COIs). Accessed 2026-09-15.
Insurance for Professional Services Firms. Vouch; Expertise across professional services: Accounting & Finance, Architecture/Engineering/Construction, IT Consulting, Management Consulting, Marketing & Creative Agencies; Core coverages for Professional Services: Errors & Omissions, General Liability, Cyber Liability, Employment Practices Liability, Workers' Compensation. Accessed 2026-09-23.
Cyber and Errors & Omissions. Corix Insurance; Errors & Omissions insurance provided by Corix helps protect businesses for claims of negligence, mistakes, or inadequate work that causes a financial loss to clients, in the provision of professional services. It includes legal defense costs and damages awarded, even when the claim is groundless. Accessed 2026-09-23.
Legal Disclosures. Corix Insurance; Policies are issued by State National Insurance Company (NAIC# 12831) or United Specialty Insurance Company (NAIC#12537). Accessed 2026-09-23.

Professional Liability (E&O) Insurance Guide

FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.