At Bay vs The Hartford: Technology E&O Insurance

The Hartford prices Tech E&O at typically about $500 to $1,000 per employee a year under its FailSafe suite. At-Bay publishes limits and revenue ranges instead, up to $10 million and $5 billion.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

The Hartford gives you a budget up front, about $500 to $1,000 per employee a year, for a FailSafe suite that adds privacy, IP and media liability to Tech E&O; At-Bay publishes limits up to $10 million and broader contract terms, with Stance security services on every policy. The Hartford publishes no limits.

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    At-Bay Begins Issuing Policies on its own E&S Paper

    At-Bay · August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023" · accessed 2026-09-23

  3. 03
    Claims Handling

    At-Bay · At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team · accessed 2026-09-23

  4. 04
    Licenses

    At-Bay · At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table · accessed 2026-09-23

  5. 05
    Tech E&O Insurance Coverage and Policy Highlights

    At-Bay · Tech E&O Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7 · accessed 2026-09-23

  6. 06
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  7. 07
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  8. 08
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  9. 09
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  10. 10
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  11. 11
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

What Are the Key Differences Between At-Bay and The Hartford Tech E&O Insurance?

Broad Liability Suite vs Contract-Focused E&O

The Hartford's FailSafe Technology Liability Product Suite, for companies whose products or services can cause a customer financial loss, lists errors and omissions, security, data privacy and network security, personal injury, and intellectual property and media liability, separate from its cyber policy. At-Bay's Tech E&O focuses on negligence, contractual indemnity and broader contract and IP terms, and doesn't name media or personal-injury cover. Choose The Hartford if you're a software, IT, hardware or telecom firm with media or content exposure; choose At-Bay if your contracts carry heavy warranty or indemnity obligations. [10] [5]

A Per-Employee Price vs a Published Limit

The Hartford says tech E&O typically costs about $500 to $1,000 per employee per year, so a 20-person firm can budget roughly $10,000 to $20,000, but it publishes no limits. At-Bay publishes a revenue ceiling of $5 billion and limits up to $10 million, but no price. The Hartford names software and IT specialists, including federal IT contractors, hardware and electronics manufacturers and telecom providers; At-Bay doesn't list industries. [10] [5]

Security Services Only at At-Bay

Every At-Bay Tech E&O policy includes Stance security services. The Hartford's Tech E&O page describes no comparable service tied to FailSafe. [5] [10]

What Should You Confirm in At-Bay and The Hartford Tech E&O Insurance Quotes?

  • Ask The Hartford which FailSafe coverages are on your quote. [10] [5]
  • Ask both for limits, retentions and the issuing company. [10] [5]
  • Ask how IP, media and privacy cover interacts with any separate cyber policy you hold. [10] [5]

Areas of coverage

At-Bay

  • role: At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.company-reportedSource ↗Source ↗
  • insurer: The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. Tech E&O product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account.company-reportedSource ↗Source ↗
  • coverage: At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. Product-page coverage highlights; the issued policy and endorsements control actual terms.company-reportedSource ↗
  • coverage: At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. Product-page coverage highlights; the issued policy and endorsements control actual terms.company-reportedSource ↗
  • limits: At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.company-reportedSource ↗
  • services: Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.company-reportedSource ↗
  • application: You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.company-reportedSource ↗
  • claims: At-Bay's claims-handling page describes a cyber incident roadmap and breach-coach hotline for ransomware and system-interruption events, but the reviewed page does not describe a separate process for a Tech E&O claim that does not involve a cyber incident, such as a professional-liability or contract dispute. Claims-handling page as read on 2026-09-23; does not establish that no Tech E&O-specific process exists, only that this page does not describe one.not-foundSource ↗

The Hartford

  • role: 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. Technology E&O product page as read 2026-09-23.company-reportedSource ↗
  • coverage: 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. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.company-reportedSource ↗
  • eligibility: 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). Technology E&O product page as read 2026-09-23.company-reportedSource ↗
  • limits: 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. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit.company-reportedSource ↗

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