Berkshire Hathaway Specialty Insurance vs The Hartford: Technology E&O Insurance

The Hartford states typical pricing of about $500 to $1,000 per employee a year for its FailSafe Tech E&O. Berkshire Hathaway Specialty Insurance names target classes such as IT staffing, software developers and system integrators.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

Areas of coverage

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI’s U.S. Professional First overview names Technology E&O as a distinct product offering. Named U.S. product in dated overview; terms, form and current transaction availability are not provided by the catalogue listing.company-reportedSource ↗
  • eligibility: The Professional First overview identifies IT training, IT staffing, internet service providers, software design and development, and system integration as Technology Services E&O target customers. Target classes in the U.S. overview dated 2026-06-03-A; does not make technology consulting, telecommunications consulting or managed-service-provider risks ordinary targets.company-reportedSource ↗
  • eligibility: The same overview separates technology consulting, telecommunications consulting services and managed service providers as select customers. U.S. selection qualification applies; no general eligibility inference.company-reportedSource ↗
  • services: The Professional First overview describes an in-house claims group integrated with underwriting and streamlined claim reporting for its professional-line portfolio. Portfolio-level company-reported service, not technology-specific outcomes or an individual-policy claim promise.company-reportedSource ↗

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 ↗

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and The Hartford Tech E&O Insurance?

Listed Coverage Features

The Hartford lists E&O, security, data privacy, network security, personal injury, IP and media liability features in its FailSafe Technology E&O suite, and distinguishes it from separate cyber coverage. Berkshire Hathaway Specialty Insurance names Technology E&O as a product and lists software design, systems integration, IT training and staffing as targets. A buyer should compare the proposed grants and exclusions, especially where professional services and cyber exposures overlap. [8] [3]

Business Classes and Price

The Hartford names software and IT specialists, hardware manufacturers and telecom providers as buyers and gives an indicative $500 to $1,000 annual cost per employee, while noting that limits vary. Berkshire Hathaway Specialty Insurance identifies specific technology target classes but no price or limit in its overview; some consulting and MSP work is selective. Compare written quotes at the same limit and confirm any select underwriting review. [8] [3]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and The Hartford Tech E&O Insurance Quotes?

  • Which FailSafe features are in the base form versus endorsements, and what limit supports the per-employee price estimate? [8]
  • Is your Berkshire Hathaway Specialty Insurance technology activity a standard target class or a select account, and what limit can it quote? [3]

The Hartford’s FailSafe list includes professional, privacy, IP and media features for software, hardware and telecom buyers; Berkshire Hathaway Specialty Insurance identifies specific target and select classes.

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
    Professional First Architects, Engineers and Consultants Professional Liability

    Berkshire Hathaway Specialty Insurance · Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. · accessed 2026-09-28

  3. 03
    Professional First Professional Liability Overview

    Berkshire Hathaway Specialty Insurance · PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. · accessed 2026-09-28

  4. 04
    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

  5. 05
    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

  6. 06
    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

  7. 07
    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

  8. 08
    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

  9. 09
    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

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