Chubb vs The Hartford: Technology E&O Insurance

The Hartford's FailSafe suite covers software, hardware and telecom firms and typically costs about $500 to $1,000 per employee a year. Chubb's DigiTech ERM is quoted by agents and brokers and merges Tech E&O with media and cyber.

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

The Hartford sells FailSafe Tech E&O separately from its cyber policy and says it typically costs $500 to $1,000 per employee a year. Chubb's DigiTech ERM puts Tech E&O, media and cyber in one policy, with no published price but a 24/7 incident-response panel.

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
    Cyber Insurance Coverage & Products

    Chubb · DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM · accessed 2026-09-23

  3. 03
    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

  4. 04
    Insurance for Software Product & System Developers

    Chubb · Property & casualty and financial-lines coverage solutions lists for software and systems developers · accessed 2026-09-23

  5. 05
    Insurance for Technology Companies

    Chubb · Products and services: E&O/Cyber listed among Chubb's technology-industry offerings · accessed 2026-09-23

  6. 06
    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

  7. 07
    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

  8. 08
    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

  9. 09
    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

  10. 10
    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 Chubb and The Hartford Tech E&O Insurance?

Separate Policies vs One Combined Policy

The Hartford's FailSafe covers tech firms whose products or services can cause a customer financial loss, and it sells cyber as a separate policy. Chubb's DigiTech ERM is one policy combining Tech E&O with media and cyber, built on its Cyber ERM base. Choose The Hartford if you already carry cyber elsewhere or want a per-employee budget figure; choose Chubb if you want E&O, media and cyber under one policy and one claims process. [9] [2]

Published Price vs Incident Response

The Hartford says Tech E&O typically costs about $500 to $1,000 per employee a year; Chubb publishes no price. DigiTech ERM policyholders get Chubb's incident-response panel, a 24/7 hotline and the Cyber Alert app, which The Hartford's Tech E&O pages don't describe. [9] [2]

Who Each Targets

Both name software or IT firms and hardware and electronics makers. The Hartford also names telecom providers; Chubb also names technology-services and consulting firms. [9] [2]

What Should You Confirm in Chubb and The Hartford Tech E&O Insurance Quotes?

  • Ask The Hartford whether FailSafe is quoted with or without its separate cyber policy. [9]
  • Get FailSafe limits; The Hartford says price depends on location, headcount, chosen limits and lawsuit history. [9]
  • Get DigiTech ERM limits and check its delay and copyright wording. [9] [2]

Areas of coverage

Chubb

  • role: Chubb underwrites technology errors and omissions coverage through DigiTech ERM, a single policy that combines tech E&O with media and cyber exposures rather than selling tech E&O standalone. Cyber Insurance Coverage & Products page, DigiTech ERM section.company-reportedSource ↗
  • eligibility: Chubb targets DigiTech ERM at software and system developers, technology-services and consulting firms, and electronics and hardware manufacturers, naming examples such as value-added resellers, system integrators, IT consultants and hardware distributors. DigiTech ERM Target Clients list.company-reportedSource ↗
  • coverage: Beyond the Cyber ERM base, Chubb says DigiTech ERM adds technology errors and omissions coverage for third-party financial injury from the insured's products or services, a broadened definition of "technology incident," and coverage for software copyright infringement and product-recall loss of use, with no exclusion for delays or failure to deliver. DigiTech ERM Product Features list; subject to the policy as issued.company-reportedSource ↗
  • limits: The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. Cyber Insurance Coverage & Products page as read on 2026-09-23.not-foundSource ↗
  • services: DigiTech ERM policyholders get the same cyber services as Cyber ERM, including a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM."company-reportedSource ↗
  • application: Agents and brokers can quote DigiTech ERM through Chubb's Cyber Central or Marketplace quoting platforms, and Chubb lists E&O/Cyber among the coverage solutions available to technology companies generally. Cyber Insurance Coverage & Products quoting section; technology-industry products list.company-reportedSource ↗Source ↗

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 ↗

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk