CNA vs Techinsurance: Technology E&O Insurance

TechInsurance sells tech E&O as a bundle of E&O and cyber liability for IT firms, with a median of $67 a month and IP coverage added separately. CNA offers Technology E&O for technology businesses, built around contract requirements.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

CNA names technology-specific contractual support and claims resources; TechInsurance combines E&O and cyber for IT businesses but says IP coverage usually requires an addition.

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
    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

  3. 03
    Cyber Insurance - Cyber Risk Solutions | CNA Insurance

    CNA · Cyber, Media, Technology & Professional Liability; product sections · accessed 2026-09-28

  4. 04
    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

  5. 05
    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

  6. 06
    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

  7. 07
    Technology Errors and Omissions - Tech E&O Insurance

    TechInsurance · Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure · accessed 2026-09-23

  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

What Are the Key Differences Between CNA and TechInsurance Tech E&O Insurance?

Bundled cyber and technology E&O

TechInsurance sells tech E&O as two policies, E&O plus cyber, for IT and technology businesses. CNA describes Technology E&O intended to support contractual requirements but does not say in its reviewed claims that cyber is bundled. If you want both forms through one channel, ask how TechInsurance coordinates the policies; if using CNA, confirm whether cyber is separate and how the two policies respond to a shared incident. [3] [7]

Intellectual-property terms and risk services

TechInsurance says its standard bundle does not automatically cover IP or copyright disputes and that these usually need to be added. CNA says its technology E&O supports contractual requirements and provides dedicated claims and privacy-risk resources, but the reviewed claim does not specify IP wording. Ask both for their copyright and software-IP clauses, plus the exact limits. TechInsurance’s listed services and CNA’s claims resources are not substitutes for checking the exclusions in the issued forms. [3] [7]

What Should You Confirm in CNA and TechInsurance Tech E&O Insurance Quotes?

  • Does CNA’s proposed form include copyright or software IP liability, and is cyber separate? [3]
  • What endorsement adds IP coverage to TechInsurance and how are defense costs allocated across the bundle? [7]

Areas of coverage

CNA

  • eligibility: CNA describes Technology E&O for technology businesses. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA says its technology E&O addresses contractual requirements and seeks to reduce coverage gaps. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA identifies responsive claims support and privacy/data-protection risk-control resources for technology clients. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

TechInsurance

  • role: TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. Tech E&O product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a tech E&O policy. Tech E&O product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). Tech E&O product page; general policy description, not a specific policy form.company-reportedSource ↗
  • coverage: TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.company-reportedSource ↗
  • eligibility: TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. Tech E&O product page, Technology professionals we insure section.company-reportedSource ↗
  • limits: TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗

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