Coalition vs Resilience: Technology E&O Insurance

Resilience targets technology firms with $25 million to $10 billion in revenue, advertising limits up to $10 million. Coalition markets Tech E&O to organizations providing technology for a fee, but only paired with its Active Cyber policy.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-29

Coalition only sells tech E&O combined with its Active Cyber policy, through brokers, with one team handling both kinds of claim and no published revenue screen. Resilience targets companies with $25 million to $10 billion in revenue, with limits up to $10 million and a dedicated 24/7 claims manager.

What Are the Key Differences Between Coalition and Resilience Tech E&O Insurance?

Any Tech Company With Cyber vs a $25 Million Revenue Floor

Coalition sells tech E&O only in combination with Active Cyber Insurance, through appointed brokers, to any organization that charges a fee for a technology product or service; it publishes no revenue band or tech E&O limit. Resilience targets US tech companies with $25 million to $10 billion in revenue, writing primary or excess layers with limits up to $10 million. Choose Coalition if you are under $25 million in revenue or want E&O and cyber from one insurer; choose Resilience if you are a larger company that needs a published $10 million limit or an excess layer. [4] [11]

One Combined Claims Team vs a Dedicated 24/7 Manager

Coalition says the same in-house team handles your tech E&O and cyber claims together. Resilience runs a 24/7 in-house claims and incident-response team that assigns you one manager from triage through settlement, backed by outside privacy, forensics and crisis specialists. [4] [9]

What Should You Confirm in Coalition and Resilience Tech E&O Insurance Quotes?

  • Ask Resilience whether your revenue falls inside $25 million to $10 billion, and whether its $10 million is primary or excess on your quote. [11]
  • Ask which company issues each policy. Resilience names Homeland Insurance Company of New York or Delaware, distributed by Ocrea Risk Services; Coalition’s disclaimer names no tech E&O insurer, so check the declarations. [10] [5]
  • Ask how Coalition Control and Resilience’s specialist panel apply once you are insured. [3] [9]

Areas of coverage

Coalition

  • role: Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. Tech E&O product page as read on 2026-09-23.company-reportedSource ↗
  • eligibility: Coalition markets Tech E&O to any organization that provides a technology product or service in exchange for a fee, citing exposures such as software downtime and failures in technology services or products. Tech E&O product page as read on 2026-09-23.company-reportedSource ↗
  • coverage: Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.company-reportedSource ↗
  • insurer: Coalition's disclaimer page lists Non-Admitted Cyber, Admitted Cyber, and Admitted Executive Risk sections naming specific carriers, but has no equivalent 'Admitted Tech E&O' section, indicating Tech E&O is placed on a non-admitted (surplus lines) basis with unaffiliated insurers that the disclaimer does not name. U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer for a given policy.not-disclosedSource ↗
  • services: Coalition says Tech E&O policyholders get access to Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring, and zero-day alerts, the same platform provided to cyber policyholders. Tech E&O and Coalition Control pages as read on 2026-09-23.company-reportedSource ↗Source ↗
  • claims: Coalition says the same in-house claims team handles both Tech E&O and cyber claims in one place, which it describes as a faster, more integrated resolution process. Tech E&O product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.company-reportedSource ↗
  • application: Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. Tech E&O product page as read on 2026-09-23.company-reportedSource ↗

Resilience

  • role: Resilience markets technology E&O as professional liability coverage for technology companies with complex risk, distributed in the US by a separate insurance agency rather than underwritten by the Resilience brand itself. Technology E&O product page introduction, accessed 2026-09-23.company-reportedSource ↗
  • insurer: Resilience's US disclosure states that technology E&O products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The product page separately says capacity comes through "approved underwriting companies" rated by AM Best, without naming an insurer beyond the two Homeland entities. US paragraph of Resilience's disclaimer page and the "Superior Capacity" benefit on the product page, both accessed 2026-09-23; product- and state-specific issuer mapping is not published.company-reportedSource ↗Source ↗
  • eligibility: Resilience targets US technology E&O business with $25 million to $10 billion in revenue for primary and excess placements, spanning technology services, technology hardware, data centers, telecommunications, software and web services. "A Broad Market Appetite" benefit and segment list on the product page, accessed 2026-09-23; smaller companies fall outside the published revenue range.company-reportedSource ↗
  • limits: Resilience advertises technology E&O limits up to $10 million, available on both a primary and an excess basis. The page does not publish retentions or deductibles. "A Broad Market Appetite" benefit, accessed 2026-09-23; the figure is a marketing maximum, not a specific quote.company-reportedSource ↗
  • coverage: Resilience says its policy endorsements are integrated directly into the policy form, which it calls "Coverage Certainty," for what it describes as a straightforward, beginning-to-end read rather than a base form layered with separate endorsement documents. "Coverage Certainty" benefit on the product page; the actual policy as issued controls.company-reportedSource ↗
  • coverage: Resilience lists six technology segments it underwrites for E&O: technology services (MSP/MSSP, consulting, staffing, storage services, VARs), technology hardware and networking equipment manufacturing, data centers, telecommunications, software (including AI, security software and payment processors) and web services. "Comprehensive coverage for technology risks" segment list on the product page, accessed 2026-09-23.company-reportedSource ↗
  • claims: Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. The reviewed pages do not describe a claims process specific to technology E&O separate from this shared claims team. Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified.company-reportedSource ↗
  • application: The reviewed technology E&O product page does not describe a self-service online application or quoting process; it routes visitors to request a quote rather than showing an application flow. Technology E&O product page, accessed 2026-09-23.not-disclosedSource ↗

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
    Coalition Control

    Coalition · Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts · accessed 2026-09-23

  4. 04
    Tech E&O Insurance Coverage

    Coalition · Who's It For?; Coalition Advantage: comprehensive protection, compounded benefits through cyber coverage, streamlined claims handling, Coalition Control; Tech E&O Claims: causes list · accessed 2026-09-23

  5. 05
    U.S. Disclaimers

    Coalition · Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted Tech E&O' section appears on the page · 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
    Claims & Incident Response

    Resilience · "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel · accessed 2026-09-23

  10. 10
    Disclaimer

    Resilience · USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC" · accessed 2026-09-23

  11. 11
    Technology E&O

    Resilience · "Comprehensive coverage for technology risks" segment list; "Key Benefits" section: A Broad Market Appetite, Comprehensive Coverage, Coverage Certainty, Superior Capacity · accessed 2026-09-23

  12. 12
    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

  13. 13
    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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