What Are the Key Differences Between Cowbell and The Hartford Tech E&O Insurance?
One Policy for E&O and Cyber vs Two Hartford Policies
Cowbell’s Prime Tech combines tech E&O with cyber in one policy for tech businesses up to $1 billion in revenue, including SaaS, IT consultants and hardware resellers, sold through agents with limits up to $5 million. The Hartford underwrites FailSafe for companies whose products or services can cause a customer financial loss, and sells cyber liability for attacks and data leaks separately. Choose Cowbell if you want one policy covering both a service failure and a breach; choose The Hartford if you are a software, IT, hardware or telecom firm that wants a per-employee price guide from a large insurer. [4] [8]
Contract-Friendly Wording vs IP and Media Features
Cowbell lists delay in delivery, negligence, misrepresentation, breach of warranty or contract, product failures, software copyright disputes, duty to defend, privacy regulatory defense and contractual indemnity, with no exclusions for guarantees, consequential damages or breach of warranties. The Hartford lists E&O, security, data privacy and network security, personal injury, IP and media liability. If customer contracts are your main exposure, Cowbell’s wording is more explicit; if you publish content, FailSafe names media cover. [4] [8]
Published Limits vs Published Price Range
Cowbell publishes limits up to $5 million but no pricing. The Hartford says tech E&O typically costs about $500 to $1,000 per employee a year but publishes no standard limits. [4] [8]
What Should You Confirm in Cowbell and The Hartford Tech E&O Insurance Quotes?
- Ask The Hartford what adding its separate cyber policy costs, so you compare like with like. [4] [8]
- Ask Cowbell whether media and personal-injury claims are covered. [8] [4]
- Ask Cowbell which insurer issues Prime Tech. It is written outside the standard state-regulated market, so state guaranty-fund protection generally does not apply. Get actual limits from The Hartford. [4] [8]