Hub International vs Resilience: Technology E&O Insurance

Resilience advertises tech E&O limits up to $10 million and targets firms with $25 million to $10 billion in revenue. HUB International brokers customized policies for startups through established software, hardware and media businesses.

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

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

A $25 Million Revenue Floor vs Any-Size Broker

Resilience writes Tech E&O for US tech companies with complex risk and $25 million to $10 billion in revenue, primary or excess, with limits up to $10 million. HUB brokers tech E&O for startups and established software, hardware and digital-media firms, with no published revenue floor, and doesn't name insurers or publish limits. Choose Resilience if you're above $25 million in revenue and want up to $10 million from one insurer; choose HUB if you're smaller or want several insurers compared. [10] [4] [5]

Built-In Endorsements and In-House Claims vs Broker-Arranged Terms

Resilience writes endorsements directly into the policy form, which it calls Coverage Certainty, and runs a 24/7 in-house claims and incident-response team with a dedicated manager from triage through settlement. HUB describes typical E&O cover for defense, judgments, settlements and fines, with optional prior-acts and tail cover, and outlines claim-notice steps through your broker. With Resilience, one team handles your claim from start to finish; with HUB, it depends on the insurer placed. [10] [8] [4]

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

  • Check your revenue against Resilience's $25 million to $10 billion band before applying. [10] [5]
  • Ask HUB which insurer it will use; Resilience's policies are issued by Homeland Insurance Company of New York or of Delaware. [9] [4]
  • Compare HUB's per-claim and aggregate limits, including any excess, with Resilience's $10 million. [10] [4]
  • Ask how each handles an E&O claim that also involves a cyber incident. [8] [4]

Areas of coverage

HUB International

  • role: HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
  • eligibility: HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.company-reportedSource ↗
  • coverage: HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.company-reportedSource ↗
  • limits: HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. E&O product-page structure description; specific limits are set on the quote and declarations.not-disclosedSource ↗
  • insurer: Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
  • application: HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action as read 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 ↗

Resilience suits tech companies with $25 million to $10 billion in revenue that want up to $10 million and an in-house claims team available 24/7; HUB suits startups and smaller firms below that floor that want a broker to shop E&O. HUB publishes no limits or insurers.

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
    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

  4. 04
    Errors and Omissions (E&O) Insurance Coverage

    HUB International · Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps · accessed 2026-09-23

  5. 05
    Insurance for Technology Companies

    HUB International · Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim · accessed 2026-09-23

  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
    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

  9. 09
    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

  10. 10
    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

  11. 11
    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

  12. 12
    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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