Marsh vs The Hartford: Technology E&O Insurance

The Hartford gives a price guide of $500 to $1,000 per employee a year for its FailSafe tech E&O and lists its liability features; Marsh offers technology specialists and data center programs combining tech E&O with property and casualty.

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 Marsh and The Hartford Tech E&O Insurance?

Standard Tech Product vs Custom Data-Center Program

The Hartford underwrites FailSafe for companies whose products or services can cause a customer financial loss, listing errors-and-omissions, security, data-privacy and network-security, personal-injury, IP and media liability, with cyberattacks on a separate product. Marsh brokers technology E&O with insurers it doesn’t name, and warns that off-the-shelf tech E&O leaves gaps at data-center scale, so it combines E&O with property and casualty. Choose The Hartford if you are a software, IT, hardware or telecom business that fits a standard policy; choose Marsh if you run data centers or other large infrastructure. [8] [5] [4]

Published Price vs None

The Hartford reports a typical cost of about $500 to $1,000 per employee a year, with price depending on location, headcount, chosen limits and lawsuit history. Marsh publishes no premiums or limits for this line. [8] [5]

Named Tech Buyers vs Multi-Industry Specialists

The Hartford names software and IT specialists, hardware and electronics manufacturers, and telecom providers. Marsh lists technology among several professional-liability specialties, alongside banking, insurance, asset management, media and healthcare. [8] [5]

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

  • Ask Marsh which insurer it would use. [5] [8]
  • Ask Marsh how its placement treats IP and media claims that FailSafe covers by name. [8] [4]
  • Ask The Hartford whether you need its separate cyber policy, and Marsh whether cyber is bundled into your program. [8] [4]
  • Get premium, limits and retentions in writing from both. [8] [5]

Areas of coverage

Marsh

  • role: Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. Marsh professional liability page and data-center insurance page.company-reportedSource ↗Source ↗
  • eligibility: Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. Marsh professional liability page, What We Offer section.company-reportedSource ↗
  • coverage: Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product.company-reportedSource ↗
  • insurer: The reviewed pages do not name a specific technology E&O insurer. Marsh professional liability and data-center insurance pages as read on 2026-09-23.not-disclosedSource ↗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 ↗

The Hartford writes FailSafe Tech E&O itself, with IP, media, security and privacy liability, for software, hardware and telecom firms at a typical $500 to $1,000 per employee a year; Marsh is a broker that builds custom programs combining E&O with property and casualty for data centers.

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
    Data center insurance and risk management

    Marsh · Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers · accessed 2026-09-23

  5. 05
    Professional liability

    Marsh · What We Offer: specialized industries served, including Technology · 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
    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

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