Resilience vs Techinsurance: Technology E&O Insurance

Resilience targets tech companies with $25 million to $10 billion in revenue and advertises limits up to $10 million, while TechInsurance sells IT firms a bundle of E&O and cyber at a published median of about $67 a month.

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 Resilience and TechInsurance Tech E&O Insurance?

Mid-Size and Large Tech Companies vs Small IT Firms

Resilience sells Technology E&O as professional liability for US tech companies with $25 million to $10 billion in revenue, with limits up to $10 million, across six technology segments, with endorsements built into the form. It doesn't publish a premium. TechInsurance sells two policies together, E&O and cyber liability, for software developers, managed service providers, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms, with no revenue floor and a company-reported median of $67 a month (about $807 a year). Choose Resilience if you have at least $25 million in revenue and need a high limit; choose TechInsurance if you're a smaller IT firm that wants E&O and cyber together at a known price. [8] [9]

Built-In Endorsements vs IP Usually Extra

TechInsurance's E&O half covers errors, undelivered services, missed deadlines, budget overruns and breach of contract. Its cyber half covers your own systems and clients' systems you worked on. It says IP or copyright disputes usually have to be added. Resilience doesn't describe a cyber component within this product or address IP on its page. [9] [8]

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

  • Ask TechInsurance which insurer issues each policy. Resilience's US Tech E&O is sold through Ocrea Risk Services and issued by Homeland Insurance Company of New York or Delaware. [7] [9]
  • Ask both how IP and copyright claims are treated. [9] [8]
  • Compare TechInsurance's quoted limit with Resilience's $10 million maximum. [8] [9]
  • Check your revenue against Resilience's $25 million to $10 billion range before you apply. [8]

Areas of coverage

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 ↗

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 ↗

Resilience's Technology E&O is built for US tech companies with $25 million to $10 billion in revenue, with limits up to $10 million; TechInsurance sells smaller IT and tech firms two bundled policies, E&O and cyber, at a median of about $67 a month, with IP disputes usually extra.

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
    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

  5. 05
    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

  6. 06
    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

  7. 07
    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

  8. 08
    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

  9. 09
    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

  10. 10
    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

  11. 11
    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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