Riskcube vs The Hartford: Technology E&O Insurance

RiskCube is an independent brokerage that compares carriers and typically returns quotes within about 24 hours; The Hartford offers FailSafe tech E&O and gives a cost guide of $500 to $1,000 per employee a year.

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

Areas of coverage

RiskCube

  • role: RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.company-reportedSource ↗
  • insurer: RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23.company-reportedSource ↗Source ↗
  • eligibility: RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. Tech E&O product page "Who needs this coverage" section.company-reportedSource ↗
  • coverage: RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. Tech E&O product page "What's covered" section.company-reportedSource ↗
  • coverage: RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. Tech E&O product page "Common Exclusions" section.company-reportedSource ↗
  • limits: RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. Tech E&O product page "How much Tech E&O coverage do startups need" FAQ.not-disclosedSource ↗
  • services: RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. Tech E&O product page "AI & enterprise risk" FAQ.company-reportedSource ↗
  • application: RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs.company-reportedSource ↗
  • claims: The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. Tech E&O product page as read on 2026-09-23.not-foundSource ↗

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 ↗

What Are the Key Differences Between RiskCube and The Hartford Tech E&O Insurance?

Standard Insurer Product vs Broker for Niche Tech

The Hartford underwrites FailSafe for companies whose products or services can cause a customer financial loss, naming software and IT specialists including federal IT contractors, hardware and electronics makers, and telecom providers. RiskCube is an independent broker that compares Tech E&O across unnamed insurers for AI/ML, fintech, govtech, defense, space and Web3 companies. Choose The Hartford if you are a conventional software, IT, hardware or telecom business and want IP cover built in; choose RiskCube if you are in defense, space, crypto or AI, which The Hartford doesn’t name. [8] [7] [6]

IP Covered vs IP Commonly Excluded

FailSafe lists intellectual-property liability alongside E&O, security, privacy, personal-injury and media liability. RiskCube lists patent and other IP infringement among common Tech E&O exclusions. If your product could draw an IP claim, The Hartford starts ahead; ask RiskCube for the exact wording. [8] [7]

Published Price vs None

The Hartford reports a typical cost of about $500 to $1,000 per employee a year. RiskCube publishes no price or limits. [8] [7]

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

  • Ask RiskCube which insurer it is placing you with. [6] [8]
  • Ask RiskCube whether IP claims are excluded on your form. [8] [7]
  • Defense, space and Web3 companies: ask The Hartford whether it will quote you. [7] [8]
  • Get limits in writing from both and check them against any contract-required minimum. [8] [7]

The Hartford writes FailSafe Tech E&O itself with IP, media, security and privacy liability built in, at a typical $500 to $1,000 per employee a year; RiskCube is a broker that shops insurers for AI, fintech, govtech, defense, space and Web3 companies, whose Tech E&O forms commonly exclude IP claims.

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
    Disclosures & Compensation

    RiskCube · Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers" · accessed 2026-09-23

  7. 07
    Technology Errors and Omissions (E&O) Insurance

    RiskCube · Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer · accessed 2026-09-23

  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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