Quick Answer: Hiscox is best for solo IT consultants ($67/mo), Hartford wins for small firms wanting bundled coverage, and CNA leads for mid-market consulting firms. Compare E&O quotes for your firm →

The right E&O carrier can mean the difference between a smooth claims experience and a nightmare. We compared five leading carriers for technology consultants and professional services firms in 2026.

E&O Carrier Comparison at a Glance

Carrier	Best For	Starting Price	AM Best	Online Quote	Cyber Included
Hiscox	Solo consultants	$67/mo	A	Yes	Optional add-on
Hartford	Small firms, bundling	$85/mo	A+	Yes	Optional add-on
CNA	Mid-market firms	$150/mo	A	Broker	Bundled option
Travelers	Professional services	$100/mo	A++	Agent	Separate
Beazley	Tech companies, MSPs	$125/mo	A	Broker	Bundled

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⚡ Why use a brokerage platform instead of buying direct? These carriers let you buy directly — but you'll only see that one carrier's price. A brokerage platform like Insura shops 10+ carriers behind the scenes to find the lowest rate for your exact business. The price you pay is the same whether you buy direct or through a broker — carriers pay the broker's commission, not you.

Hiscox E&O Insurance

Best for: Solo IT consultants and freelancers

Hiscox dominates the small consultant market with fast online quoting, competitive pricing, and a modern policy form designed for technology professionals.

Pros	Cons
✅ Lowest starting price ($67/mo)	❌ Limited for firms over $5M revenue
✅ Online quote in <10 minutes	❌ May decline complex tech risks
✅ Same-day COI available	❌ Less brand recognition with enterprise clients
✅ Tech E&O + cyber bundle available	❌ Claims process can feel impersonal

Hartford E&O Insurance

Best for: Small firms wanting to bundle E&O with GL/BOP

Pros	Cons
✅ Bundle discounts save 10–15%	❌ Slightly higher starting price
✅ Strong brand recognition	❌ Online quoting limited for tech risks
✅ Wide agent network	❌ Policy forms less flexible
✅ Experienced claims team	❌ Slower underwriting for complex risks

CNA E&O Insurance

Best for: Mid-market consulting and professional services firms

Pros	Cons
✅ Broad coverage for professional services	❌ Higher minimum premiums
✅ Excellent claims handling	❌ Broker-only access
✅ Higher limits available ($10M+)	❌ Slower quoting process
✅ Industry specialization programs	❌ Not cost-effective for solo consultants

Beazley E&O Insurance

Best for: Technology companies, MSPs, and cybersecurity firms

Pros	Cons
✅ Best tech E&O + cyber bundle	❌ Higher starting price
✅ Deep technology expertise	❌ Broker-only for most risks
✅ Breach response services included	❌ Complex application process
✅ Strong in MSP/IT channel	❌ May be overkill for small consultants

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Which E&O Carrier Is Right for You?

Your Situation	Best Carrier	Expected Monthly Cost
Solo IT consultant, <$250K revenue	Hiscox	$67–$100
Small firm wanting to bundle	Hartford	$85–$175
MSP or cybersecurity firm	Beazley	$125–$300
Mid-market consulting firm	CNA	$150–$400
Need highest financial rating	Travelers	$100–$250

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Why Use a Brokerage Platform Instead of Buying Direct?

When a carrier offers instant quote-and-bind on their website, it's convenient — but you're only seeing one carrier's rates. A brokerage platform like Insura changes that equation:

One application, multiple quotes. Fill out one form and get compared across 10+ A-rated carriers including Hartford, Chubb, Hiscox, and more. No need to re-enter your business info on five different websites.
The price is the same — or lower. Carriers pay the broker's commission directly. Your premium is identical to what you'd pay buying direct, and often lower because a broker can find a carrier that prices your specific risk more competitively.
We work for you, not the carrier. A direct carrier's website is designed to sell you their policy. A brokerage platform is designed to find you the best policy — we have no incentive to push one carrier over another.
Automated comparison shopping, year after year. When your policy renews, a brokerage platform automatically re-shops your coverage across carriers to make sure you're still getting the best rate. Buy direct, and you're locked into one carrier's renewal pricing with no leverage.
Licensed experts when you need them. Have a coverage question or need help with a claim? You get access to real brokers — not a carrier's customer service line reading from a script.

→ Get your free multi-carrier quote

Don't limit yourself to one carrier's price. Insura compares Hartford, Chubb, Hiscox, and 20+ other carriers — the price is the same or less, and you'll know you got the best deal. Get your free multi-carrier quote →