What Is Tech E&O + Cyber Insurance?

Tech E&O and cyber insurance is the essential coverage bundle for technology companies. Technology Errors & Omissions (Tech E&O) covers claims arising from your service delivery — downtime, software bugs, missed deadlines, and failed implementations. Cyber liability covers data breaches, ransomware attacks, and security incidents. Together, they provide comprehensive protection against the two biggest risk categories for tech businesses.

Most carriers now offer these as a combined policy, and for good reason: the line between a "service failure" and a "cyber incident" is often blurred. Was the client outage caused by a bug (E&O) or a breach (cyber)? With a bundled policy, it does not matter — you are covered either way.

Why Bundle Tech E&O and Cyber?

Bundling is not just convenient — it is financially smart and eliminates dangerous coverage gaps:

Save 15-25% compared to purchasing separate E&O and cyber policies
No coverage gaps: Eliminate disputes between carriers about whether a claim is E&O or cyber
Single deductible: Pay one deductible instead of two when an incident has both E&O and cyber elements
Simplified management: One policy, one renewal, one carrier relationship

Enterprise clients increasingly require both Tech E&O and Cyber as separate line items in vendor contracts. A bundled policy satisfies both requirements with a single certificate of insurance.

How Much Does Tech E&O + Cyber Insurance Cost?

Bundled tech E&O and cyber insurance typically costs $1,500 to $5,500 per year — representing significant savings over separate policies.

Company Size	Separate Policies	Bundled Policy	Savings
Small (Under $500K)	$2,000 – $2,800	$1,500 – $2,100	~25%
Mid-Size ($500K – $3M)	$3,200 – $4,800	$2,500 – $3,800	~20%
Growth ($3M – $10M)	$5,000 – $7,500	$4,000 – $5,500	~18%

→ Compare bundled tech E&O + cyber quotes

Top Carriers for Tech E&O + Cyber Bundles

Hartford offers a combined Tech E&O and Cyber policy with seamless coverage for technology companies. Strong in IT services, MSPs, and software development firms.

Chubb provides high-limit tech E&O + cyber bundles with broad coverage terms. Preferred by larger tech companies and those with enterprise clients requiring robust coverage.

Hiscox offers affordable bundled coverage for startups and small tech companies with fast online quoting.

Coalition combines active insurance with continuous monitoring — their bundled product includes vulnerability scanning and threat alerts alongside E&O and cyber coverage.

→ See your bundled savings — get a free quote