Techinsurance vs Travelers: Professional Liability / E&O Insurance

Travelers underwrites E&O in separate profession-based products and sends buyers to an independent agent; TechInsurance arranges a standalone policy for IT, software, SaaS and consulting firms, reporting a median $88 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 TechInsurance and Travelers Professional Liability (E&O) Insurance?

Published Median Versus Profession-Specific Policies

TechInsurance describes one E&O policy and explains claims-made coverage. [3] Travelers offers separate products for professions such as accountants, lawyers and real estate professionals through independent agents. [5]

How You Report a Claim

TechInsurance describes a claims process where, if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. [3] Travelers' page does not describe a comparable self-serve claims process, instead directing coverage and servicing questions to an independent agent. [5]

Who Underwrites the Policy

TechInsurance's page does not name the issuing insurer for an E&O policy. [3] Travelers' E&O page footer names Travelers Casualty and Surety Company of America and its property-casualty affiliates, though it also states the material does not amend any issued policy, so the exact issuing entity depends on the product placed. [5]

What Should You Confirm in TechInsurance and Travelers Professional Liability (E&O) Insurance Quotes?

  • Ask Travelers which named product applies to your profession, and confirm the exact issuing entity for that policy. [5]
  • Ask TechInsurance to name the insurer that would issue your policy, since its page doesn't disclose one. [3]
  • Confirm how each company wants a claim reported, since TechInsurance describes contacting the carrier directly while Travelers routes through an agent. [3] [5]
  • Neither company's reviewed page publishes coverage limits; ask both for specific figures. [3] [5]

TechInsurance offers one E&O policy with a published $88 monthly median; Travelers separates coverage by profession and places policies through independent agents.

Sources reviewed

  1. 01
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  2. 02
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  3. 03
    Errors & Omissions (E&O) Insurance

    TechInsurance · What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made) · accessed 2026-09-23

  4. 04
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  5. 05
    Errors and Omissions Insurance (E&O)

    Travelers · What Is Errors and Omissions Coverage (E&O)?; Who needs errors and omissions insurance?; Select a product; Travelers Casualty and Surety Company of America and its property casualty affiliates footer · accessed 2026-09-23

  6. 06
    Management and Professional Liability Insurance

    Travelers · Errors & omissions (E&O) insurance description; Applications and forms for agents: management and professional liability applications · accessed 2026-09-23

  7. 07
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

Areas of coverage

TechInsurance

  • role: TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. Errors and omissions product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for an E&O policy. Errors and omissions product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. Errors and omissions product page; general policy description, not a specific policy form.company-reportedSource ↗
  • coverage: TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.company-reportedSource ↗
  • limits: TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
  • eligibility: TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.company-reportedSource ↗
  • claims: TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. Errors and omissions product page, How does E&O insurance coverage work? section.company-reportedSource ↗

Travelers

  • role: Travelers underwrites errors and omissions insurance as one of several management and professional liability products, sold as a standalone policy written for the buyer's profession rather than bundled with other lines by default. E&O and management-liability product pages, as read on 2026-09-23.company-reportedSource ↗Source ↗
  • insurer: The E&O page's footer names Travelers Casualty and Surety Company of America and its property-casualty affiliates, but Travelers also states the material does not amend any issued policy, so the exact issuing entity for a given E&O product depends on the policy. Footer disclosure on the errors-and-omissions page.company-reportedSource ↗
  • eligibility: Travelers offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals, life/accident/health insurance agents, managed care organizations, financial institutions and a miscellaneous professional liability option for other client-facing professionals. Product-selection list on the E&O page.company-reportedSource ↗
  • coverage: Travelers describes E&O as covering the costs of client allegations of inadequate work, negligent actions or failure to meet the expected level of service, including legal defense and settlement costs, and says coverage can be customized to the risks of a specific profession. E&O overview and video transcript; exclusions and limits are not detailed on this page and depend on the policy as issued.company-reportedSource ↗
  • limits: The reviewed E&O page does not publish limit or retention amounts for any of its professional-liability products. Errors-and-omissions page as read on 2026-09-23.not-disclosedSource ↗
  • application: Travelers directs buyers to talk to an independent agent to place E&O coverage, and tells agents to use its management-and-professional-liability applications and forms library. E&O page CTA and video transcript.company-reportedSource ↗Source ↗

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