Hub International vs Travelers: Technology E&O Insurance

Travelers markets CyberRisk Tech technology E&O to technology and life-sciences companies from startups to established leaders; HUB International directs prospects to a broker and describes no online quote flow.

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 HUB International and Travelers Tech E&O Insurance?

Tailored Broker Placement vs One Insurer's Selectable Policy

HUB brokers technology E&O with insurers it does not name, and describes prior-acts cover back to a retroactive date, which protects work done before the policy started, and tail cover for claims reported after it ends. Its technology practice serves startups and software, hardware and digital-media businesses. Travelers underwrites E&O as a selectable agreement inside CyberRisk Tech for technology and life-sciences companies, bought through an agent or Travelers representative. Choose HUB if you are switching insurers and need past work protected; choose Travelers if you are a life-sciences company or want E&O and optional cyber from one insurer. [4] [5] [10] [9]

How Cyber Sits Next to E&O

Travelers lets you take E&O without its breach-response, cybercrime and business-loss agreements, or add them; its 24/7 Cyber Risk Dashboard and threat monitoring come with the cyber side, not E&O alone. Its E&O example is a customer claiming lost revenue from a software error. HUB lists technology E&O among tech-company coverages without requiring cyber on the same form, and describes no monitoring. [9] [10] [5]

What Should You Confirm in HUB International and Travelers Tech E&O Insurance Quotes?

  • Ask HUB which insurer it proposes, and which Travelers company issues CyberRisk Tech. [4] [9]
  • Ask Travelers which agreements your quote includes, and ask HUB whether cyber is placed alongside E&O. [9] [5]
  • Ask Travelers for its retroactive date and tail options; HUB describes both. [4] [10]
  • Get E&O limits and retentions from both; neither publishes them. [4] [10]

Areas of coverage

HUB International

  • role: HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
  • eligibility: HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.company-reportedSource ↗
  • coverage: HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.company-reportedSource ↗
  • limits: HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. E&O product-page structure description; specific limits are set on the quote and declarations.not-disclosedSource ↗
  • insurer: Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
  • application: HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action as read 2026-09-23.company-reportedSource ↗

Travelers

  • role: Travelers underwrites technology E&O as one of the selectable insuring agreements inside its CyberRisk Tech policy, not as a separate standalone policy form; a buyer chooses E&O protection, cyber protection, or both within the same product. Technology and CyberRisk Tech product pages, as read on 2026-09-23.company-reportedSource ↗Source ↗
  • eligibility: Travelers markets CyberRisk Tech technology E&O to technology and life-sciences companies, describing the audience as ranging from startups to established industry leaders whose software products or technology services could be the subject of a client claim. Technology-page FAQ and the cyber-for-technology product page.company-reportedSource ↗Source ↗
  • coverage: Travelers says the technology E&O insuring agreement helps cover the costs a company incurs from allegations of errors, omissions or negligent acts in performing its services, giving as an example a customer claiming lost revenue from an error in a software product or technology service. Technology-page FAQ answer on technology E&O; exclusions, retentions and defense-cost treatment are not detailed on this page.company-reportedSource ↗
  • coverage: Travelers distinguishes technology E&O from the rest of CyberRisk Tech, which separately includes breach response, cybercrime and business-loss coverages; a buyer can select E&O coverage without also buying the cyber-specific insuring agreements. Cyber-for-technology product page; the exact combinations available depend on underwriting and state.company-reportedSource ↗
  • limits: The reviewed pages do not publish limit or retention amounts for the technology E&O insuring agreement specifically. Technology and cyber-for-technology pages as read on 2026-09-23.not-disclosedSource ↗Source ↗
  • services: Travelers says CyberRisk Tech policyholders with cyber coverage get access to Cyber Risk Services, including a 24/7 Cyber Risk Dashboard and threat monitoring, but the cyber-for-technology page states availability of these services depends on policy eligibility and lists them under cyber coverage rather than as a benefit tied specifically to the technology E&O agreement. Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit.company-reportedSource ↗
  • application: Travelers tells technology buyers to consult their insurance agent or a Travelers representative about CyberRisk Tech coverage; the reviewed pages do not describe a self-service quote path for technology E&O. Cyber-for-technology page CTA.company-reportedSource ↗

HUB brokers Tech E&O and can tailor cover for work done before the policy and a reporting tail after it ends; Travelers writes E&O itself inside CyberRisk Tech, where technology and life-sciences companies can take E&O alone or add its cyber cover, through an agent.

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
    Errors and Omissions (E&O) Insurance Coverage

    HUB International · Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps · accessed 2026-09-23

  5. 05
    Insurance for Technology Companies

    HUB International · Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim · accessed 2026-09-23

  6. 06
    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

  7. 07
    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

  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

  10. 10
    Technology Insurance

    Travelers · Who needs technology errors and omissions (E&O) insurance?; Cyber insurance: Travelers CyberRisk Tech insurance safeguards technology businesses from errors and omissions claims and cybersecurity threats · accessed 2026-09-23

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