The Hartford vs Travelers: Technology E&O Insurance

Travelers sells E&O inside CyberRisk Tech, where a buyer chooses E&O, cyber or both, for technology and life-sciences companies; The Hartford lists FailSafe liability features, names hardware and telecom buyers as well as software, and cites $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

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

Broad E&O Suite vs E&O With Optional Cyber

The Hartford's FailSafe Technology Liability Product Suite lists errors and omissions, security, data privacy and network security, personal injury, and IP and media liability, and sells cyber for attacks and data leaks as a separate product. Travelers writes technology E&O as one selectable agreement inside CyberRisk Tech, so you can take E&O alone or add breach response, cybercrime and business-loss cover in the same policy. Choose The Hartford if you need privacy, IP or media liability inside your E&O; choose Travelers if you want E&O and cyber from one policy, or E&O only. [6] [8] [7]

A Price Range vs Services Tied to Cyber

The Hartford says tech E&O typically costs about $500 to $1,000 per employee per year for software and IT specialists, hardware makers and telecom providers. Travelers publishes no price, describes E&O as covering allegations of errors or negligence such as a customer's lost revenue from a software error, and ties its Cyber Risk Services to the cyber cover. If you buy E&O only from Travelers, expect no monitoring services. [6] [8] [7]

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

  • Ask Travelers which CyberRisk Tech agreements are on your quote, and ask The Hartford which FailSafe features are on yours. [7] [6]
  • Ask both for limits and check them against your customer contracts. [6] [8]
  • Check the issuing company on both declarations. [6] [8]

The Hartford's FailSafe suite gives software, hardware and telecom firms E&O plus security, privacy, IP and media liability, typically at $500 to $1,000 per employee a year; Travelers lets you buy technology E&O alone or add cyber in one CyberRisk Tech policy. Neither publishes limits.

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
    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

  7. 07
    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

  8. 08
    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

Areas of coverage

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 ↗

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 ↗

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