At-Bay vs Travelers: How Do They Compare for Professional Liability (E&O) Insurance?

Travelers offers separate E&O products by profession, such as accountants, lawyers and design professionals, and directs buyers to an independent agent. At-Bay provides primary miscellaneous professional liability for all revenue sizes up to $5 million, subject to state rules.

Travelers offers separate E&O products for accountants, design professionals, lawyers and real estate firms; At-Bay publishes one miscellaneous E&O product with a $5 million ceiling. ^5,¹

What Are the Key Differences Between At-Bay and Travelers Professional Liability (E&O) Insurance?

Choose by Profession

Travelers lists profession-specific products for accountants, design professionals, lawyers, real estate professionals, insurance professionals, managed-care organizations and financial institutions, plus a miscellaneous option for other client-facing professionals. At-Bay offers one MPL product for accepted businesses across revenue sizes. If a tailored form for your profession matters, start with Travelers; At-Bay’s single product may be simpler to screen. ⁵ ¹

Application Route

Travelers directs buyers to an independent agent. At-Bay routes MPL submissions through email or its Broker Platform for insurance professionals. Ask which agent or broker will handle your application and when you can expect a quote. ⁵ ⁴

Get the Actual Policy Terms

At-Bay publishes a $5 million ceiling; Travelers does not publish standard limits or retentions on its E&O page. Request the actual forms, limits, retention and premium from both. ¹ ⁵

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

Ask Travelers which profession-specific product fits your services. ⁵
Ask At-Bay which state restrictions apply to its $5 million ceiling. ¹
Get the exact insurer named on the policy declarations for both quotes. ⁵ ¹
Compare actual limits, retentions, exclusions and price. ⁵ ¹

At-Bay vs Travelers Professional Liability (E&O) Insurance Compared

At-Bay vs Travelers: Professional Liability (E&O) Insurance: documented features by provider

Criteria	At-Bay Miscellaneous Professional Liability (MPL) Insurance	Travelers Errors and Omissions Insurance
Who It’s For	At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. ¹Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record.	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. ⁵Company-reported. Product-selection list on the E&O page.
How to Apply	At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. ^1,⁴Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed.	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. ^5,⁶Company-reported. E&O page CTA and video transcript.
Coverage Features	At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. ¹Company-reported. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions.	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. ⁵Company-reported. E&O overview and video transcript; exclusions and limits are not detailed on this page and depend on the policy as issued.
Role in This Line	At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. ^1,²Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk.	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. ^5,⁶Company-reported. E&O and management-liability product pages, as read on 2026-09-23.