At-Bay vs Travelers: How Do They Compare for Tech E&O Insurance?

Travelers lets you select E&O alone or with cyber inside its CyberRisk Tech policy, and tells buyers to consult an agent. At-Bay's Tech E&O goes to $10 million in limits and comes with its Stance security platform.

Travelers sells tech E&O as one option inside CyberRisk Tech, where you choose E&O, cyber or both, and its security services come with the cyber side. At-Bay sells Tech E&O as its own policy with limits up to $10 million and includes its Stance service every time. ^5,^6,¹

What Are the Key Differences Between At-Bay and Travelers Tech E&O Insurance?

A Pick-Your-Coverage Product vs a Dedicated E&O Policy

Travelers underwrites technology E&O as one insuring agreement inside CyberRisk Tech; you choose E&O, cyber or both, and the cyber side adds breach response, cybercrime and business-loss cover. You apply through a Travelers agent or representative. At-Bay sells Tech E&O as its own technology-liability policy with limits up to $10 million, through email or its Broker Platform. Choose Travelers if you want E&O and cyber from one insurer on one product; choose At-Bay if you want standalone E&O with a published limit. ⁶ ⁵ ¹

Software-Error Claims vs Outages, Indemnity and Service Credits

Travelers’ E&O agreement covers allegations of errors, omissions or negligence in your services, such as a customer claiming lost revenue from a software bug. At-Bay covers negligence in installations, coding, data processing, implementations and outages, plus contractual indemnity, and treats service credits you owe clients as damages. If your contracts promise uptime credits, At-Bay addresses that directly. ⁶ ¹

Security Services Only With Cyber vs Included With E&O

Travelers’ Cyber Risk Services, including a 24/7 dashboard and threat monitoring, come with the cyber coverage and depend on eligibility, not with the E&O agreement alone. At-Bay includes Stance with every Tech E&O policy. ⁶ ¹

What Should You Confirm in At-Bay and Travelers Tech E&O Insurance Quotes?

Ask whether your Travelers quote selects only E&O or also the cyber agreements. ⁶
Get limits and retentions; Travelers publishes no E&O limits. ¹ ⁶
If you buy Travelers E&O without cyber, ask whether any Cyber Risk Services still apply. ⁶ ¹

At-Bay vs Travelers Tech E&O Insurance Compared

At-Bay vs Travelers: Tech E&O Insurance: documented features by provider

Criteria	At-Bay Tech E&O Insurance	Travelers CyberRisk Tech Technology Errors and Omissions Coverage
How to Apply	You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. ¹Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.	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. ⁶Company-reported. Cyber-for-technology page CTA.
Coverage Features	At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.	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. ⁵Company-reported. Technology-page FAQ answer on technology E&O; exclusions, retentions and defense-cost treatment are not detailed on this page. 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. ⁶Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state.
Role in This Line	At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.	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. ^5,⁶Company-reported. Technology and CyberRisk Tech product pages, as read on 2026-09-23.
Risk Services	Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. ¹Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.	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. ⁶Company-reported. Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit.