---
title: "At-Bay vs Travelers: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-travelers/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-travelers"
provider-a: "at-bay"
provider-b: "travelers"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-travelers/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Travelers for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Tech E&O Insurance questions about At-Bay versus Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs Travelers for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, At-Bay or Travelers?
- What does At-Bay or Travelers publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: At-Bay and Travelers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [At-Bay vs Travelers](https://spot.insure/compare/at-bay-vs-travelers) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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 lets you pick tech E&O, cyber or both inside CyberRisk Tech, with security services tied to the cyber side; At-Bay sells Tech E&O as its own policy up to $10 million with its Stance service always included.

## At-Bay vs Travelers Tech E&O Insurance Summary

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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

## 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](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

### 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](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

### 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](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

## 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](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")
- Get limits and retentions; Travelers publishes no E&O limits. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")
- If you buy Travelers E&O without cyber, ask whether any Cyber Risk Services still apply. [6](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

## At-Bay vs Travelers Tech E&O Insurance Compared

| 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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. [6](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") (Evidence: Company-reported; scope: Technology-page FAQ answer on technology E&O; exclusions, retentions and defense-cost treatment are not detailed on this page..)<br><br>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. [6](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/licenses/ "Licenses") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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. [6](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit..) |

## About At-Bay and Travelers and Tech E&O Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for At-Bay vs Travelers Tech E&O Insurance

- [At-Bay vs Travelers](https://spot.insure/compare/at-bay-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [At-Bay Tech E&O Insurance](https://spot.insure/insurance-providers/at-bay/technology-errors-omissions)
- [Travelers Tech E&O Insurance](https://spot.insure/insurance-providers/travelers/technology-errors-omissions)

## Sources for At-Bay vs Travelers Tech E&O Insurance

### Sources About At-Bay

1. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
2. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
3. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
4. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Sources About Travelers

5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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.
6. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; What does cyber insurance coverage for technology companies include?; CyberRisk Tech offers broad and scalable protection options – businesses can choose cyber protection, E&O protection or both. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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