Beazley vs Travelers: How Do They Compare for Tech E&O Insurance?

Travelers lets you choose E&O, cyber or both within its CyberRisk Tech policy, and you consult an agent. Beazley's MediaTech arrives as one small-business form with professional E&O, media and cyber together.

Travelers lets you buy tech E&O on its own inside CyberRisk Tech and add cyber only if you want it. Beazley’s MediaTech always bundles tech E&O, media and cyber for small businesses, covering contract breaches and software copyright claims but not patent claims. ^4,^5,^1,³

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

E&O on Its Own vs a Mandatory Bundle

Travelers underwrites tech E&O as one selectable agreement inside CyberRisk Tech, so you can buy E&O without its breach-response, cybercrime and business-loss agreements. It markets CyberRisk Tech to technology and life-sciences companies from startups to established leaders, through agents or Travelers representatives. Beazley presents small-business tech E&O only inside MediaTech, with professional E&O, media and cyber on one form, placed through third-party platforms or by email. Choose Travelers if you already have cyber cover or want E&O alone; choose Beazley if you’re a small business that wants everything on one policy. ⁵ ⁴ ¹

Service-Error Claims vs Defined Product and Service Errors

Travelers’ E&O agreement covers allegations of errors, omissions or negligence in your services, such as a customer claiming lost revenue from a software error. Beazley’s sample form covers tech service errors, including unintentional breach of contract, and tech product failures, including software copyright infringement, but excludes patent infringement and trade-secret misappropriation on tech products. ⁵ ³

Security Services With Cyber vs a Dedicated Claims Team

Travelers’ Cyber Risk Services, including a dashboard and threat monitoring, come with the cyber coverage and depend on eligibility, not with E&O alone. Beazley has a cyber and tech claims team, and its form is claims-made with defense costs reducing the limit. Neither publishes an E&O limit. ⁵ ¹ ³

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

Ask whether Travelers is quoting E&O only or E&O plus cyber. ⁵ ¹
Compare patent, copyright and contract wording on both. ³ ⁵
Get limits, retentions, tail options and the issuing company from both. ² ⁴
If you buy Travelers E&O without cyber, ask whether any Cyber Risk Services apply. ⁵

Beazley vs Travelers Tech E&O Insurance Compared

Beazley vs Travelers: Tech E&O Insurance: documented features by provider

Criteria	Beazley MediaTech for Small Businesses	Travelers CyberRisk Tech Technology Errors and Omissions Coverage
How to Apply	Beazley's MediaTech application asks for employee count, US and non-US revenue for the last three years, the share of revenue from managed IT services, and answers about ransomware controls such as multi-factor authentication, VPN use, patching cadence and backup frequency. ²Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Ransomware Controls sections; a completed application does not establish acceptance. Beazley says small and midsize MediaTech business is placed through third-party placement platforms or by email, with automated processing rather than a direct-to-consumer purchase flow. ¹Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only.	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. ⁵Company-reported. Cyber-for-technology page CTA.
Coverage Features	The sample MediaTech form defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control. The sample form excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. ³Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.	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. ⁴Company-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. ⁵Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state.
Role in This Line	Beazley sells technology errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes professional E&O, media liability and cyber coverage. It is not offered as a standalone tech E&O policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.	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. ^4,⁵Company-reported. Technology and CyberRisk Tech product pages, as read on 2026-09-23.

Criteria

Beazley MediaTech for Small Businesses

Travelers CyberRisk Tech Technology Errors and Omissions Coverage

How to Apply

Beazley's MediaTech application asks for employee count, US and non-US revenue for the last three years, the share of revenue from managed IT services, and answers about ransomware controls such as multi-factor authentication, VPN use, patching cadence and backup frequency. ²Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Ransomware Controls sections; a completed application does not establish acceptance.

Beazley says small and midsize MediaTech business is placed through third-party placement platforms or by email, with automated processing rather than a direct-to-consumer purchase flow. ¹Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only.

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. ⁵Company-reported. Cyber-for-technology page CTA.

Coverage Features

The sample MediaTech form defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.

The sample form excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. ³Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.

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. ⁴Company-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. ⁵Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state.

Role in This Line

Beazley sells technology errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes professional E&O, media liability and cyber coverage. It is not offered as a standalone tech E&O policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.

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. ^4,⁵Company-reported. Technology and CyberRisk Tech product pages, as read on 2026-09-23.