CFC vs 
Travelers: How Do They Compare for Professional Liability (E&O) Insurance?
Travelers writes separate E&O products by profession and sends buyers to an independent agent. CFC offers a package policy pairing E&O with optional add-ons, and says its professional class can also be traded through its Connect platform.
Law firms and insurance agencies can pursue Travelers’ profession-specific E&O products; CFC ordinarily declines lawyers and insurance agents. 4,2
What Are the Key Differences Between CFC and Travelers Professional Liability (E&O) Insurance?
How to Buy
Travelers directs buyers to an independent agent and provides agents with a management and professional-liability application library. 5 CFC offers a dedicated application and digital trading through Connect or API partners, as well as broker submissions. 1 Choose the route that fits whether you want an independent agent or digital submission.
Policy and Insurer Details
Travelers' E&O page identifies Travelers Casualty and Surety Company of America and property-casualty affiliates. 4 CFC's materials do not name the risk-bearing insurer. 1 Request the declarations and wording to see which insurer issues your actual policy and what limits and retentions apply.
What Should You Confirm in CFC and Travelers Professional Liability (E&O) Insurance Quotes?
- If you are a lawyer or insurance agent, ask Travelers for the matching product and confirm the exact services covered. 4
- Check CFC's declined list if considering its program. 2
- Compare limits, retentions and exclusions; the reviewed pages do not publish figures for every scenario. 4 2
- Check the issuing insurer shown on the declarations. 4 1
CFC vs Travelers Professional Liability (E&O) Insurance Compared
CFC vs Travelers: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | CFC Professional Services | Travelers Errors and Omissions Insurance |
|---|---|---|
| Who It’s For | CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. 2Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | 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. 4Company-reported. Product-selection list on the E&O page. |
| How to Apply | CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. 1Company-reported. Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole. | 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. 4,5Company-reported. E&O page CTA and video transcript. |
| Coverage Features | CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. 2Company-reported. Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued. Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. 2Company-reported. Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting. | 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. 4Company-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 | CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. 1,2Company-reported. Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure. | 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. 4,5Company-reported. E&O and management-liability product pages, as read on 2026-09-23. |
