CFC vs 
Travelers: How Do They Compare for Tech E&O Insurance?
Travelers lets you pick E&O without cyber inside CyberRisk Tech and sends you to an agent. CFC's Technology package keeps E&O, IP, media and cyber together and lists limits up to $10,000,000.
Travelers lets you buy technology E&O on its own, or add cyber, within CyberRisk Tech; CFC's Technology package always includes cyber alongside E&O, contract and IP cover, with up to $10 million. CFC adds incident response with no deductible. 6,5,2
What Are the Key Differences Between CFC and Travelers Tech E&O Insurance?
Pick Your Parts vs Always Bundled
Travelers writes technology E&O as one selectable agreement inside CyberRisk Tech, so you can buy E&O alone, cyber alone or both, for tech and life-sciences companies. CFC's Technology package always includes E&O and cyber together, plus breach of contract and IP and media cover, with a published maximum of $10 million for E&O, media and cyber. Choose Travelers if you already have cyber and only need E&O; choose CFC if you want everything in one policy with a known ceiling. 5 6 1 2
Service Claims vs Product and Contract Claims
Travelers' E&O agreement covers allegations of errors, omissions or negligence in your services, such as a customer's lost revenue from a software error. CFC also covers bodily injury and property damage from your products, plus client-contract breaches and copyright or trademark disputes. If you sell hardware or physical products, CFC's wording reaches further; Travelers publishes no E&O limits. 5 2
Breach Services Depend on Buying Cyber at Travelers
Travelers' Cyber Risk Services, including a 24/7 dashboard and threat monitoring, come with the cyber cover, not the E&O agreement alone. CFC includes incident response with no deductible and a free scanning app in the package. Travelers sells through agents or its representatives; CFC's US application goes through your broker. 6 2 3
What Should You Confirm in CFC and Travelers Tech E&O Insurance Quotes?
CFC vs Travelers Tech E&O Insurance Compared
CFC vs Travelers: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | Travelers CyberRisk Tech Technology Errors and Omissions Coverage |
|---|---|---|
| Who It’s For | CFC says the Technology product is suitable for start-ups, mid-size and multinational tech companies, without publishing a specific revenue or headcount cutoff on the product page. 1Company-reported. Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application. | Travelers markets CyberRisk Tech technology E&O to technology and life-sciences companies, describing the audience as ranging from startups to established industry leaders whose software products or technology services could be the subject of a client claim. 5,6Company-reported. Technology-page FAQ and the cyber-for-technology product page. |
| How to Apply | The US Technology application asks for company revenue by year, funding-round history, subcontractor and hosting arrangements, and whether multi-factor authentication is enforced for remote network access and email; it is returned to your insurance broker. 3,1Company-reported. Application form Sections 1, 2 and 4; CFC also lists Connect and named API partners as digital trading channels on the product page, which may bypass a paper application for some brokers. | 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 | CFC describes coverage for financial loss, bodily injury or property damage arising from a technology company's products and services, plus legal liability for breach of client contracts and IP infringement claims such as copyright and trademark disputes. 2Company-reported. Product brochure feature descriptions; exclusions and conditions are set by the policy wording, which was not reviewed. The cyber portion of the policy includes network and privacy liability, business interruption, data rectification and recreation costs, extortion cover, and social engineering coverage, sitting inside the same Technology package rather than as a separate purchase. 2Company-reported. Product brochure 'Comprehensive cyber cover' section. | 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 | CFC's Technology product is a single package policy for technology companies that bundles errors & omissions liability, breach-of-contract cover, IP infringement and media liability, and cyber cover. 1,2Company-reported. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer. | 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 | Policyholders get access to CFC's incident response service at a $0 deductible, sitting on a limit separate from the main policy limit, plus a free app with dark web monitoring, phishing simulations and network deep scanning. 2Company-reported. Brochure 'Market leading cyber incident response' and 'Response app highlights' sections; CFC calls its incident response team one of the largest in-house teams in the industry, a characterization not independently verified here. | 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. |
