What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 1,2,3
What Is Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 5,6,7
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 9,10
Key Differences in Cyber Insurance
Travelers Combines Cyber and Technology E&O Options
Travelers says CyberRisk Tech lets technology and life-sciences companies choose cyber protection, technology errors and omissions, or both in one policy. Its listed agreements include privacy and security, media and regulatory proceedings liability, breach response, cybercrime and business loss. Nationwide describes cyber and data-breach expenses without describing a technology E&O pairing. Ask Nationwide whether separate technology liability is available and compare how the Travelers options share limits. 4 8
Travelers Includes Cyber Risk Services
Travelers says Cyber policyholders receive a 24/7 dashboard, continuous threat monitoring, pre-breach consultation and post-breach support with claims specialists and an outside breach coach, at no additional cost. Nationwide’s overview does not describe similar security or response services. If those services matter, ask Nationwide’s agent what support is included and confirm Travelers’ specific service access and eligibility. 4 8
Travelers Uses an Independent-Agent Purchase Route
Travelers says CyberRisk Tech is purchased through an independent agent or Travelers representative. Nationwide also directs buyers to an agent or quote request, but its overview does not identify a technology-specialist route. Technology or life-sciences firms should ask who will assess their system, data and E&O exposures under each process. 4 8
What to Confirm in Cyber Insurance Quotes
- Ask Travelers whether the quote combines cyber and technology E&O limits; ask Nationwide to identify any separate technology liability coverage available to you. 8 4
- Compare included monitoring and response services, issuing insurer, limits, retentions, business-loss triggers and regulatory proceedings terms. 8 4
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Nationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsTravelers
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsOffering Details
Nationwide vs Travelers: Cyber Insurance: documented features by provider
| Criteria | Nationwide cyber (official overview) | Travelers CyberRisk Tech |
|---|---|---|
| Role in This Line | Nationwide describes offering cyber for the audience stated on the cited product page. 4Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | Travelers underwrites CyberRisk Tech as a scalable policy for technology and life-sciences companies, letting a business choose cyber protection, technology E&O protection, or both within the same policy. 8Company-reported. Product page "What does cyber insurance coverage for technology companies include?" section. |
| Who It’s For | Businesses addressing cyber and data-breach risks; specific eligibility and coverage depend on quote and policy. 4Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | Travelers targets CyberRisk Tech at technology and life-sciences companies, citing their reliance on digital systems and sensitive data, including intellectual property and patient or clinical information. 8Company-reported. Product page introduction. |
| Coverage Features | The cited product page describes cyber liability and data-breach insurance addressing expenses associated with a cyberattack or data breach. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 4Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | Travelers says CyberRisk Tech includes technology errors and omissions, privacy and security, media and regulatory proceedings liability insuring agreements, plus breach response, cybercrime and business loss (first-party) coverages such as forensic investigations, public relations costs, business interruption loss and cyber extortion costs. 8Company-reported. Product page "How does CyberRisk tech coverage mitigate cyber risk?" and "What does cyber insurance coverage for technology companies include?" sections; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 4Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. | The reviewed page does not publish limits, retentions or premiums for CyberRisk Tech; amounts would appear on a quote or declarations. 8Not found in reviewed sources. Product page as read on 2026-09-23. |
| Risk Services | Confirm in your quote. | Travelers includes Cyber Risk Services at no additional cost for Cyber-coverage policyholders: a 24/7 Cyber Risk Dashboard, continuous threat monitoring, pre-breach consultation, and post-breach support pairing policyholders with Claim specialists and an outside cyber breach coach who connects them to forensics investigators and crisis communications professionals. 8Company-reported. Product page "How can technology companies identify cyber risks earlier?" and "How do Cyber Risk Services support technology and life sciences policyholders?" sections; availability varies by policy eligibility. Travelers says organizations that engaged with its Cyber Risk Dashboard and related services saw cyber claim frequency and severity reduced by nearly 20% compared with policyholders that did not, based on its own claims data. 8Company-reported. Product page footnote on the risk-reduction statistic; this is a company-reported outcome, not independently verified. |
| How to Apply | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 4Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. 8Company-reported. Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section. |
Full Comparison
More Nationwide vs Travelers Comparisons
Other Cyber Insurance Comparisons
Sources
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Cyber Liability & Data Breach Insurance. Nationwide; Cyber liability page; cyberattack/data-breach coverage overview and response resources. Accessed 2026-09-30.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Cyber Insurance for Technology and Life Sciences. Travelers; What does cyber insurance coverage for technology companies include?; How does CyberRisk tech coverage mitigate cyber risk?; How can technology companies identify cyber risks earlier?; How do Cyber Risk Services support technology and life sciences policyholders? Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
