---
title: "Pie Insurance vs Travelers Professional Liability (E&O) Insurance"
description: "Pie brokers one general E&O product; Travelers underwrites a suite of profession-specific E&O products placed only through an independent agent."
canonical: "https://spot.insure/compare/pie-insurance-vs-travelers/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Pie Insurance vs Travelers Professional Liability (E&O) Insurance

Pie brokers one general E&O product; Travelers underwrites a suite of profession-specific E&O products placed only through an independent agent.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and Travelers for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Pie places one errors and omissions product with unnamed carrier partners for a broad list of professions, while Travelers offers separate profession-specific E&O products, such as accountants and lawyers, that must be placed through an independent agent. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")

## What Is Pie Insurance?

Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. [1](https://www.pieinsurance.com/legal "Legal") [2](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [3](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## What Is Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### One Product vs. Profession-Specific Products

Pie identifies itself as an intermediary that helps businesses get one errors and omissions product "from our insurance carrier partners." [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") Travelers instead offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals, financial institutions and a miscellaneous professional liability option for other client-facing professionals. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")

### Who Underwrites the Policy

Pie's page names no specific insurer, referring only to "our insurance carrier partners." [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") Travelers' E&O page footer names Travelers Casualty and Surety Company of America and its property-casualty affiliates, though it also states the material does not amend any issued policy, so the exact issuing entity depends on the product placed. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")

### How You Start a Quote

Pie directs buyers to contact the company to start a quote, without a self-serve online path for this line. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask Travelers which named product applies to your profession, and confirm the exact issuing entity for that policy. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")
- Ask Pie to name the specific carrier partner that would issue your policy, since its page names none. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Neither company's reviewed page publishes coverage limits; ask both for specific figures. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")
- If you don't already work with an independent agent, ask whether Travelers can connect you with one, since it has no self-serve online path for this line. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")

## Offering Details

| Criteria | Pie Errors and Omissions Insurance | Travelers Errors and Omissions Insurance |
| --- | --- | --- |
| Role in This Line | Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23..) | 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [9](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: E&O and management-liability product pages, as read on 2026-09-23..) |
| Issuing Insurer | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Errors and Omissions product page as read on 2026-09-23..) | The E&O page's footer names Travelers Casualty and Surety Company of America and its property-casualty affiliates, but Travelers also states the material does not amend any issued policy, so the exact issuing entity for a given E&O product depends on the policy. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") (Evidence: Company-reported; scope: Footer disclosure on the errors-and-omissions page..) |
| Who It’s For | Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list..) | 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") (Evidence: Company-reported; scope: Product-selection list on the E&O page..) |
| Coverage Features | Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions..) | 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") (Evidence: Company-reported; scope: E&O overview and video transcript; exclusions and limits are not detailed on this page and depend on the policy as issued..) |
| Limits and Retentions | The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Errors and Omissions product page as read on 2026-09-23..) | The reviewed E&O page does not publish limit or retention amounts for any of its professional-liability products. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") (Evidence: Not publicly disclosed; scope: Errors-and-omissions page as read on 2026-09-23..) |
| How to Apply | Pie directs errors and omissions buyers to contact the company to start a quote through its website. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23..) | 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [9](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: E&O page CTA and video transcript..) |

## Full Comparison

- [Pie Insurance vs Travelers](https://spot.insure/compare/pie-insurance-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [Pie Insurance vs Travelers Business Owner’s Policy](https://spot.insure/compare/pie-insurance-vs-travelers/business-owners-policy)
- [Pie Insurance vs Travelers Cyber Insurance](https://spot.insure/compare/pie-insurance-vs-travelers/cyber)
- [Pie Insurance vs Travelers General Liability Insurance](https://spot.insure/compare/pie-insurance-vs-travelers/general-liability)
- [Pie Insurance vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-travelers/workers-compensation)
- [Alliance Risk vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/professional-errors-omissions)
- [Alliance Risk vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/professional-errors-omissions)
- [At-Bay vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance/professional-errors-omissions)
- [At-Bay vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-travelers/professional-errors-omissions)
- [Beazley vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-pie-insurance/professional-errors-omissions)
- [Beazley vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-travelers/professional-errors-omissions)

## Sources

### Pie Insurance

1. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
2. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
3. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/online-account-tutorial). Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
4. [Errors and Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; Errors and Omissions Insurance hero: also known as professional liability insurance...; professions that often carry E&O; What's typically covered by errors and omissions insurance? Inaccurate advice, Misrepresentation, Negligence, Violation of good faith; Make sure you're covered: Start now. Accessed 2026-09-23.

### Travelers

5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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.
6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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.
7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
8. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; What Is Errors and Omissions Coverage (E&O)?; Who needs errors and omissions insurance?; Select a product; Travelers Casualty and Surety Company of America and its property casualty affiliates footer. Accessed 2026-09-23.
9. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; Errors & omissions (E&O) insurance description; Applications and forms for agents: management and professional liability applications. Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

10. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
11. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
12. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
13. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-09-23. 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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