Resilience vs Travelers

Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. ^1,3,4

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. ²

Travelers is a property-casualty insurance group. The Travelers Companies, Inc. is the public holding company; policies are issued by subsidiaries such as The Travelers Indemnity Company and affiliates, not by the holding company itself. ^38,39,31,17

Travelers says it primarily sells U.S. insurance through independent agents and brokers, whom it calls producers and who are not Travelers employees. It also owns Simply Business, Inc. and InsuraMatch, LLC, licensed digital independent agencies it says operate nationwide. ^17,16,39

Resilience lists US technology E&O appetite of $25 million–$10 billion in revenue, including software, AI, hardware, technology services, data centers and telecommunications. Smaller startups should ask whether an exception is available. ⁴

Travelers markets technology insurance to startups and established industry leaders, including software developers and platforms, technology consultants, IT staffing companies, network integrators, electronics manufacturers, telecommunications firms and platform-economy companies. A separate small-business technology-services BOP is described for classes such as software development, web developers and IT consultants. ^11,14,12

Resilience’s US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriting insurers. It does not specify which would issue a particular California quote. ²

Travelers is the brand. Product footers name The Travelers Indemnity Company and its property-casualty affiliates, and Bond & Specialty pages name Travelers Casualty and Surety Company of America and affiliates. Umbrella materials also describe Northfield excess-and-surplus coverage for some hard-to-place risks. The issuing company, admitted or surplus status, and any fronting or network partner remain quote-specific. ^{17,35,19,36,29}

Resilience markets cyber and technology E&O in the United States. The reviewed product and legal pages do not establish the California-specific placement route, insurer selection or admitted versus surplus-lines status for either product. ^3,4,2

Travelers describes Business Insurance as offered primarily in the United States, with additional operations in the United Kingdom, Ireland and other markets including Lloyd’s. Domestic business insurance is marketed through independent agents and brokers rather than as a single nationwide self-serve shop for every product. ^39,38,31

California’s insurance department lists The Travelers Indemnity Company (NAIC 25658) and Travelers Casualty and Surety Company of America (NAIC 31194) as property-and-casualty insurers with Unlimited-Normal licenses. Travelers’ agent directory also lists agencies in California. Those facts do not establish that a specific technology product, CyberRisk Tech form, BOP class or Global Companion Plus+ coverage is available or admitted for a particular California risk. ^40,41,34,29

Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. ^8,9

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. ²

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. ^5,3,4

MyTravelers for Business is described as an account portal for paying bills, reporting and tracking claims, retrieving policy documents and printing auto ID cards. Certificates of insurance and adding additional interests while creating a certificate are described as available in real time only for certain Select Accounts and National Programs Commercial Multi-Peril customers. Contact-us copy tells business policyholders to contact their agent for policy-service questions. ^28,16