TechInsurance vs 
Travelers Professional Liability (E&O) Insurance
TechInsurance arranges one E&O policy with a self-serve claims process; Travelers underwrites profession-specific products placed only through an agent.
What Is TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 1,2
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. 4,5,6
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. 9,10,11,12
Key Differences in Professional Liability (E&O) Insurance
One Policy vs. Profession-Specific Products
TechInsurance arranges errors and omissions insurance as one standalone policy for businesses that provide professional services or advice. 3 Travelers instead offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals and financial institutions. 7
How You Report a Claim
TechInsurance describes a claims process where, if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. 3 Travelers' page does not describe a comparable self-serve claims process, instead directing coverage and servicing questions to an independent agent. 7
Who Underwrites the Policy
TechInsurance's page does not name the issuing insurer for an E&O policy. 3 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. 7
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. 7
- Ask TechInsurance to name the insurer that would issue your policy, since its page doesn't disclose one. 3
- Confirm how each company wants a claim reported, since TechInsurance describes contacting the carrier directly while Travelers routes through an agent. 3 7
- Neither company's reviewed page publishes coverage limits; ask both for specific figures. 3 7
Offering Details
TechInsurance vs Travelers Professional Liability (E&O) Insurance: documented features by provider
| Criteria | TechInsurance Errors and Omissions Insurance | Travelers Errors and Omissions Insurance |
|---|---|---|
| Role in This Line | TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. 3Company-reported. Errors and omissions product page. | 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. 7,8Company-reported. E&O and management-liability product pages, as read on 2026-09-23. |
| Issuing Insurer | The reviewed page does not name the issuing insurer for an E&O policy. 3Not publicly disclosed. 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. 7Company-reported. Footer disclosure on the errors-and-omissions page. |
| Who It’s For | TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. 3Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section. | 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. 7Company-reported. Product-selection list on the E&O page. |
| Coverage Features | TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. 3Company-reported. Errors and omissions product page; general policy description, not a specific policy form. TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. 3Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section. | 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. 7Company-reported. 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 | TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. 3Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. | The reviewed E&O page does not publish limit or retention amounts for any of its professional-liability products. 7Not publicly disclosed. Errors-and-omissions page as read on 2026-09-23. |
| How to Apply | Not described in the reviewed sources. | 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. 7,8Company-reported. E&O page CTA and video transcript. |
| Claims Support | TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. 3Company-reported. Errors and omissions product page, How does E&O insurance coverage work? section. | Not described in the reviewed sources. |
Full Comparison
More TechInsurance vs Travelers Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Errors & Omissions (E&O) Insurance. TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). Accessed 2026-09-23.
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.
- Errors and Omissions Insurance (E&O). 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.
- Management and 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
- FAQ: Professional liability insurance. 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.
- 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.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. 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.
