--- title: "TechInsurance vs Travelers Tech E&O Insurance" description: "TechInsurance bundles E&O and cyber as two policies; Travelers lets you select E&O, cyber, or both inside CyberRisk Tech." canonical: "https://spot.insure/compare/techinsurance-vs-travelers/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/techinsurance-vs-travelers/technology-errors-omissions) # TechInsurance vs Travelers Tech E&O Insurance TechInsurance bundles E&O and cyber as two policies; Travelers lets you select E&O, cyber, or both inside CyberRisk Tech. ## Research Scope and Use Use this comparison to evaluate TechInsurance and Travelers for Tech 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 TechInsurance sells technology E&O as a two-policy bundle of errors and omissions plus cyber liability, with a reported median of about $67 per month. Travelers underwrites technology E&O as a selectable insuring agreement inside CyberRisk Tech, so a buyer can take E&O without the cyber agreements. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") ## 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](https://www.techinsurance.com/about-us "About TechInsurance") [2](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [5](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## What Is Technology Errors and Omissions (E&O) Insurance? Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [8](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [9](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [10](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") ## Key Differences in Tech E&O Insurance ### Two Policies Sold Together Versus One Product With Optional Agreements TechInsurance presents tech E&O as two policies: E&O and cyber liability. Travelers puts technology E&O inside CyberRisk Tech as a selectable agreement, so E&O can be chosen without the cyber-specific agreements. TechInsurance’s page does not name the issuer; Travelers underwrites CyberRisk Tech. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") ### What Each Says the E&O Piece Covers TechInsurance’s E&O half lists errors, undelivered services, missed deadlines, budget overruns and breach of contract, with IP usually added separately, and a cyber half split into first- and third-party breaches. Travelers says the E&O agreement helps with alleged errors, omissions or negligent acts in performing services, such as lost revenue from a software error, and keeps breach response and cybercrime on other agreements. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") ### Price, Audience and Path TechInsurance publishes a median of $67 per month and lists IT professions including MSPs and data centers. Travelers does not publish E&O limits or premiums, markets to technology and life-sciences companies from startups to established firms, and tells buyers to use an agent or a Travelers representative. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") ## What to Confirm in Tech E&O Insurance Quotes - Ask whether TechInsurance is quoting both policies and whether Travelers selected only the E&O agreement. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") - Confirm issuers on both quotes. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") - Check IP: usually an add-on at TechInsurance; not listed on Travelers’ E&O FAQ. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") - If you want Travelers monitoring tools, confirm cyber coverage is selected. [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") ## Offering Details | Criteria | TechInsurance Technology Errors and Omissions (Tech E&O) Insurance | Travelers CyberRisk Tech Technology Errors and Omissions Coverage | | --- | --- | --- | | Role in This Line | TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page..) | 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. [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Technology and CyberRisk Tech product pages, as read on 2026-09-23..) | | Issuing Insurer | The reviewed page does not name the issuing insurer for a tech E&O policy. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Not publicly disclosed; scope: Tech E&O product page as read on 2026-09-23..) | Not described in the reviewed sources. | | Who It’s For | TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page, Technology professionals we insure section..) | 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. [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Technology-page FAQ and the cyber-for-technology product page..) | | Coverage Features | TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page; general policy description, not a specific policy form..)

TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? 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. [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Cyber-for-technology product page; the exact combinations available depend on underwriting and state..) | | Limits and Retentions | TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. [3](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | The reviewed pages do not publish limit or retention amounts for the technology E&O insuring agreement specifically. [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Not publicly disclosed; scope: Technology and cyber-for-technology pages as read on 2026-09-23..) | | Risk Services | Not described in the reviewed sources. | 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. [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit..) | | How to Apply | Not described in the reviewed sources. | 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. [7](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Cyber-for-technology page CTA..) | ## Full Comparison - [TechInsurance vs Travelers](https://spot.insure/compare/techinsurance-vs-travelers): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss. - [TechInsurance vs Travelers Business Owner’s Policy](https://spot.insure/compare/techinsurance-vs-travelers/business-owners-policy) - [TechInsurance vs Travelers Commercial Auto Insurance](https://spot.insure/compare/techinsurance-vs-travelers/commercial-auto) - [TechInsurance vs Travelers Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-travelers/commercial-property) - [TechInsurance vs Travelers Cyber Insurance](https://spot.insure/compare/techinsurance-vs-travelers/cyber) - [TechInsurance vs Travelers D&O Insurance](https://spot.insure/compare/techinsurance-vs-travelers/directors-officers) - [TechInsurance vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/techinsurance-vs-travelers/employment-practices) - [TechInsurance vs Travelers Fidelity Bonds](https://spot.insure/compare/techinsurance-vs-travelers/fidelity-bonds) - [TechInsurance vs Travelers General Liability Insurance](https://spot.insure/compare/techinsurance-vs-travelers/general-liability) - [TechInsurance vs Travelers Inland Marine Insurance](https://spot.insure/compare/techinsurance-vs-travelers/inland-marine) - [TechInsurance vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-travelers/professional-errors-omissions) - [TechInsurance vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/techinsurance-vs-travelers/umbrella-excess) - [TechInsurance vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/techinsurance-vs-travelers/workers-compensation) - [Alliance Risk vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/technology-errors-omissions) - [Alliance Risk vs Travelers Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/technology-errors-omissions) - [Amelia Risk vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/technology-errors-omissions) - [Amelia Risk vs Travelers Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/technology-errors-omissions) - [At-Bay vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-techinsurance/technology-errors-omissions) - [At-Bay vs Travelers Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-travelers/technology-errors-omissions) ## Sources ### TechInsurance 1. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 2. [Contact Us](https://www.techinsurance.com/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. 3. [Technology Errors and Omissions - Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. Accessed 2026-09-23. ### Travelers 4. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Who needs technology errors and omissions (E&O) insurance?; Cyber insurance: Travelers CyberRisk Tech insurance safeguards technology businesses from errors and omissions claims and cybersecurity threats. Accessed 2026-09-23. 5. [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. 6. [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. 7. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; What does cyber insurance coverage for technology companies include?; CyberRisk Tech offers broad and scalable protection options – businesses can choose cyber protection, E&O protection or both. Accessed 2026-09-23. ### Tech E&O Insurance Guide 8. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16. 9. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16. 10. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/techinsurance-vs-travelers/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)