--- title: "The Hartford vs Travelers Insurance" description: "How The Hartford’s SaaS-focused small-business packages compare with Travelers CyberRisk Tech and technology-services programs for similar buyers." canonical: "https://spot.insure/compare/the-hartford-vs-travelers" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "The Hartford", "Travelers"] --- [Human-readable page](https://spot.insure/compare/the-hartford-vs-travelers) # The Hartford vs Travelers Insurance How The Hartford’s SaaS-focused small-business packages compare with Travelers CyberRisk Tech and technology-services programs for similar buyers. ## Research Scope and Use Use this comparison to evaluate The Hartford and Travelers against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights The Hartford is a property-casualty insurer group that markets SaaS and small-business packages online and through agents. Travelers is a property-casualty insurer group with a technology practice sold through independent producers. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [4](https://www.thehartford.com/legal-notice "Legal Notice") [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [30](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") ## Introduction A bootstrapped software-as-a-service (SaaS) company with a small staff may use The Hartford’s online small-business quote-and-buy path and, separately, receive a Travelers CyberRisk Tech proposal from an independent agent. Both are insurer groups with multiple subsidiaries—not interchangeable brands. The Hartford names Hartford Fire Insurance Company and Hartford Underwriters Insurance Company among writing companies; Travelers names The Travelers Indemnity Company and affiliates. Compare the legal insurer on each declarations page, not the group logo. [4](https://www.thehartford.com/legal-notice "Legal Notice") [35](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") ## Documented Provider Strengths ### The Hartford - The Hartford designs small-business packages for SaaS and other software companies, typically starting from a business owner’s policy. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [24](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [23](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) - Small-business buyers can start an online quote-and-buy flow or call, or use an independent Hartford agent; commercial auto is not sold on that self-serve path. [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [17](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) ### Travelers - Travelers markets technology insurance to startups and established tech companies, with CyberRisk Tech that can combine cyber and technology E&O. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [30](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.) - U.S. business insurance is sold through independent agents; many small risks can be quoted and issued in an agent platform, while specialty technology accounts still need underwriting. [34](https://www.travelers.com/contact-us "Contact Us") [51](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [50](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | The Hartford | Travelers | | --- | --- | --- | | Business owner’s policy | Listed [9](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed [30](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") | | Cargo and transit | Not listed | Listed [41](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | Commercial auto | Listed [17](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | Commercial property | Listed [11](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | Crime | Listed [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | Listed [40](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") | | Cyber liability | Listed [13](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | Directors and officers | Listed [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [20](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | Listed [37](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") | | Employee health and benefits | Listed [24](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") | Not listed | | Employment practices liability | Listed [16](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed [39](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") | | Equipment breakdown | Not listed | Listed [43](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") | | Fidelity bonds | Not listed | Listed [42](https://www.travelers.com/surety-bond "Surety Bonds") [36](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | Fiduciary liability | Listed [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | Listed [38](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") | | General liability | Listed [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | Hired and non-owned auto | Listed [18](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [17](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | Not listed | | Kidnap and ransom | Listed [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | Listed [36](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [47](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") | | Management liability | Listed [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | Listed [36](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | Media liability | Not listed | Listed [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | Professional liability / E&O | Listed [15](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | Listed [55](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") | | Surety bonds | Not listed | Listed [42](https://www.travelers.com/surety-bond "Surety Bonds") | | Technology errors and omissions | Listed [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [13](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | Listed [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | Tools, equipment and inland marine | Listed [23](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | Listed [41](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | Umbrella and excess liability | Listed [21](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [22](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | Listed [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [54](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") | | Workers’ compensation | Listed [12](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [53](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between the Hartford and Travelers Insurance ### Competing Insurer Groups The Hartford is the brand of The Hartford Insurance Group, Inc., a financial holding company whose subsidiaries underwrite property-and-casualty insurance, employee benefits and other financial products. Independent agents and brokers, and Hartford employees who sell insurance, distribute those products. The brand is not itself the insurer on a policy. [4](https://www.thehartford.com/legal-notice "Legal Notice") [25](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [21](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) 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. [56](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [49](https://www.travelers.com/about-travelers "Who We Are") [35](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.) The Hartford Insurance Group, Inc. is a holding company; Hartford Fire Insurance Company (National Association of Insurance Commissioners code 19682) is listed as authorized in all U.S. states and the District of Columbia on the legal notice. Travelers Companies, Inc. (NYSE: TRV) describes Business Insurance as distributed through independent agencies. Each quote’s issuing company must be read from that policy. [4](https://www.thehartford.com/legal-notice "Legal Notice") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") ### SaaS BOP Versus Travelers Technology Stack The Hartford’s SaaS page starts from a business owner’s policy (BOP) combining general liability, commercial property and business income, with add-ons for workers compensation, data breach, commercial auto, cyber, employment practices liability (EPL) and technology professional liability. Travelers lists CyberRisk Tech, a technology-services BOP, property, workers compensation, commercial auto and umbrella on technology pages, plus management-liability lines on separate pages. Product labels differ; neither listing is a bind guarantee. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") The Hartford’s EPL page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York and that its described EPL program does not apply to California EPL written there. Travelers employment-practices materials describe a different buyer set—confirm EPL availability for your state and class on each quote. [16](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [39](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") ### Quote Paths and Geographic Caveats The Hartford offers a public quote portal with steps through payment and says certificates are available online 24/7 for small-business customers. Travelers tells buyers to use an independent agent; MyTravelers real-time certificates are limited to certain account types. [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [34](https://www.travelers.com/contact-us "Contact Us") [46](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") Both groups state products are not available in all states or for all businesses. The Hartford commercial auto is not sold on the self-serve path. Travelers Global Companion Plus+ is described as non-admitted for U.S. product purposes. [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [47](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") ## What to Confirm in Quotes - **Writing company National Association of Insurance Commissioners code** on Hartford versus Travelers declarations. [4](https://www.thehartford.com/legal-notice "Legal Notice") [58](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") - **Technology errors and omissions form**—Hartford FailSafe/technology professional liability versus Travelers CyberRisk Tech. [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") - **Employment practices liability availability in California** if you have employees there. [16](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") - **Agent fees** if using a Hartford agent versus Travelers producer compensation disclosure. [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [35](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") - **Umbrella underlying requirements** if stacking limits across carriers. [54](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [21](https://www.thehartford.com/commercial-insurance "Commercial Insurance") ## Service Comparison The Hartford vs Travelers Insurance: documented services and availability. | Criteria | The Hartford | Travelers | | --- | --- | --- | | Business role | The Hartford is the brand of The Hartford Insurance Group, Inc., a financial holding company whose subsidiaries underwrite property-and-casualty insurance, employee benefits and other financial products. Independent agents and brokers, and Hartford employees who sell insurance, distribute those products. The brand is not itself the insurer on a policy. [4](https://www.thehartford.com/legal-notice "Legal Notice") [25](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [21](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) | 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. [56](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [49](https://www.travelers.com/about-travelers "Who We Are") [35](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.)

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. [35](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [34](https://www.travelers.com/contact-us "Contact Us") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") (Evidence: Company-reported; scope: U.S. distribution disclosure. Ownership of digital agencies does not establish that those agencies place technology business insurance for a given buyer, including in California.; verified: 2026-09-16.) | | Customer focus | The Hartford markets small-business insurance to SaaS companies, software startups, cloud and IT consulting firms, and other small businesses, and separately sells midsize/large commercial and employer benefits products. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [24](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [23](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) | 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. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [30](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.) | | Coverage lines | Documented Hartford offerings for businesses include a business owner’s policy (general liability, commercial property and business income), stand-alone general liability and commercial property, workers’ compensation, cyber (including BOP data-breach add-ons, CyberChoice First Response and FailSafe Technology E&O), miscellaneous professional liability, employment practices liability, commercial auto and hired/non-owned auto, management-liability packages (Private Choice Premier: directors and officers, EPL, fiduciary, crime, kidnap and ransom), commercial umbrella, employee benefits, and inland marine for midsize and large accounts. Actual forms, limits and availability vary by product, state and underwriting. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [9](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [13](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [15](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [16](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [17](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [18](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [21](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [24](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [23](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Product and service pages reviewed 16 September 2026. Educational FAQs were not used as the sole proof of an offering. Marketing lists are not specimen policy wording.; verified: 2026-09-16.)

The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [16](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) | On its technology pages, Travelers lists CyberRisk Tech (technology E&O and cyber options, including media and regulatory-proceedings agreements on the cyber page), Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto and umbrella. Other current offering pages list a small-business technology-services BOP, management-liability lines (D&O, EPL, fiduciary, fidelity and crime, kidnap and ransom), professional E&O, inland marine including cargo, equipment breakdown, surety and commercial umbrella/excess including a Northfield surplus-lines option. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [30](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [36](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [55](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [41](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") [43](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [42](https://www.travelers.com/surety-bond "Surety Bonds") [54](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Marketed catalogue from product and service pages accessed 16 September 2026. Labels are not policy wording, limits or endorsements, and not every line is offered in a combined technology package.; verified: 2026-09-16.) | | Application process | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [17](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) | Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Technology and CyberRisk Tech pages likewise tell buyers to consult an agent or Travelers representative; a direct public bind path for technology packages was not found on the reviewed pages. [34](https://www.travelers.com/contact-us "Contact Us") [51](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [50](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) | | Availability | The Hartford states that products are not available in all states or for all businesses, and that listing a writing company as authorized to transact insurance does not guarantee that coverage will be offered. Workers’ compensation pages also say that in some states coverage can be bought only from a state-run program, not from a private insurer such as The Hartford. [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [4](https://www.thehartford.com/legal-notice "Legal Notice") [12](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [9](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company availability footnotes and workers’ compensation quiz copy as of 16 September 2026. The reviewed pages did not publish a complete product-by-state matrix for SaaS or BOP.; verified: 2026-09-16.)

The Hartford operates a California small-business insurance page that lists BOP, general liability, workers’ compensation, commercial auto, commercial property and professional liability and says California buyers can get a quote online or by phone. Hartford Fire Insurance Company is independently listed by the California Department of Insurance as an authorized property-and-casualty insurer (NAIC 19682). Those facts do not identify which affiliate would issue a particular California policy or whether a given SaaS risk will be accepted. [3](https://www.thehartford.com/business-insurance/california "California Business Insurance") [28](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [4](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Company-reported; scope: Company California marketing plus CDI company profile accessed 16 September 2026. Office location and nationwide authorization tables were not treated as product eligibility.; verified: 2026-09-16.) | 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. [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [56](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [49](https://www.travelers.com/about-travelers "Who We Are") (Evidence: Company-reported; scope: Group geographic description from the 2025 Form 10-K and investor profile. Primary-U.S. operations do not mean every product is available in every state.; verified: 2026-09-16.)

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. [58](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") [59](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile "California Department of Insurance company profile: Travelers Casualty and Surety Company of America") [52](https://agent.travelers.com/ca "Travelers Insurance agencies in CA") [47](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Verified; scope: Admitted-insurer authorization and a public agency directory as of 16 September 2026. No product-by-product California eligibility schedule was found on the reviewed technology pages. U.S. Global Companion Plus+ is described by Travelers as non-admitted and not equivalent to a local admitted policy.; verified: 2026-09-16.) | ## Related Reading - [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford) - [What Is Travelers Insurance?](https://spot.insure/insurance-providers/travelers) ## Related Comparisons - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Alliance Risk vs Travelers Insurance](https://spot.insure/compare/alliance-risk-vs-travelers) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Amelia Risk vs Travelers](https://spot.insure/compare/amelia-risk-vs-travelers) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [Armilla vs Travelers Insurance](https://spot.insure/compare/armilla-vs-travelers) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - [At-Bay vs Travelers Insurance](https://spot.insure/compare/at-bay-vs-travelers) - [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford) - [Beazley vs Travelers Insurance](https://spot.insure/compare/beazley-vs-travelers) - [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford) - [CFC vs Travelers](https://spot.insure/compare/cfc-vs-travelers) - [Chubb vs The Hartford](https://spot.insure/compare/chubb-vs-the-hartford) - [Chubb vs Travelers](https://spot.insure/compare/chubb-vs-travelers) - [Coalition vs The Hartford](https://spot.insure/compare/coalition-vs-the-hartford) - [Coalition vs Travelers Insurance](https://spot.insure/compare/coalition-vs-travelers) - [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford) - [Corgi vs Travelers Insurance](https://spot.insure/compare/corgi-vs-travelers) - [Coterie Insurance vs The Hartford](https://spot.insure/compare/coterie-vs-the-hartford) - [Coterie vs Travelers Insurance](https://spot.insure/compare/coterie-vs-travelers) - [Coverdash vs The Hartford](https://spot.insure/compare/coverdash-vs-the-hartford) - [Coverdash vs Travelers Insurance](https://spot.insure/compare/coverdash-vs-travelers) - [Cowbell vs The Hartford](https://spot.insure/compare/cowbell-vs-the-hartford) - [Cowbell vs Travelers Insurance](https://spot.insure/compare/cowbell-vs-travelers) - [Embroker vs The Hartford](https://spot.insure/compare/embroker-vs-the-hartford) - [Embroker vs Travelers Insurance](https://spot.insure/compare/embroker-vs-travelers) - [Founder Shield vs The Hartford](https://spot.insure/compare/foundershield-vs-the-hartford) - [Founder Shield vs Travelers Insurance](https://spot.insure/compare/foundershield-vs-travelers) - [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford) - [Gallagher vs Travelers](https://spot.insure/compare/gallagher-vs-travelers) - [Harper vs The Hartford](https://spot.insure/compare/harper-vs-the-hartford) - [Harper vs Travelers Insurance](https://spot.insure/compare/harper-vs-travelers) - [Heffernan vs The Hartford](https://spot.insure/compare/heffernan-vs-the-hartford) - [Heffernan vs Travelers](https://spot.insure/compare/heffernan-vs-travelers) - [Hiscox vs The Hartford](https://spot.insure/compare/hiscox-vs-the-hartford) - [Hiscox vs Travelers Insurance](https://spot.insure/compare/hiscox-vs-travelers) - [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) - [Kinro vs The Hartford](https://spot.insure/compare/kinro-vs-the-hartford) - [Kinro vs Travelers Insurance](https://spot.insure/compare/kinro-vs-travelers) - [Layr vs The Hartford](https://spot.insure/compare/layr-vs-the-hartford) - [Layr vs Travelers Insurance](https://spot.insure/compare/layr-vs-travelers) - [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford) - [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers) - [Marsh vs The Hartford](https://spot.insure/compare/marsh-vs-the-hartford) - [Marsh vs Travelers Insurance](https://spot.insure/compare/marsh-vs-travelers) - [Mylo vs The Hartford](https://spot.insure/compare/mylo-vs-the-hartford) - [Mylo vs Travelers Insurance](https://spot.insure/compare/mylo-vs-travelers) - [Newfront vs The Hartford](https://spot.insure/compare/newfront-vs-the-hartford) - [Newfront vs Travelers Insurance](https://spot.insure/compare/newfront-vs-travelers) - [ERGO NEXT Insurance vs The Hartford](https://spot.insure/compare/next-insurance-vs-the-hartford) - [ERGO NEXT Insurance vs Travelers Insurance](https://spot.insure/compare/next-insurance-vs-travelers) - [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford) - [Pie Insurance vs Travelers Insurance](https://spot.insure/compare/pie-insurance-vs-travelers) - [Relm vs The Hartford](https://spot.insure/compare/relm-vs-the-hartford) - [Relm Insurance vs Travelers Insurance](https://spot.insure/compare/relm-vs-travelers) - [Resilience vs The Hartford](https://spot.insure/compare/resilience-vs-the-hartford) - [Resilience vs Travelers](https://spot.insure/compare/resilience-vs-travelers) - [RiskCube vs The Hartford](https://spot.insure/compare/riskcube-vs-the-hartford) - [RiskCube vs Travelers](https://spot.insure/compare/riskcube-vs-travelers) - [Risklytics vs The Hartford](https://spot.insure/compare/risklytics-vs-the-hartford) - [Risklytics vs Travelers Insurance](https://spot.insure/compare/risklytics-vs-travelers) - [StartupInsurance.ai vs The Hartford](https://spot.insure/compare/startupinsurance-vs-the-hartford) - [StartupInsurance.ai vs Travelers Insurance](https://spot.insure/compare/startupinsurance-vs-travelers) - [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford) - [TechInsurance vs Travelers](https://spot.insure/compare/techinsurance-vs-travelers) - [The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi) - [The Hartford vs Vouch](https://spot.insure/compare/the-hartford-vs-vouch) - [The Hartford vs WithCoverage](https://spot.insure/compare/the-hartford-vs-withcoverage) - [Travelers vs USI](https://spot.insure/compare/travelers-vs-usi) - [Travelers Insurance vs Vouch](https://spot.insure/compare/travelers-vs-vouch) - [Travelers Insurance vs WithCoverage](https://spot.insure/compare/travelers-vs-withcoverage) ## Sources ### [The Hartford Official Website](https://www.thehartford.com) 1. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); BOP contents; add-ons (workers’ compensation, data breach, commercial auto); cyber, EPLI, technology professional liability mentions; online quote claim; company-reported industry-average premiums footnote. Accessed 2026-09-16. 2. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16. 3. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16. 4. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16. 5. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16. 6. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16. 7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 8. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Viewed without submitting an application. Accessed 2026-09-16. 9. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; last updated May 20, 2026; products-not-available-in-all-states footnote. Accessed 2026-09-16. 10. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; Stand-alone GL and BOP bundling; products-completed operations; technology-company example; last updated May 20, 2026; subsidiary-offering disclosure referencing the Legal Notice. Accessed 2026-09-16. 11. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Property and business-interruption descriptions; technology firms listed among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16. 12. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; State-requirement quiz noting some states require purchase from a state-run program rather than a private insurer; pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16. 13. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; BOP-endorsed cyber versus CyberChoice First Response versus FailSafe Technology E&O; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16. 14. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; FailSafe Technology Liability Product Suite features including E&O, security, data privacy/network security, personal injury, intellectual property and media liability; software and SaaS-relevant buyer classes; last updated September 19, 2024. Accessed 2026-09-16. 15. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Miscellaneous professional liability and a listed Errors & Omissions Insurance for Technology Companies product; claims-made versus occurrence discussion; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16. 16. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; Hartford-provided EPLI; BOP inclusion claim; Private Choice Premier and Employers Premier Choice; footnotes that built-in EPL coverage is not available in California, Minnesota, North Dakota or New York and that the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16. 17. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Statement that The Hartford does not currently offer this coverage online for small businesses and may route quotes through a local agency or Tivly; hired and non-owned auto description; last updated August 27, 2026. Accessed 2026-09-16. 18. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hartford offering of hired and non-owned auto; liability-only limitations; last updated August 27, 2026. Accessed 2026-09-16. 19. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Private Choice Premier package (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion); option to add certain coverages to a BOP; instruction to find a local agent. Accessed 2026-09-16. 20. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations via Private Choice Premier. Accessed 2026-09-16. 21. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; optional commercial umbrella; about-10-minute quote claim; products not available in all states; coverages may be offered by one or more P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16. 22. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; Commercial umbrella, EPL, data breach and other coverage descriptions; last updated July 28, 2025; products-not-available-in-all-states footnote. Accessed 2026-09-16. 23. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses. Accessed 2026-09-16. 24. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16. 25. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16. 26. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16. 27. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16. 28. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16. ### [Travelers Official Website](https://www.travelers.com/business-insurance/technology) 29. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Hero and product list: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 30. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). Travelers; Technology services BOP inclusions; eligible small-business classes; EPL+ and World Business Essentials add-ons; independent-agent CTA. Accessed 2026-09-16. 31. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech insuring agreements including technology E&O, privacy and security, media and regulatory proceedings, breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16. 32. [IT Insurance](https://www.travelers.com/business-insurance/technology/information-technology). Travelers; IT audience (software, consultants, staffing, network integration) and listed products including CyberRisk Tech and employment practices liability. Accessed 2026-09-16. 33. [Business and Commercial Insurance Policy Quotes](https://www.travelers.com/business-insurance). Travelers; Find an insurance agent CTA; product tiles including cyber, management and professional liability, BOP, surety, workers compensation; cost depends on risk factors; A.M. Best A++ company statement. Accessed 2026-09-16. 34. [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. 35. [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. 36. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; D&O, EPL, ERISA fidelity, E&O, fidelity and crime, fiduciary, kidnap and ransom; stand-alone or suite; private, public, nonprofit and financial institutions. Accessed 2026-09-16. 37. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; D&O product description; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 38. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; Fiduciary liability offering for private, public, nonprofit and financial institutions; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 39. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; EPL product description for private, public, nonprofit and financial institutions; independent-agent CTA. Accessed 2026-09-16. 40. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; Fidelity and crime insuring agreements including social engineering, computer fraud and employee dishonesty; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 41. [Inland Marine Insurance](https://www.travelers.com/business-insurance/inland-marine). Travelers; Inland marine property in transit; computers and electronics; transportation, cargo and logistics coverage. Accessed 2026-09-16. 42. [Surety Bonds](https://www.travelers.com/surety-bond). Travelers; Listed bond types including bid/performance/payment, license and permit, and ERISA fidelity. Accessed 2026-09-16. 43. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21 equipment-breakdown package, including high-tech businesses among stated audiences. Accessed 2026-09-16. 44. [Business Insurance Claims](https://www.travelers.com/business-insurance/claims). Travelers; 24/7/365 reporting via agent, online system or 800.238.6225; Technology claim unit since 1998; equipment-breakdown and inland marine claim units. Accessed 2026-09-16. 45. [File a Business Claim](https://www.travelers.com/claims/file-claim/business). Travelers; MyTravelers for Business login path to file a claim. Accessed 2026-09-16. 46. [MyTravelers for Business Online Self-Service Capabilities](https://www.travelers.com/small-business-insurance/mytravelers). Travelers; Pay bills, report and track claims, policy documents, certificates; footnotes limiting some features to Select Accounts and National Programs Commercial Multi-Peril customers. Accessed 2026-09-16. 47. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; Global Companion Plus+ coverages; U.S. product described as non-admitted; INI network in over 150 countries; kidnap and ransom among listed coverages. Accessed 2026-09-16. 48. [Global Insurance](https://www.travelers.com/business-insurance/global). Travelers; Global insurance for U.S. companies doing business abroad; Global Companion Plus+ versus Controlled Master Programs. Accessed 2026-09-16. 49. [Who We Are](https://www.travelers.com/about-travelers). Travelers; Property-casualty insurer; more than 30,000 employees and 15,000 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland. Accessed 2026-09-16. 50. [Benefit from the Personal Attention of a Travelers Independent Agent](https://www.travelers.com/about-travelers/value-of-an-agent). Travelers; Independent agents are not captive to one company; can help with claims and policy updates; Travelers.com/find agent CTA. Accessed 2026-09-16. 51. [Find the nearest Travelers Insurance agency](https://agent.travelers.com/search). Travelers; Public independent-agency locator for home, auto, business and renters insurance. Accessed 2026-09-16. 52. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16. 53. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; Product description; buy via local Travelers agent; The Travelers Indemnity Company footer; monopolistic-state qualification. Accessed 2026-09-16. 54. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; A/B umbrella, excess liability, and Northfield excess and surplus lines; purchase via independent agent; typically requires underlying Travelers primary coverage. Accessed 2026-09-16. 55. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16. 56. [Travelers Investor Relations Corporate Profile](https://investor.travelers.com/home/default.aspx). The Travelers Companies, Inc.; NYSE: TRV; property casualty insurance for auto, home and business sold primarily through independent agents and brokers; operations in the United States and selected international markets. Accessed 2026-09-16. 57. [The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm). U.S. Securities and Exchange Commission; Item 1 Business: holding company; Business Insurance distributed through independent agencies and brokers; Select Accounts automated quote/bind/issue for many small risks; Bond & Specialty distribution; California premium-share tables. Accessed 2026-09-16. 58. [California Department of Insurance company profile: Travelers Indemnity Company (The)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile). California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548; authorized lines including liability, fire, workers’ compensation and surety. Accessed 2026-09-16. 59. [California Department of Insurance company profile: Travelers Casualty and Surety Company of America](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile). California Department of Insurance; NAIC 31194; California Company ID 2444-8; authorized 07/31/1981; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/the-hartford-vs-travelers.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)