The Hartford vs 
Travelers: How Do They Compare for Professional Liability (E&O) Insurance?
Travelers offers separate E&O products by profession and directs buyers to an independent agent; The Hartford lists average minimum monthly premiums, such as $62 for standalone miscellaneous professional liability.
The Hartford gives buyers minimum-premium benchmarks for five products; Travelers offers profession-specific forms but publishes no limits or retentions. 1,2
What Are the Key Differences Between The Hartford and Travelers Professional Liability (E&O) Insurance?
Published Minimum Premiums vs. No Published Figures
The Hartford publishes average minimum monthly premiums for five separate named products:
The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. 1Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.
Travelers' E&O page does not publish limit or retention amounts for any of its professional-liability products, though it says coverage can be customized to the risks of a specific profession. 2
Who Each Company Targets
The Hartford names accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. 1 Travelers names accountants, design professionals, lawyers, real estate professionals, insurance professionals, life/accident/health insurance agents, managed care organizations and financial institutions. 2
Claims-Made Terms and Extended Reporting
The Hartford's page describes many of its policies as claims-made with a retroactive date and an extended reporting period, typically 30 to 60 days and extendable to a year or more for an added cost, while noting some policies are written on an occurrence basis. 1 Travelers' page does not describe claims-made mechanics or an extended reporting option for its E&O products. 2
What Should You Confirm in The Hartford and Travelers Professional Liability (E&O) Insurance Quotes?
- Ask The Hartford which of its five priced products applies to your profession, since the average minimums vary widely. 1
- Ask Travelers for actual quoted limits and premiums, since its E&O page publishes neither. 2
- Ask both companies whether an extended reporting period is available and at what added cost. 1 2
- Confirm the exact issuing entity with Travelers, since its page names an affiliate group rather than one product-specific insurer. 2
The Hartford vs Travelers Professional Liability (E&O) Compared
The Hartford vs Travelers: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | The Hartford Professional Liability Insurance (Errors & Omissions) | Travelers Errors and Omissions Insurance |
|---|---|---|
| Who It’s For | The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. 1Company-reported. Professional liability product page as read 2026-09-23. | 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. 2Company-reported. Product-selection list on the E&O page. |
| Coverage Features | The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. 1Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls. | 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. 2Company-reported. E&O overview and video transcript; exclusions and limits are not detailed on this page and depend on the policy as issued. |
| Role in This Line | The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. 1Company-reported. Professional liability product page as read 2026-09-23. | Travelers underwrites errors and omissions insurance as one of several management and professional liability products, sold as a standalone policy written for the buyer's profession rather than bundled with other lines by default. 2,3Company-reported. E&O and management-liability product pages, as read on 2026-09-23. |
