---
title: "The Hartford vs Travelers Professional Liability (E&O) Insurance"
description: "The Hartford publishes exact average minimum premiums for five named products; Travelers doesn't publish limits for any of its E&O products."
canonical: "https://spot.insure/compare/the-hartford-vs-travelers/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# The Hartford vs Travelers Professional Liability (E&O) Insurance

The Hartford publishes exact average minimum premiums for five named products; Travelers doesn't publish limits for any of its E&O products.

## Research Scope and Use

Use this comparison to evaluate The Hartford and Travelers for Professional Liability (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

The Hartford publishes average minimum monthly premiums for five separate professional liability products, while Travelers' E&O page does not publish limit or retention amounts for any of its profession-specific products. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")

## What Is The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [1](https://www.thehartford.com/legal-notice "Legal Notice") [2](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [3](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## 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. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## 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. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")

### Who Each Company Targets

The Hartford names accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") Travelers names accountants, design professionals, lawyers, real estate professionals, insurance professionals, life/accident/health insurance agents, managed care organizations and financial institutions. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")

### 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") Travelers' page does not describe claims-made mechanics or an extended reporting option for its E&O products. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")

## What to Confirm in 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Ask Travelers for actual quoted limits and premiums, since its E&O page publishes neither. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")
- Ask both companies whether an extended reporting period is available and at what added cost. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")
- Confirm the exact issuing entity with Travelers, since its page names an affiliate group rather than one product-specific insurer. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)")

## Offering Details

| Criteria | The Hartford Professional Liability Insurance (Errors & Omissions) | Travelers Errors and Omissions Insurance |
| --- | --- | --- |
| 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [9](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: E&O and management-liability product pages, as read on 2026-09-23..) |
| Issuing Insurer | Not described in the reviewed sources. | 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") (Evidence: Company-reported; scope: Footer disclosure on the errors-and-omissions page..) |
| 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") (Evidence: Company-reported; scope: 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") (Evidence: Company-reported; scope: 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 | 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits..) | The reviewed E&O page does not publish limit or retention amounts for any of its professional-liability products. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [9](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: E&O page CTA and video transcript..) |

## Full Comparison

- [The Hartford vs Travelers](https://spot.insure/compare/the-hartford-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [The Hartford vs Travelers Business Owner’s Policy](https://spot.insure/compare/the-hartford-vs-travelers/business-owners-policy)
- [The Hartford vs Travelers Commercial Auto Insurance](https://spot.insure/compare/the-hartford-vs-travelers/commercial-auto)
- [The Hartford vs Travelers Commercial Property Insurance](https://spot.insure/compare/the-hartford-vs-travelers/commercial-property)
- [The Hartford vs Travelers Crime Insurance](https://spot.insure/compare/the-hartford-vs-travelers/crime)
- [The Hartford vs Travelers Cyber Insurance](https://spot.insure/compare/the-hartford-vs-travelers/cyber)
- [The Hartford vs Travelers D&O Insurance](https://spot.insure/compare/the-hartford-vs-travelers/directors-officers)
- [The Hartford vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/employment-practices)
- [The Hartford vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/fiduciary)
- [The Hartford vs Travelers General Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/general-liability)
- [The Hartford vs Travelers Inland Marine Insurance](https://spot.insure/compare/the-hartford-vs-travelers/inland-marine)
- [The Hartford vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/the-hartford-vs-travelers/kidnap-ransom)
- [The Hartford vs Travelers Management Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/management-liability)
- [The Hartford vs Travelers Tech E&O Insurance](https://spot.insure/compare/the-hartford-vs-travelers/technology-errors-omissions)
- [The Hartford vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/the-hartford-vs-travelers/workers-compensation)
- [Alliance Risk vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/professional-errors-omissions)
- [Alliance Risk vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/professional-errors-omissions)
- [At-Bay vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-the-hartford/professional-errors-omissions)
- [At-Bay vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-travelers/professional-errors-omissions)
- [Beazley vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-the-hartford/professional-errors-omissions)
- [Beazley vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-travelers/professional-errors-omissions)

## Sources

### The Hartford

1. [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.
2. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
3. [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.
4. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23.

### Travelers

5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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.
6. [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.
7. [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.
8. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). 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.
9. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/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

10. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). 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.
11. [Professional liability insurance](https://www.iii.org/article/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.
12. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
13. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). 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.

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.

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