The Hartford vs Travelers: How Do They Compare for Tech E&O Insurance?

Travelers sells E&O inside CyberRisk Tech, where a buyer chooses E&O, cyber or both, for technology and life-sciences companies; The Hartford lists FailSafe liability features, names hardware and telecom buyers as well as software, and cites $500 to $1,000 per employee a year.

The Hartford's FailSafe suite gives software, hardware and telecom firms E&O plus security, privacy, IP and media liability, typically at $500 to $1,000 per employee a year; Travelers lets you buy technology E&O alone or add cyber in one CyberRisk Tech policy. Neither publishes limits. ^1,^3,²

What Are the Key Differences Between The Hartford and Travelers Tech E&O Insurance?

Broad E&O Suite vs E&O With Optional Cyber

The Hartford's FailSafe Technology Liability Product Suite lists errors and omissions, security, data privacy and network security, personal injury, and IP and media liability, and sells cyber for attacks and data leaks as a separate product. Travelers writes technology E&O as one selectable agreement inside CyberRisk Tech, so you can take E&O alone or add breach response, cybercrime and business-loss cover in the same policy. Choose The Hartford if you need privacy, IP or media liability inside your E&O; choose Travelers if you want E&O and cyber from one policy, or E&O only. ¹ ² ³

A Price Range vs Services Tied to Cyber

The Hartford says tech E&O typically costs about $500 to $1,000 per employee per year for software and IT specialists, hardware makers and telecom providers. Travelers publishes no price, describes E&O as covering allegations of errors or negligence such as a customer's lost revenue from a software error, and ties its Cyber Risk Services to the cyber cover. If you buy E&O only from Travelers, expect no monitoring services. ¹ ² ³

What Should You Confirm in The Hartford and Travelers Tech E&O Insurance Quotes?

Ask Travelers which CyberRisk Tech agreements are on your quote, and ask The Hartford which FailSafe features are on yours. ³ ¹
Ask both for limits and check them against your customer contracts. ¹ ²
Check the issuing company on both declarations. ¹ ²

The Hartford vs Travelers Tech E&O Insurance Compared

The Hartford vs Travelers: Tech E&O Insurance: documented features by provider

Criteria	The Hartford FailSafe Technology Errors and Omissions Insurance	Travelers CyberRisk Tech Technology Errors and Omissions Coverage
Who It’s For	The Hartford names buyer types for Tech E&O: software and IT specialists (custom/packaged software developers, website designers, computer consultants, systems integrators, federal IT contractors), hardware and electronics manufacturers, and telecommunications providers (local/long-distance carriers, internet/application service providers, website hosting). ¹Company-reported. Technology E&O product page as read 2026-09-23.	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. ^2,³Company-reported. Technology-page FAQ and the cyber-for-technology product page.
Coverage Features	The Hartford lists FailSafe Technology E&O coverage features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability, and media liability. It distinguishes this from its separate cyber liability coverage, which addresses cyberattacks and data leaks specifically rather than broader product/service failures. ¹Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.	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. ²Company-reported. 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. ³Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state.
Role in This Line	The Hartford's FailSafe Technology Liability Product Suite is its technology errors and omissions (E&O) product, aimed at technology companies whose products or services can cause a customer's pure financial loss that traditional liability policies usually don't cover. ¹Company-reported. Technology E&O product page as read 2026-09-23.	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. ^2,³Company-reported. Technology and CyberRisk Tech product pages, as read on 2026-09-23.

Criteria

The Hartford FailSafe Technology Errors and Omissions Insurance

Travelers CyberRisk Tech Technology Errors and Omissions Coverage

Who It’s For

The Hartford names buyer types for Tech E&O: software and IT specialists (custom/packaged software developers, website designers, computer consultants, systems integrators, federal IT contractors), hardware and electronics manufacturers, and telecommunications providers (local/long-distance carriers, internet/application service providers, website hosting). ¹Company-reported. Technology E&O product page as read 2026-09-23.

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. ^2,³Company-reported. Technology-page FAQ and the cyber-for-technology product page.

Coverage Features

The Hartford lists FailSafe Technology E&O coverage features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability, and media liability. It distinguishes this from its separate cyber liability coverage, which addresses cyberattacks and data leaks specifically rather than broader product/service failures. ¹Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.

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. ²Company-reported. 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. ³Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state.

Role in This Line

The Hartford's FailSafe Technology Liability Product Suite is its technology errors and omissions (E&O) product, aimed at technology companies whose products or services can cause a customer's pure financial loss that traditional liability policies usually don't cover. ¹Company-reported. Technology E&O product page as read 2026-09-23.

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. ^2,³Company-reported. Technology and CyberRisk Tech product pages, as read on 2026-09-23.