The Hartford vs 
Travelers Tech E&O Insurance
The Hartford’s FailSafe is a dedicated Tech E&O suite; Travelers writes E&O as a selectable agreement inside CyberRisk Tech.
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. 1,2,3
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. 5,6,7
What Is Technology Errors and Omissions (E&O) Insurance?
Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. 9,10,11
Key Differences in Tech E&O Insurance
FailSafe Versus a Selectable Agreement
The Hartford’s FailSafe Technology Liability Product Suite is its technology E&O product. Travelers underwrites technology E&O as one selectable insuring agreement inside CyberRisk Tech, so a buyer chooses E&O protection, cyber protection, or both in the same product. Both are carrier products; they package the line differently. 4 5 8
How E&O Sits Next to Cyber
The Hartford distinguishes FailSafe from its separate cyber liability coverage, which addresses cyberattacks and data leaks rather than broader product or service failures. Travelers distinguishes the technology E&O agreement from the rest of CyberRisk Tech, which separately includes breach response, cybercrime and business-loss coverages, and says a buyer can select E&O without those cyber-specific agreements. 4 8
What Each Says the E&O Piece Covers
The Hartford lists FailSafe features as errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability, and media liability. Travelers says the technology E&O insuring agreement helps cover costs from allegations of errors, omissions or negligent acts in performing services, using a customer lost-revenue example from a software or technology-service error. 4 5
What to Confirm in Tech E&O Insurance Quotes
- Ask Travelers which CyberRisk Tech agreements are on the quote; ask The Hartford which FailSafe features are on the form. 8 4
- Read the issuing-company line on both declarations. 4 5
- Compare unpublished limits with contract requirements. 4 5
- If you want Travelers Cyber Risk Services, confirm cyber coverage is selected. 8
Offering Details
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 |
|---|---|---|
| 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. 4Company-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. 5,8Company-reported. Technology and CyberRisk Tech product pages, as read on 2026-09-23. |
| 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). 4Company-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. 5,8Company-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. 4Company-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. 5Company-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. 8Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state. |
| Limits and Retentions | The Hartford says E&O coverage for technology businesses typically costs about $500 to $1,000 per year per employee; the page does not publish standard coverage limits, which depend on location, employee count, coverage limits chosen and lawsuit history. 4Company-reported. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit. | The reviewed pages do not publish limit or retention amounts for the technology E&O insuring agreement specifically. 5,8Not publicly disclosed. Technology and cyber-for-technology pages as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | Travelers says CyberRisk Tech policyholders with cyber coverage get access to Cyber Risk Services, including a 24/7 Cyber Risk Dashboard and threat monitoring, but the cyber-for-technology page states availability of these services depends on policy eligibility and lists them under cyber coverage rather than as a benefit tied specifically to the technology E&O agreement. 8Company-reported. Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit. |
| How to Apply | Not described in the reviewed sources. | Travelers tells technology buyers to consult their insurance agent or a Travelers representative about CyberRisk Tech coverage; the reviewed pages do not describe a self-service quote path for technology E&O. 8Company-reported. Cyber-for-technology page CTA. |
Full Comparison
More The Hartford vs Travelers Comparisons
Other Tech E&O Insurance Comparisons
Sources
The Hartford
- 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.
- SaaS Insurance for Your Business. 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.
- Find a Local Insurance 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.
- Technology Errors and Omissions Insurance | Technology E&O. The Hartford; What Is Technology Errors and Omissions Insurance?; How Does Technology Errors and Omissions Insurance Work; Technology Errors and Omissions Insurance Coverage feature list; Technology Errors and Omissions Insurance Cost; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-23.
Travelers
- Technology Insurance. Travelers; Who needs technology errors and omissions (E&O) insurance?; Cyber insurance: Travelers CyberRisk Tech insurance safeguards technology businesses from errors and omissions claims and cybersecurity threats. Accessed 2026-09-23.
- Travelers Producer Compensation Disclosure (United States). 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.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Cyber Insurance for Technology and Life Sciences. Travelers; What does cyber insurance coverage for technology companies include?; CyberRisk Tech offers broad and scalable protection options – businesses can choose cyber protection, E&O protection or both. Accessed 2026-09-23.
Tech E&O Insurance Guide
- Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
- Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
- DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
