--- title: "The Hartford vs Travelers: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/the-hartford-vs-travelers/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "the-hartford-vs-travelers" provider-a: "the-hartford" provider-b: "travelers" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/the-hartford-vs-travelers/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of The Hartford and Travelers for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about The Hartford versus Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - The Hartford vs Travelers for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, The Hartford or Travelers? - What does The Hartford or Travelers publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: The Hartford and Travelers. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [The Hartford vs Travelers](https://spot.insure/compare/the-hartford-vs-travelers) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile - [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile # 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 bundles E&O with security, privacy, IP and media liability and gives a per-employee price; Travelers lets tech and life-sciences companies buy E&O alone or add cyber in one CyberRisk Tech policy. ## The Hartford vs Travelers Tech E&O Insurance Summary 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [2](https://www.travelers.com/business-insurance/technology "Technology Insurance") ## 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") ### 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](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") ## 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](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [1](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - Ask both for limits and check them against your customer contracts. [1](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.travelers.com/business-insurance/technology "Technology Insurance") - Check the issuing company on both declarations. [1](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [2](https://www.travelers.com/business-insurance/technology "Technology Insurance") ## The Hartford vs Travelers Tech E&O Insurance Compared | 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). [1](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [1](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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. [2](https://www.travelers.com/business-insurance/technology "Technology Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [1](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Technology and CyberRisk Tech product pages, as read on 2026-09-23..) | ## About The Hartford and Travelers and Tech E&O Insurance - [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews) - [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for The Hartford vs Travelers Tech E&O Insurance - [The Hartford vs Travelers](https://spot.insure/compare/the-hartford-vs-travelers): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) - [Travelers Tech E&O Insurance](https://spot.insure/insurance-providers/travelers/technology-errors-omissions) ## Sources for The Hartford vs Travelers Tech E&O Insurance ### Sources About The Hartford 1. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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. ### Sources About Travelers 2. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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. 3. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). 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. Updated 2026-09-25. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/the-hartford-vs-travelers/technology-errors-omissions.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)