--- title: "The Hartford vs Travelers" description: "The Hartford offers direct small-business and SaaS quotes; Travelers sells CyberRisk Tech through independent agents." canonical: "https://thegeneralaverage.com/compare/the-hartford-vs-travelers" page-type: "provider-comparison" updated-at: "2026-09-30" comparison-pair: "the-hartford-vs-travelers" provider-a: "the-hartford" provider-b: "travelers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, 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://thegeneralaverage.com/compare/the-hartford-vs-travelers) ## Agent Guide **What this page is:** Side-by-side comparison of The Hartford and Travelers as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how The Hartford and Travelers differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do The Hartford and Travelers compare? - Which is better for business insurance, The Hartford or Travelers? - Does The Hartford or Travelers offer the coverage lines I need? - What service and claims differences are documented between The Hartford and Travelers? **Key facts:** - Providers compared: The Hartford and Travelers. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 32 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [The Hartford profile](https://thegeneralaverage.com/insurance-providers/the-hartford) — provider profile (evidence for this comparison) - [Travelers profile](https://thegeneralaverage.com/insurance-providers/travelers) — provider profile (evidence for this comparison) - [The Hartford Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/the-hartford/business-owners-policy) — one provider's documented offering for a shared coverage line - [Travelers Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/travelers/business-owners-policy) — one provider's documented offering for a shared coverage line - [The Hartford Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-auto) — one provider's documented offering for a shared coverage line - [Travelers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-auto) — one provider's documented offering for a shared coverage line - [The Hartford Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-property) — one provider's documented offering for a shared coverage line - [Travelers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-property) — one provider's documented offering for a shared coverage line - [The Hartford Crime Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/crime) — one provider's documented offering for a shared coverage line - [Travelers Crime Insurance](https://thegeneralaverage.com/insurance-providers/travelers/crime) — one provider's documented offering for a shared coverage line - [The Hartford Cyber Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/cyber) — one provider's documented offering for a shared coverage line - [Travelers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cyber) — one provider's documented offering for a shared coverage line - [The Hartford D&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/directors-officers) — one provider's documented offering for a shared coverage line - [Travelers D&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/directors-officers) — one provider's documented offering for a shared coverage line - [The Hartford Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/employment-practices) — one provider's documented offering for a shared coverage line - [Travelers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/employment-practices) — one provider's documented offering for a shared coverage line - [The Hartford Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/fiduciary) — one provider's documented offering for a shared coverage line - [Travelers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/fiduciary) — one provider's documented offering for a shared coverage line - [The Hartford General Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/general-liability) — one provider's documented offering for a shared coverage line - [Travelers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/general-liability) — one provider's documented offering for a shared coverage line - [The Hartford Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/inland-marine) — one provider's documented offering for a shared coverage line - [Travelers Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/travelers/inland-marine) — one provider's documented offering for a shared coverage line - [The Hartford Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/kidnap-ransom) — one provider's documented offering for a shared coverage line - [Travelers Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/travelers/kidnap-ransom) — one provider's documented offering for a shared coverage line - [The Hartford Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/management-liability) — one provider's documented offering for a shared coverage line - [Travelers Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/management-liability) — one provider's documented offering for a shared coverage line - [The Hartford Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Travelers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/travelers/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [The Hartford Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [Travelers Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [The Hartford Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/umbrella-excess) — one provider's documented offering for a shared coverage line - [Travelers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/umbrella-excess) — one provider's documented offering for a shared coverage line - [The Hartford Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/workers-compensation) — one provider's documented offering for a shared coverage line - [Travelers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/travelers/workers-compensation) — one provider's documented offering for a shared coverage line - [AIG vs The Hartford](https://thegeneralaverage.com/compare/aig-vs-the-hartford) — sibling comparison - [AIG vs Travelers](https://thegeneralaverage.com/compare/aig-vs-travelers) — sibling comparison - [Alliance Risk vs The Hartford](https://thegeneralaverage.com/compare/alliance-risk-vs-the-hartford) — sibling comparison - [Alliance Risk vs Travelers](https://thegeneralaverage.com/compare/alliance-risk-vs-travelers) — sibling comparison - [Amelia Risk vs The Hartford](https://thegeneralaverage.com/compare/amelia-risk-vs-the-hartford) — sibling comparison - [Amelia Risk vs Travelers](https://thegeneralaverage.com/compare/amelia-risk-vs-travelers) — sibling comparison - [Aon vs The Hartford](https://thegeneralaverage.com/compare/aon-vs-the-hartford) — sibling comparison - [Aon vs Travelers](https://thegeneralaverage.com/compare/aon-vs-travelers) — sibling comparison - [Armilla vs The Hartford](https://thegeneralaverage.com/compare/armilla-vs-the-hartford) — sibling comparison - [Armilla vs Travelers](https://thegeneralaverage.com/compare/armilla-vs-travelers) — sibling comparison - [At-Bay vs The Hartford](https://thegeneralaverage.com/compare/at-bay-vs-the-hartford) — sibling comparison - [At-Bay vs Travelers](https://thegeneralaverage.com/compare/at-bay-vs-travelers) — sibling comparison - [The Baldwin Group vs The Hartford](https://thegeneralaverage.com/compare/baldwin-vs-the-hartford) — sibling comparison - [The Baldwin Group vs Travelers](https://thegeneralaverage.com/compare/baldwin-vs-travelers) — sibling comparison - [Beazley vs The Hartford](https://thegeneralaverage.com/compare/beazley-vs-the-hartford) — sibling comparison - [Beazley vs Travelers](https://thegeneralaverage.com/compare/beazley-vs-travelers) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs The Hartford](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Travelers](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-travelers) — sibling comparison - [biBerk vs The Hartford](https://thegeneralaverage.com/compare/biberk-vs-the-hartford) — sibling comparison - [biBerk vs Travelers](https://thegeneralaverage.com/compare/biberk-vs-travelers) — sibling comparison - [CFC vs The Hartford](https://thegeneralaverage.com/compare/cfc-vs-the-hartford) — sibling comparison - [CFC vs Travelers](https://thegeneralaverage.com/compare/cfc-vs-travelers) — sibling comparison - [Chubb vs The Hartford](https://thegeneralaverage.com/compare/chubb-vs-the-hartford) — sibling comparison - [Chubb vs Travelers](https://thegeneralaverage.com/compare/chubb-vs-travelers) — sibling comparison - [CNA vs The Hartford](https://thegeneralaverage.com/compare/cna-vs-the-hartford) — sibling comparison - [CNA vs Travelers](https://thegeneralaverage.com/compare/cna-vs-travelers) — sibling comparison - [Coalition vs The Hartford](https://thegeneralaverage.com/compare/coalition-vs-the-hartford) — sibling comparison - [Coalition vs Travelers](https://thegeneralaverage.com/compare/coalition-vs-travelers) — sibling comparison - [Corgi vs The Hartford](https://thegeneralaverage.com/compare/corgi-vs-the-hartford) — sibling comparison - [Corgi vs Travelers](https://thegeneralaverage.com/compare/corgi-vs-travelers) — sibling comparison - [Coterie Insurance vs The Hartford](https://thegeneralaverage.com/compare/coterie-vs-the-hartford) — sibling comparison - [Coterie Insurance vs Travelers](https://thegeneralaverage.com/compare/coterie-vs-travelers) — sibling comparison - [Counterpart vs The Hartford](https://thegeneralaverage.com/compare/counterpart-vs-the-hartford) — sibling comparison - [Counterpart vs Travelers](https://thegeneralaverage.com/compare/counterpart-vs-travelers) — sibling comparison - [Coverdash vs The Hartford](https://thegeneralaverage.com/compare/coverdash-vs-the-hartford) — sibling comparison - [Coverdash vs Travelers](https://thegeneralaverage.com/compare/coverdash-vs-travelers) — sibling comparison - [Cowbell vs The Hartford](https://thegeneralaverage.com/compare/cowbell-vs-the-hartford) — sibling comparison - [Cowbell vs Travelers](https://thegeneralaverage.com/compare/cowbell-vs-travelers) — sibling comparison - [Embroker vs The Hartford](https://thegeneralaverage.com/compare/embroker-vs-the-hartford) — sibling comparison - [Embroker vs Travelers](https://thegeneralaverage.com/compare/embroker-vs-travelers) — sibling comparison # The Hartford vs Travelers: How Do They Compare for Business Insurance? The Hartford offers direct small-business and SaaS quotes; Travelers sells CyberRisk Tech through independent agents. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## The Hartford vs Travelers in Brief The Hartford offers online quotes for eligible small-business and SaaS packages; Travelers sells CyberRisk Tech through independent agents. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [4](https://www.thehartford.com/legal-notice "Legal Notice") [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [30](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") ## The Hartford and Travelers Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### The Hartford Reliability Scores Role: Insurance carrier. Carrier & MGA Reliability Score: **7.3/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/the-hartford/reliability). ### Travelers Reliability Scores Role: Insurance carrier. Carrier & MGA Reliability Score: **6.1/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates The Travelers Indemnity Company A++ (Superior) with a stable outlook, but a rating is an opinion, not a financial statement. Standalone statutory figures for the named insurers were not collected and the other financial evidence describes the consolidated group, so the issuing entity’s own resources are not established.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/travelers/reliability). ## The Hartford Review Scores for 2026 Review Score: 4.9 / 10 from 5 rated sources, equally weighted. The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance) - J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf) - Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/the-hartford/reviews). ## Travelers Review Scores for 2026 Review Score: 4.8 / 10 from 3 rated sources, equally weighted. Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/travelers/reviews). ## An Overview of The Hartford and Travelers A bootstrapped SaaS firm can start The Hartford’s online quote process for eligible small-business coverage, while a Travelers CyberRisk Tech proposal comes through an independent agent. The Hartford also sells technology coverage, so compare the actual forms and limits rather than assume that the direct route includes the same technology protections. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") Choose The Hartford for an eligible small SaaS firm that wants an online quote; choose Travelers for agent-guided CyberRisk Tech. ## What Stands Out About The Hartford and Travelers? ### The Hartford at a Glance - SaaS and software businesses can start with a small-business package built around a business owner’s policy. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [24](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [23](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) - Eligible small businesses can start an online quote and purchase flow, call or use an independent agent; commercial auto requires another route. [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [17](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) ### Travelers at a Glance - Startups and established tech companies can explore CyberRisk Tech, which can combine cyber and technology E&O. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [30](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.) - Buy through an independent agent; many small accounts can be quoted and issued in an agent platform, while specialty technology risks need underwriting. [34](https://www.travelers.com/contact-us "Contact Us") [51](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [50](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) ## The Hartford vs Travelers Coverage Lines Compared | Coverage Type | The Hartford | Travelers | | --- | --- | --- | | [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Listed: The Hartford offers business owner’s policies combining property and liability coverage. [9](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed: Travelers offers business owner’s policies for small technology-services businesses. [30](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") | | [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Not listed | Listed: Travelers offers cargo insurance through its transportation, cargo and logistics offering. [41](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Listed: The Hartford offers commercial auto insurance as a business coverage; small businesses cannot currently buy it online and may be quoted through a local agency. [17](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed: Travelers offers commercial auto insurance. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: The Hartford offers commercial property insurance. [11](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed: Travelers offers commercial property insurance. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: The Hartford offers crime insurance as a management-liability coverage option. [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | Listed: Travelers offers commercial crime insurance. [40](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: The Hartford offers cyber insurance and data-breach coverage. [13](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed: Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies. [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: The Hartford offers directors and officers liability for private, public and nonprofit organizations. [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [20](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | Listed: Travelers offers directors and officers liability insurance. [37](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York. [16](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed: Travelers offers employment practices liability insurance. [39](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") | | [Equipment breakdown](https://thegeneralaverage.com/coverage/equipment-breakdown) | Not listed | Listed: Travelers offers equipment breakdown insurance. [43](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") | | [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Not listed | Listed: Travelers offers ERISA fidelity bonds. [42](https://www.travelers.com/surety-bond "Surety Bonds") [36](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: The Hartford offers fiduciary liability as a management-liability coverage option. [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | Listed: Travelers offers fiduciary liability insurance. [38](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: The Hartford offers general liability insurance. [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed: Travelers offers general liability insurance. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | [Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto) | Listed: The Hartford offers hired and non-owned auto coverage. [18](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [17](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | Not listed | | [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Listed: The Hartford lists kidnap and ransom/extortion among its management-liability coverage options. [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | Listed: Travelers offers kidnap and ransom insurance. [36](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [47](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Listed: The Hartford offers management-liability packages, including Private Choice Premier. [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | Listed: Travelers offers management liability insurance. [36](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | [Media liability](https://thegeneralaverage.com/coverage/media) | Not listed | Listed: Travelers offers media liability insurance through CyberRisk Tech for technology and life-sciences companies. [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: The Hartford offers professional liability insurance for service businesses. [15](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | Listed: Travelers offers professional errors and omissions insurance. [55](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Not listed | Listed: Travelers offers surety bonds. [42](https://www.travelers.com/surety-bond "Surety Bonds") | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: The Hartford offers technology errors and omissions coverage through its FailSafe product. [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [13](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | Listed: Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Listed: The Hartford offers inland marine insurance for midsize and large businesses. [23](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | Listed: Travelers offers inland marine insurance. [41](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: The Hartford lists commercial umbrella insurance among its business coverage options. [21](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [22](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | Listed: Travelers offers commercial umbrella and excess liability insurance. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [54](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: The Hartford offers workers’ compensation insurance. [12](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed: Travelers offers workers’ compensation insurance. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [53](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") | A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms. ## The Hartford and Travelers Coverage, Line by Line - [The Hartford Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/the-hartford/business-owners-policy) - [Travelers Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/travelers/business-owners-policy) - [The Hartford Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-auto) - [Travelers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-auto) - [The Hartford Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-property) - [Travelers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-property) - [The Hartford Crime Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/crime) - [Travelers Crime Insurance](https://thegeneralaverage.com/insurance-providers/travelers/crime) - [The Hartford Cyber Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/cyber) - [Travelers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cyber) - [The Hartford D&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/directors-officers) - [Travelers D&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/directors-officers) - [The Hartford Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/employment-practices) - [Travelers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/employment-practices) - [The Hartford Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/fiduciary) - [Travelers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/fiduciary) - [The Hartford General Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/general-liability) - [Travelers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/general-liability) - [The Hartford Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/inland-marine) - [Travelers Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/travelers/inland-marine) - [The Hartford Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/kidnap-ransom) - [Travelers Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/travelers/kidnap-ransom) - [The Hartford Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/management-liability) - [Travelers Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/management-liability) - [The Hartford Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions) - [Travelers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/travelers/professional-errors-omissions) - [The Hartford Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/technology-errors-omissions) - [Travelers Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/technology-errors-omissions) - [The Hartford Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/umbrella-excess) - [Travelers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/umbrella-excess) - [The Hartford Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/workers-compensation) - [Travelers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/travelers/workers-compensation) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between the Hartford and Travelers Insurance ### Competing Insurer Groups Small businesses can buy insurance under The Hartford brand through its subsidiaries and independent agents; the brand itself is not the insurer named on the policy. The Hartford Insurance Group, Inc. is the financial holding company behind the brand. [4](https://www.thehartford.com/legal-notice "Legal Notice") [25](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [21](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) Travelers sells property-and-casualty insurance through its operating subsidiaries; The Travelers Companies, Inc. is the holding company, not the policy issuer. Policies may name The Travelers Indemnity Company or another affiliate. [56](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [49](https://www.travelers.com/about-travelers "Who We Are") [35](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.) The Hartford Insurance Group, Inc. is a holding company; Hartford Fire Insurance Company (National Association of Insurance Commissioners code 19682) is listed as authorized in all U.S. states and the District of Columbia on the legal notice. Travelers Companies, Inc. (NYSE: TRV) describes Business Insurance as distributed through independent agencies. Each quote’s issuing company must be read from that policy. [4](https://www.thehartford.com/legal-notice "Legal Notice") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") ### SaaS BOP Versus Travelers Technology Stack The Hartford’s SaaS page starts from a business owner’s policy (BOP) combining general liability, commercial property and business income, with add-ons for workers compensation, data breach, commercial auto, cyber, employment practices liability (EPL) and technology professional liability. Travelers lists CyberRisk Tech, a technology-services BOP, property, workers compensation, commercial auto and umbrella on technology pages, plus management-liability lines on separate pages. Product labels differ; neither listing is a bind guarantee. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") The Hartford’s EPL page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York and that its described EPL program does not apply to California EPL written there. Travelers employment-practices materials describe a different buyer set—confirm EPL availability for your state and class on each quote. [16](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [39](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") ### Quote Paths and Geographic Caveats The Hartford offers a public quote portal with steps through payment and says certificates are available online 24/7 for small-business customers. Travelers tells buyers to use an independent agent; Travelers lists real-time certificates without a segment footnote; separate account-segment limits apply to selected display and additional-interest functions. [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [34](https://www.travelers.com/contact-us "Contact Us") [46](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") Both groups state products are not available in all states or for all businesses. The Hartford commercial auto is not sold on the self-serve path. Travelers Global Companion Plus+ is described as non-admitted for U.S. product purposes. [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [47](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") ## What Should You Confirm in The Hartford and Travelers Quotes? - **Writing company National Association of Insurance Commissioners code** on Hartford versus Travelers declarations. [4](https://www.thehartford.com/legal-notice "Legal Notice") [58](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") - **Technology errors and omissions form**—Hartford FailSafe/technology professional liability versus Travelers CyberRisk Tech. [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") - **Employment practices liability availability in California** if you have employees there. [16](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") - **Agent fees** if using a Hartford agent versus Travelers producer compensation disclosure. [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [35](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") - **Umbrella underlying requirements** if stacking limits across carriers. [54](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [21](https://www.thehartford.com/commercial-insurance "Commercial Insurance") ## The Hartford vs Travelers Services Compared What each provider documents about the services you may need. | Criteria | The Hartford | Travelers | | --- | --- | --- | | Business role | Small businesses can buy insurance under The Hartford brand through its subsidiaries and independent agents; the brand itself is not the insurer named on the policy. The Hartford Insurance Group, Inc. is the financial holding company behind the brand. [4](https://www.thehartford.com/legal-notice "Legal Notice") [25](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [21](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) | Travelers sells property-and-casualty insurance through its operating subsidiaries; The Travelers Companies, Inc. is the holding company, not the policy issuer. Policies may name The Travelers Indemnity Company or another affiliate. [56](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [49](https://www.travelers.com/about-travelers "Who We Are") [35](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.)

Travelers says it primarily sells U.S. insurance through independent agents and brokers, whom it calls producers and who are not Travelers employees. It also owns Simply Business, Inc. and InsuraMatch, LLC, licensed digital independent agencies it says operate nationwide. [35](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [34](https://www.travelers.com/contact-us "Contact Us") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") (Evidence: Company-reported; scope: U.S. distribution disclosure. Ownership of digital agencies does not establish that those agencies place technology business insurance for a given buyer, including in California.; verified: 2026-09-16.) | | Customer focus | The Hartford markets small-business insurance to SaaS companies, software startups, cloud and IT consulting firms, and other small businesses, and separately sells midsize/large commercial and employer benefits products. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [24](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [23](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) | Travelers markets technology insurance to startups and established industry leaders, including software developers and platforms, technology consultants, IT staffing companies, network integrators, electronics manufacturers, telecommunications firms and platform-economy companies. A separate small-business technology-services BOP is described for classes such as software development, web developers and IT consultants. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [30](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.) | | Coverage lines | Documented Hartford offerings for businesses include a business owner’s policy (general liability, commercial property and business income), stand-alone general liability and commercial property, workers’ compensation, cyber (including BOP data-breach add-ons, CyberChoice First Response and FailSafe Technology E&O), miscellaneous professional liability, employment practices liability, commercial auto and hired/non-owned auto, management-liability packages (Private Choice Premier: directors and officers, EPL, fiduciary, crime, kidnap and ransom), commercial umbrella, employee benefits, and inland marine for midsize and large accounts. Actual forms, limits and availability vary by product, state and underwriting. [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [9](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [13](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [15](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [16](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [17](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [18](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [21](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [24](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [23](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Product and service pages reviewed 16 September 2026. Educational FAQs were not used as the sole proof of an offering. Marketing lists are not specimen policy wording.; verified: 2026-09-16.)

The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [16](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) | On its technology pages, Travelers lists CyberRisk Tech (technology E&O and cyber options, including media and regulatory-proceedings agreements on the cyber page), Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto and umbrella. Other current offering pages list a small-business technology-services BOP, management-liability lines (D&O, EPL, fiduciary, fidelity and crime, kidnap and ransom), professional E&O, inland marine including cargo, equipment breakdown, surety and commercial umbrella/excess including a Northfield surplus-lines option. [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [30](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [36](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [55](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [41](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") [43](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [42](https://www.travelers.com/surety-bond "Surety Bonds") [54](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Marketed catalogue from product and service pages accessed 16 September 2026. Labels are not policy wording, limits or endorsements, and not every line is offered in a combined technology package.; verified: 2026-09-16.) | | Application process | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [1](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [17](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [19](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) | Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Technology and CyberRisk Tech pages likewise tell buyers to consult an agent or Travelers representative; a direct public bind path for technology packages was not found on the reviewed pages. [34](https://www.travelers.com/contact-us "Contact Us") [51](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [29](https://www.travelers.com/business-insurance/technology "Technology Insurance") [31](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [50](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) | | Availability | The Hartford states that products are not available in all states or for all businesses, and that listing a writing company as authorized to transact insurance does not guarantee that coverage will be offered. Workers’ compensation pages also say that in some states coverage can be bought only from a state-run program, not from a private insurer such as The Hartford. [2](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [4](https://www.thehartford.com/legal-notice "Legal Notice") [12](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [9](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company availability footnotes and workers’ compensation quiz copy as of 16 September 2026. The reviewed pages did not publish a complete product-by-state matrix for SaaS or BOP.; verified: 2026-09-16.)

The Hartford operates a California small-business insurance page that lists BOP, general liability, workers’ compensation, commercial auto, commercial property and professional liability and says California buyers can get a quote online or by phone. Hartford Fire Insurance Company is independently listed by the California Department of Insurance as an authorized property-and-casualty insurer (NAIC 19682). Those facts do not identify which affiliate would issue a particular California policy or whether a given SaaS risk will be accepted. [3](https://www.thehartford.com/business-insurance/california "California Business Insurance") [28](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [4](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Company-reported; scope: Company California marketing plus CDI company profile accessed 16 September 2026. Office location and nationwide authorization tables were not treated as product eligibility.; verified: 2026-09-16.) | Travelers describes Business Insurance as offered primarily in the United States, with additional operations in the United Kingdom, Ireland and other markets including Lloyd’s. Domestic business insurance is marketed through independent agents and brokers rather than as a single nationwide self-serve shop for every product. [57](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [56](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [49](https://www.travelers.com/about-travelers "Who We Are") (Evidence: Company-reported; scope: Group geographic description from the 2025 Form 10-K and investor profile. Primary-U.S. operations do not mean every product is available in every state.; verified: 2026-09-16.)

California’s insurance department lists The Travelers Indemnity Company (NAIC 25658) and Travelers Casualty and Surety Company of America (NAIC 31194) as property-and-casualty insurers with Unlimited-Normal licenses. Travelers’ agent directory also lists agencies in California. Those facts do not establish that a specific technology product, CyberRisk Tech form, BOP class or Global Companion Plus+ coverage is available or admitted for a particular California risk. [58](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") [59](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile "California Department of Insurance company profile: Travelers Casualty and Surety Company of America") [52](https://agent.travelers.com/ca "Travelers Insurance agencies in CA") [47](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Verified; scope: Admitted-insurer authorization and a public agency directory as of 16 September 2026. No product-by-product California eligibility schedule was found on the reviewed technology pages. U.S. Global Companion Plus+ is described by Travelers as non-admitted and not equivalent to a local admitted policy.; verified: 2026-09-16.) | ## Provider Profiles for The Hartford and Travelers - [What Is The Hartford?](https://thegeneralaverage.com/insurance-providers/the-hartford) - [What Is Travelers Insurance?](https://thegeneralaverage.com/insurance-providers/travelers) ## Comparisons Related to The Hartford vs Travelers - [AIG vs The Hartford](https://thegeneralaverage.com/compare/aig-vs-the-hartford) - [AIG vs Travelers](https://thegeneralaverage.com/compare/aig-vs-travelers) - [Alliance Risk vs The Hartford](https://thegeneralaverage.com/compare/alliance-risk-vs-the-hartford) - [Alliance Risk vs Travelers](https://thegeneralaverage.com/compare/alliance-risk-vs-travelers) - [Amelia Risk vs The Hartford](https://thegeneralaverage.com/compare/amelia-risk-vs-the-hartford) - [Amelia Risk vs Travelers](https://thegeneralaverage.com/compare/amelia-risk-vs-travelers) - [Aon vs The Hartford](https://thegeneralaverage.com/compare/aon-vs-the-hartford) - [Aon vs Travelers](https://thegeneralaverage.com/compare/aon-vs-travelers) - [Armilla vs The Hartford](https://thegeneralaverage.com/compare/armilla-vs-the-hartford) - [Armilla vs Travelers](https://thegeneralaverage.com/compare/armilla-vs-travelers) - [At-Bay vs The Hartford](https://thegeneralaverage.com/compare/at-bay-vs-the-hartford) - [At-Bay vs Travelers](https://thegeneralaverage.com/compare/at-bay-vs-travelers) - [The Baldwin Group vs The Hartford](https://thegeneralaverage.com/compare/baldwin-vs-the-hartford) - [The Baldwin Group vs Travelers](https://thegeneralaverage.com/compare/baldwin-vs-travelers) - [Beazley vs The Hartford](https://thegeneralaverage.com/compare/beazley-vs-the-hartford) - [Beazley vs Travelers](https://thegeneralaverage.com/compare/beazley-vs-travelers) - [Berkshire Hathaway Specialty Insurance vs The Hartford](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford) - [Berkshire Hathaway Specialty Insurance vs Travelers](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-travelers) - [biBerk vs The Hartford](https://thegeneralaverage.com/compare/biberk-vs-the-hartford) - [biBerk vs Travelers](https://thegeneralaverage.com/compare/biberk-vs-travelers) - [CFC vs The Hartford](https://thegeneralaverage.com/compare/cfc-vs-the-hartford) - [CFC vs Travelers](https://thegeneralaverage.com/compare/cfc-vs-travelers) - [Chubb vs The Hartford](https://thegeneralaverage.com/compare/chubb-vs-the-hartford) - [Chubb vs Travelers](https://thegeneralaverage.com/compare/chubb-vs-travelers) - [CNA vs The Hartford](https://thegeneralaverage.com/compare/cna-vs-the-hartford) - [CNA vs Travelers](https://thegeneralaverage.com/compare/cna-vs-travelers) - [Coalition vs The Hartford](https://thegeneralaverage.com/compare/coalition-vs-the-hartford) - [Coalition vs Travelers](https://thegeneralaverage.com/compare/coalition-vs-travelers) - [Corgi vs The Hartford](https://thegeneralaverage.com/compare/corgi-vs-the-hartford) - [Corgi vs Travelers](https://thegeneralaverage.com/compare/corgi-vs-travelers) - [Coterie Insurance vs The Hartford](https://thegeneralaverage.com/compare/coterie-vs-the-hartford) - [Coterie Insurance vs Travelers](https://thegeneralaverage.com/compare/coterie-vs-travelers) - [Counterpart vs The Hartford](https://thegeneralaverage.com/compare/counterpart-vs-the-hartford) - [Counterpart vs Travelers](https://thegeneralaverage.com/compare/counterpart-vs-travelers) - [Coverdash vs The Hartford](https://thegeneralaverage.com/compare/coverdash-vs-the-hartford) - [Coverdash vs Travelers](https://thegeneralaverage.com/compare/coverdash-vs-travelers) - [Cowbell vs The Hartford](https://thegeneralaverage.com/compare/cowbell-vs-the-hartford) - [Cowbell vs Travelers](https://thegeneralaverage.com/compare/cowbell-vs-travelers) - [Embroker vs The Hartford](https://thegeneralaverage.com/compare/embroker-vs-the-hartford) - [Embroker vs Travelers](https://thegeneralaverage.com/compare/embroker-vs-travelers) ## Sources for The Hartford vs Travelers ### [The Hartford Official Website](https://www.thehartford.com) 1. [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. 2. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16. 3. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16. 4. [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. 5. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16. 6. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16. 7. [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. 8. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Accessed 2026-09-16. 9. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; products-not-available-in-all-states footnote; last updated May 20, 2026. Accessed 2026-09-16. 10. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; General liability introduction and Get a Quote; stand-alone GL and BOP bundling; products-completed operations; technology-company example; subsidiary-offering disclosure; last updated May 20, 2026. Accessed 2026-09-16. 11. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; property and business-interruption descriptions; technology firms among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16. 12. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; Benefits of The Hartford’s WC Insurance for Employers and Employees; quote route; state-requirement quiz (some states require a state-run program); pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16. 13. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; Cyber insurance and data breach descriptions; BOP-endorsed cyber, CyberChoice First Response and FailSafe; Technology Errors and Omissions Insurance Coverage: FailSafe; Get a quote for cyber insurance; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16. 14. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; Technology Errors and Omissions Insurance Coverage: FailSafe Technology Liability Product Suite (E&O, security, data privacy and network security, personal injury, intellectual property, media liability); software and SaaS buyer classes; last updated September 19, 2024. Accessed 2026-09-16. 15. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Who Needs Professional Liability Insurance Coverage?; industry offering list; miscellaneous professional liability; Errors & Omissions Insurance for Technology Companies; claims-made versus occurrence; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16. 16. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; EPLI introduction; Hartford-provided EPLI; BOP inclusion; Private Choice Premier and Employers Premier Choice; footnote 2: built-in EPL coverage is not available in California, Minnesota, North Dakota or New York, and the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16. 17. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Small-business availability banner: not currently offered online for small businesses, with quotes through a local agency or partner; hired and non-owned auto description; footer product-availability disclosure; last updated August 27, 2026. Accessed 2026-09-16. 18. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hired and non-owned auto offering; liability-only limitations; availability banner; commercial-auto referral disclosure; last updated August 27, 2026. Accessed 2026-09-16. 19. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Opening Private Choice Premier package description (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion) and agent route; Who Does Management Liability Insurance Protect?; Fiduciary Liability Insurance; Crime Insurance; option to add certain coverages to a BOP; management-liability organization sections. Accessed 2026-09-16. 20. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations through Private Choice Premier; management-liability organization sections. Accessed 2026-09-16. 21. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages; about-10-minute quote claim; products not available in all states; coverages offered by P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16. 22. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages (EPL, data breach and others); products-not-available-in-all-states footnote; last updated July 28, 2025. Accessed 2026-09-16. 23. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Inland Marine Insurance Solutions introduction; midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses; Find an Agent or Broker. Accessed 2026-09-16. 24. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16. 25. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16. 26. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16. 27. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16. 28. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16. ### [Travelers Official Website](https://www.travelers.com/business-insurance/technology) 29. [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. 30. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). Travelers; Technology services BOP inclusions; eligible small-business classes; EPL+ and World Business Essentials add-ons; independent-agent CTA. Accessed 2026-09-16. 31. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech product description; insuring agreements including technology E&O, privacy and security, media, regulatory proceedings and breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16. 32. [IT Insurance](https://www.travelers.com/business-insurance/technology/information-technology). Travelers; IT audience (software, consultants, staffing, network integration) and listed products including CyberRisk Tech and employment practices liability. Accessed 2026-09-16. 33. [Business and Commercial Insurance Policy Quotes](https://www.travelers.com/business-insurance). Travelers; Find an insurance agent CTA; product tiles including cyber, management and professional liability, BOP, surety, workers compensation; cost depends on risk factors; A.M. Best A++ company statement. Accessed 2026-09-16. 34. [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. 35. [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. 36. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; Management & Professional Liability product selection: D&O, EPL, ERISA fidelity, E&O, fidelity and crime, fiduciary, kidnap and ransom; stand-alone or suite; private, public, nonprofit and financial institutions. Accessed 2026-09-16. 37. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; D&O product description; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 38. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; Fiduciary liability offering for private, public, nonprofit and financial institutions; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 39. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; EPL product description for private, public, nonprofit and financial institutions; independent-agent CTA. Accessed 2026-09-16. 40. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; Fidelity and crime insuring agreements including social engineering, computer fraud and employee dishonesty; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 41. [Inland Marine Insurance](https://www.travelers.com/business-insurance/inland-marine). Travelers; Inland Marine products: construction and specialized property, property in transit, computers and electronics; Transportation, Cargo and Logistics. Accessed 2026-09-16. 42. [Surety Bonds](https://www.travelers.com/surety-bond). Travelers; Listed bond types including bid/performance/payment, license and permit, and ERISA fidelity. Accessed 2026-09-16. 43. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21 equipment-breakdown package, including high-tech businesses among stated audiences. Accessed 2026-09-16. 44. [Business Insurance Claims](https://www.travelers.com/business-insurance/claims). Travelers; 24/7/365 reporting via agent, online system or 800.238.6225; Technology claim unit since 1998; equipment-breakdown and inland marine claim units. Accessed 2026-09-16. 45. [File a Business Claim](https://www.travelers.com/claims/file-claim/business). Travelers; MyTravelers for Business login path to file a claim. Accessed 2026-09-16. 46. [MyTravelers for Business Online Self-Service Capabilities](https://www.travelers.com/small-business-insurance/mytravelers). Travelers; Pay bills, report and track claims, policy documents, certificates; footnotes limiting some features to Select Accounts and National Programs Commercial Multi-Peril customers. Accessed 2026-09-16. 47. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; Global Companion Plus+ coverages; U.S. product described as non-admitted; INI network in over 150 countries; kidnap and ransom among listed coverages. Accessed 2026-09-16. 48. [Global Insurance](https://www.travelers.com/business-insurance/global). Travelers; Global insurance for U.S. companies doing business abroad; Global Companion Plus+ versus Controlled Master Programs. Accessed 2026-09-16. 49. [Who We Are](https://www.travelers.com/about-travelers). Travelers; Property-casualty insurer; more than 30,000 employees and 15,000 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland. Accessed 2026-09-16. 50. [Benefit from the Personal Attention of a Travelers Independent Agent](https://www.travelers.com/about-travelers/value-of-an-agent). Travelers; Independent agents are not captive to one company; can help with claims and policy updates; Travelers.com/find agent CTA. Accessed 2026-09-16. 51. [Find the nearest Travelers Insurance agency](https://agent.travelers.com/search). Travelers; Public independent-agency locator for home, auto, business and renters insurance. Accessed 2026-09-16. 52. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16. 53. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; Product description; buy via local Travelers agent; The Travelers Indemnity Company footer; monopolistic-state qualification. Accessed 2026-09-16. 54. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; Commercial Umbrella Insurance introduction; A/B umbrella, excess liability and Northfield excess and surplus lines; purchase through an independent agent. Accessed 2026-09-16. 55. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16. 56. [Travelers Investor Relations Corporate Profile](https://investor.travelers.com/home/default.aspx). The Travelers Companies, Inc.; NYSE: TRV; property casualty insurance for auto, home and business sold primarily through independent agents and brokers; operations in the United States and selected international markets. Accessed 2026-09-16. 57. [The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm). U.S. Securities and Exchange Commission; Item 1 Business: holding company; Business Insurance distributed through independent agencies and brokers; Select Accounts automated quote/bind/issue for many small risks; Bond & Specialty distribution; California premium-share tables. Accessed 2026-09-16. 58. [California Department of Insurance company profile: Travelers Indemnity Company (The)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile). California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548; authorized lines including liability, fire, workers’ compensation and surety. Accessed 2026-09-16. 59. [California Department of Insurance company profile: Travelers Casualty and Surety Company of America](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile). California Department of Insurance; NAIC 31194; California Company ID 2444-8; authorized 07/31/1981; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548. Accessed 2026-09-16. Updated 2026-09-30. 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://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/compare/the-hartford-vs-travelers.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://thegeneralaverage.com/llms.txt)