Alliance Risk vs TechInsurance Business Owner’s Policy

Alliance Risk arranges BOP placements as a brokerage; the BOP page describes the bundled package it places rather than an Alliance-issued policy, and does not name an issuing insurer. ^3,4Company-reported. BOP product page and the general brokerage disclosure on the coverage catalogue page.

TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. ⁷Company-reported. Business owner's policy product page.

Not described in the reviewed sources.

The reviewed page does not name the issuing insurer for a BOP. ⁷Not publicly disclosed. Business owner's policy product page as read on 2026-09-23.

Alliance Risk targets its BOP at small and mid-sized businesses that operate from a physical location with customer foot traffic, listing retail and boutiques, offices and consultants, restaurants and food service, artisan contractors, and healthcare and wellness providers as common buyers. ³Company-reported. BOP product page, Who Needs Business Owners Policy? section.

TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. ⁷Company-reported. Business owner's policy product page, Eligibility requirements for a BOP section.

Alliance Risk's BOP bundles general liability, commercial property and business interruption coverage, with optional endorsements for cyber liability, equipment breakdown, hired and non-owned auto liability, and employment practices liability (EPLI). ³Company-reported. BOP product page; actual endorsement availability depends on the carrier and underwriting.

Alliance Risk's BOP page says the bundled package excludes professional liability claims, workers' compensation, commercial auto coverage, and flood or earthquake damage, each of which needs a separate policy. ³Company-reported. BOP product page, What Doesn't Business Owners Policy Cover? section.

TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. ⁷Company-reported. Business owner's policy product page; general policy description, not a specific policy form.

Alliance Risk's BOP page gives typical annual premium ranges ($500-$1,200 for small businesses, $1,200-$2,500 for medium businesses, $100-$500 per added endorsement) but does not publish standard liability or property limits, deductibles or sublimits. ³Not publicly disclosed. BOP product page as read on 2026-09-23.

TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. ⁷Company-reported. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

You request a BOP quote through Alliance Risk's online quote form or by scheduling a consultation with a risk advisor; the page does not describe specific underwriting information required for a BOP submission. ³Company-reported. BOP product page quote call to action.

You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. ⁷Company-reported. Business owner's policy product page.