---
title: "Alliance Risk vs TechInsurance Business Owner’s Policy"
description: "Alliance Risk publishes BOP premium bands; TechInsurance reports a median $83 monthly premium and a $1 million revenue qualifier."
canonical: "https://spot.insure/compare/alliance-risk-vs-techinsurance/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Alliance Risk vs TechInsurance Business Owner’s Policy

Alliance Risk publishes BOP premium bands; TechInsurance reports a median $83 monthly premium and a $1 million revenue qualifier.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and TechInsurance for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Alliance Risk brokers a BOP with typical annual premiums of $500–$2,500 depending on size. TechInsurance arranges a BOP of general liability and commercial property, says small businesses typically qualify if they have fewer than 100 employees, earn less than $1 million and use a small commercial space, and reports a median $83 per month. [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)") [4](https://joinalliancerisk.com/coverages/ "Alliance Products") [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")

## What Is Alliance Risk?

Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. [1](https://joinalliancerisk.com/about-us/ "About Us") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [8](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Premium Figures Each Company Publishes

Alliance Risk gives typical annual ranges: $500–$1,200 for small businesses, $1,200–$2,500 for medium businesses, and $100–$500 per added endorsement. TechInsurance says its BOP policyholders pay a median of $83 per month (about $990 a year), with cost depending on property value, profession, limits, deductible, location, employees and claims history. Those figures are not comparable quotes. [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)") [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")

### Size Tests Versus Foot-Traffic Examples

TechInsurance says small businesses typically qualify 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. Alliance Risk targets physical locations with customer foot traffic without those numeric tests. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)")

### What the Form Is Said to Cover

Alliance Risk names GL, property and interruption plus optional cyber, equipment breakdown, hired auto and EPLI, and excludes professional liability, workers’ compensation, commercial auto, flood and earthquake. TechInsurance says a BOP covers property and business personal property, third-party accidents, copyright infringement and defamation, theft and vandalism, and product liability, but excludes employee injuries, cyberattacks, business vehicles and, without an endorsement, natural-disaster property damage. [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)") [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")

## What to Confirm in Business Owner’s Policy Quotes

- Check TechInsurance’s under-$1 million revenue and under-100-employee description against your numbers. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")
- Ask whether copyright, defamation and product liability sit on the Alliance Risk placement; TechInsurance names them. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)")
- Confirm natural-disaster property damage, which TechInsurance says needs an endorsement. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")
- TechInsurance says a certificate is typically available the same day you buy; ask Alliance Risk for its certificate timing. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)")

## Offering Details

| Criteria | Alliance Risk Business Owners Policy (BOP) | TechInsurance Business Owner's Policy (BOP) |
| --- | --- | --- |
| Role in This Line | 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](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)") [4](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page does not name the issuing insurer for a BOP. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Business owner's policy product page as read on 2026-09-23..) |
| Who It’s For | 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. [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page, Eligibility requirements for a BOP section..) |
| Coverage Features | 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). [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)") (Evidence: Company-reported; scope: BOP product page; actual endorsement availability depends on the carrier and underwriting..)<br><br>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. [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page; general policy description, not a specific policy form..) |
| Limits and Retentions | 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. [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)") (Evidence: Not publicly disclosed; scope: 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. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| How to Apply | 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. [3](https://joinalliancerisk.com/business-owners-policy-bop/ "Business Owners Policy (BOP)") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) |

## Full Comparison

- [Alliance Risk vs TechInsurance](https://spot.insure/compare/alliance-risk-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Alliance Risk vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/commercial-auto)
- [Alliance Risk vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/commercial-property)
- [Alliance Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/cyber)
- [Alliance Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers)
- [Alliance Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/employment-practices)
- [Alliance Risk vs TechInsurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/general-liability)
- [Alliance Risk vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/inland-marine)
- [Alliance Risk vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/professional-errors-omissions)
- [Alliance Risk vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/technology-errors-omissions)
- [Alliance Risk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/umbrella-excess)
- [Alliance Risk vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Amelia Risk Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-amelia-risk/business-owners-policy)
- [Alliance Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-chubb/business-owners-policy)
- [Alliance Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-corgi/business-owners-policy)
- [Alliance Risk vs Coterie Insurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-coterie/business-owners-policy)
- [Alliance Risk vs Coverdash Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-coverdash/business-owners-policy)
- [Alliance Risk vs Embroker Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-embroker/business-owners-policy)

## Sources

### Alliance Risk

1. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Business Owners Policy (BOP)](https://joinalliancerisk.com/business-owners-policy-bop/). Alliance Risk; What Is a Business Owners Policy?; Who Needs Business Owners Policy?; What Does Business Owners Policy Cover?; What Doesn't Business Owners Policy Cover?; How Much Does Business Owners Policy (BOP) Cost?. Accessed 2026-09-23.
4. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23.

### TechInsurance

5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Business Owner's Policy (BOP) Insurance – Compare Quotes](https://www.techinsurance.com/business-owners-policy). TechInsurance; Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP?. Accessed 2026-09-23.

### Business Owner’s Policy Guide

8. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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- [Markdown page](https://spot.insure/compare/alliance-risk-vs-techinsurance/business-owners-policy.md)
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