Alliance Risk vs Travelers 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.

Travelers packages this line as a Technology Services Business Owner's Policy (BOP) that bundles property insurance with liability insurance into a single policy for small technology-services businesses. ⁸Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23.

Not described in the reviewed sources.

The Small Business Technology Services Insurance page does not name the specific Travelers entity that issues this BOP; the issuing company is disclosed on the policy itself. ⁸Not found in reviewed sources. Page checked on 2026-09-23; no underwriting-entity footer was present on this page.

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.

Travelers markets this BOP to small businesses providing technology services, including computer installation and repair, data processing services, internet service providers, IT consultants and schools, software development, web development and design, and web hosting. ⁸Company-reported. "Who is small business technology services insurance right for?" 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.

Travelers says the Technology Services BOP includes property coverage, general liability, business income and extra expense coverage, and cyber liability and errors & omissions coverage, bundled into one policy. ⁸Company-reported. BOP description on the Small Business Technology Services Insurance page.

Travelers offers optional add-ons for this BOP: the Xtend Endorsement, which it describes as 15 general liability coverage enhancements including a blanket waiver of subrogation; Employment Practices Liability+ (EPL+) for claims like discrimination or wrongful termination; and World Business Essentials, which extends some property and liability coverage for periodic overseas travel. ⁸Company-reported. "Customize your business policy with these add-ons" section.

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.

The page does not publish specific coverage limits, deductibles or sublimits for the Technology Services BOP or its add-ons; those figures appear on the quote and declarations. ⁸Not found in reviewed sources. Page checked on 2026-09-23.

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.

Travelers directs buyers to an independent insurance agent to tailor and purchase this BOP; the page does not offer a direct self-service online quote or bind path. ⁸Company-reported. "Find an insurance agent" call-to-action on the technology-services page.