---
title: "Chubb vs Embroker: Business Owner’s Policy"
description: "Chubb takes businesses up to $30 million in revenue across 500+ classes and can add data-breach cover to the BOP. Embroker sells online to firms under 100 employees and $10 million, and its BOP leaves out cyber, professional and employment claims."
canonical: "https://spot.insure/compare/chubb-vs-embroker/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-embroker"
provider-a: "chubb"
provider-b: "embroker"
coverage-line: "business-owners-policy"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-embroker/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of Chubb and Embroker for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Chubb versus Embroker. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs Embroker for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Chubb or Embroker?
- What does Chubb or Embroker publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Chubb and Embroker.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Chubb vs Embroker](https://spot.insure/compare/chubb-vs-embroker) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile

# Chubb vs Embroker: How Do They Compare for Business Owner’s Policy?

Chubb's BOP is open to small businesses up to $30 million in revenue across 500-plus classes; Embroker targets businesses under 100 employees and $10 million in revenue, offers an online quote, and lists cyberattacks as excluded.

Chubb writes BOPs for businesses up to $30 million in revenue with optional data-breach cover, while Embroker's online BOP stops at 100 employees and $10 million and excludes cyber.

## Chubb vs Embroker Business Owner’s Policy Summary

Chubb takes businesses up to $30 million in revenue across 500+ classes and can add data-breach cover to the BOP. Embroker sells online to firms under 100 employees and $10 million, and its BOP leaves out cyber, professional and employment claims. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy")

## What Are the Key Differences Between Chubb and Embroker Business Owner’s Policy?

### Which Size of Business Qualifies

A company with 150 staff or $15 million in revenue falls outside Embroker's BOP but inside Chubb's. Embroker also requires a physical location, though a home office counts, and quotes on its own platform. Choose Chubb if you're past 100 employees or $10 million; choose Embroker if you're smaller and want a quick online quote. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy")

### Data Breach and Employment Claims

Chubb can add privacy and data-breach cover, EPLI, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime to the BOP itself. Embroker says its BOP doesn't cover cyberattacks, professional liability, employment claims or criminal acts. It can add professional liability, EPL, spoiled merchandise and mechanical breakdown, but you'll need a separate cyber policy. Chubb is the stronger option if you want breach cover inside one package. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy")

### Who You Call After a Loss

Chubb runs 24/7 claims reporting and a dedicated Small Commercial claims email. It says 93% of policyholders with a paid claim from 2022 to 2025 were highly satisfied. Embroker's BOP page offers a Resource Hub and chat support but doesn't describe BOP claims handling, so ask who manages your claim. [4](https://www.chubb.com/us-en/claims.html "Claims") [3](https://www.chubb.com/us-en/claims/report-claim.html "Report a Claim") [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy")

## What Should You Confirm in Chubb and Embroker Business Owner’s Policy Quotes?

- If you're near 100 employees or $10 million in revenue, ask whether Embroker will still quote you. [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Ask Chubb to price the data-breach enhancement, and compare it with a separate cyber policy next to Embroker's quote. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy")
- Ask Embroker which insurer issues the policy and handles claims. [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy")
- Get deductibles in writing from both; neither publishes standard figures. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy")

## Chubb vs Embroker Business Owner’s Policy Compared

| Criteria | Chubb Business Owner's Policy (BOP) Insurance | Embroker Business Owners Policy |
| --- | --- | --- |
| Who It’s For | Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP eligibility list; a specific business's eligibility depends on underwriting..) | Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all..) |
| How to Apply | You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP product page call-to-action sections for business owners and for agents and brokers..) | Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature description; no quote was requested during this research..) |
| Coverage Features | Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state..) | The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product-page coverage summary; the issued policy and declarations control..)<br><br>Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product-page What's not included and FAQ sections..)<br><br>Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: FAQ section; specific endorsement availability depends on underwriting..) |
| Role in This Line | Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP product page; describes Chubb's own packaged small-business offering..) | Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. [5](https://www.embroker.com/coverage/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product-page description of the bundle; not a statement about the issuing insurer..) |

## About Chubb and Embroker and Business Owner’s Policy

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy)

## Related Pages for Chubb vs Embroker Business Owner’s Policy

- [Chubb vs Embroker](https://spot.insure/compare/chubb-vs-embroker): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [Chubb Business Owner’s Policy](https://spot.insure/insurance-providers/chubb/business-owners-policy)
- [Embroker Business Owner’s Policy](https://spot.insure/insurance-providers/embroker/business-owners-policy)

## Sources for Chubb vs Embroker Business Owner’s Policy

### Sources About Chubb

1. [Business Owner's Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM. Accessed 2026-09-23.
2. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses. Accessed 2026-09-23.
3. [Report a Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23.
4. [Claims](https://www.chubb.com/us-en/claims.html). Chubb; 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey. Accessed 2026-09-23.

### Sources About Embroker

5. [Business Owners Policy](https://www.embroker.com/coverage/business-owners-policy/). Embroker; Why it's essential; Who needs this coverage; What is a Business Owners Policy?; What's covered; What's not included; FAQ: Are there additional coverages available with BOP insurance?; Who benefits most from BOP insurance?. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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