Chubb vs 
TechInsurance Business Owner’s Policy
Chubb underwrites a BOP up to $30 million in revenue; TechInsurance cites a $1 million revenue qualifier and a median $83 monthly premium.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
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. 7,8
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 10
Key Differences in Business Owner’s Policy
Revenue Tests
Chubb’s BOP is described for firms with up to $30 million in revenue. 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 a year and use a small commercial space. 4 9
Who Carries the Risk and What It Costs
Chubb underwrites the BOP. TechInsurance arranges a BOP as a bundle of general liability and commercial property and does not name the issuing insurer; it says policyholders pay a median of $83 per month, or about $990 a year. Chubb’s BOP page does not publish a median premium. 4 9
Coverages Named on Each Page
TechInsurance says a BOP covers property damage, business personal property, third-party accidents, copyright infringement and defamation, theft and vandalism, and product liability, and it lists employee injuries, cyberattacks, business vehicles and, without an endorsement, natural-disaster property damage as outside the form. Chubb lists optional enhancements including privacy and data breach, EPL, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime. 9 4
TechInsurance says a certificate is typically available the same day you buy after an online application. Chubb offers an online quote or an appointed agent. 9 4
What to Confirm in Business Owner’s Policy Quotes
- If revenue is between $1 million and $30 million, ask whether TechInsurance will still quote versus Chubb’s higher screen. 9 4
- Get TechInsurance’s issuing insurer. 9
- Ask Chubb about natural-disaster property endorsements that TechInsurance flags as extra. 9 4
- Treat the $83 median as company-reported, not your premium. 9
Offering Details
Chubb vs TechInsurance Business Owner’s Policy: documented features by provider
| Criteria | Chubb Business Owner's Policy (BOP) Insurance | TechInsurance Business Owner's Policy (BOP) |
|---|---|---|
| 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. 4Company-reported. Chubb BOP product page; describes Chubb's own packaged small-business offering. | 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. 9Company-reported. 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. 9Not publicly disclosed. Business owner's policy product page as read on 2026-09-23. |
| 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. 4Company-reported. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting. | 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. 9Company-reported. Business owner's policy product page, Eligibility requirements for a BOP section. |
| 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. 4Company-reported. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state. | 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. 9Company-reported. Business owner's policy product page; general policy description, not a specific policy form. |
| Limits and Retentions | The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. 4Not found in reviewed sources. Chubb 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. 9Company-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. |
| Risk Services | Chubb markets a 'Total Account Solution' that lets a BOP holder add umbrella, workers' compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM coverage from the same carrier. 4Company-reported. Chubb BOP product page; each added line is underwritten and priced separately. | Not described in the reviewed sources. |
| 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. 4Company-reported. Chubb BOP product page call-to-action sections for business owners and for agents and brokers. | 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. 9Company-reported. Business owner's policy product page. |
| Claims Support | Chubb reports 24/7 claims reporting and a dedicated Small Commercial claims email address, and says 93% of policyholders with a paid claim from 2022-2025 were highly satisfied with their claim experience. 6,5Company-reported. Claims and report-a-claim pages describe claims handling across Chubb's commercial book generally, not exclusively for BOP; the satisfaction figure is a company-reported survey result. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs TechInsurance Comparisons
Other Business Owner’s Policy Comparisons
Sources
Chubb
- Insurance for Technology Companies. 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.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Business Owner's Policy (BOP) Insurance. 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.
- Report a Claim. Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23.
- Claims. 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.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- 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.
- Business Owner's Policy (BOP) Insurance – Compare Quotes. 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
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
