--- title: "Chubb vs TechInsurance: Business Owner’s Policy" description: "TechInsurance fits very small, low-risk businesses, typically under $1 million in revenue, and reports a median BOP premium of about $83 a month. Chubb writes its own BOP for businesses up to $30 million in revenue across more than 500 classes." canonical: "https://spot.insure/compare/chubb-vs-techinsurance/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "chubb-vs-techinsurance" provider-a: "chubb" provider-b: "techinsurance" coverage-line: "business-owners-policy" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-techinsurance/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of Chubb and TechInsurance 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 TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Chubb vs TechInsurance for Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, Chubb or TechInsurance? - What does Chubb or TechInsurance publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Business Owner’s Policy. Providers: Chubb and TechInsurance. - 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 TechInsurance](https://spot.insure/compare/chubb-vs-techinsurance) — 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 - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # Chubb vs TechInsurance: How Do They Compare for Business Owner’s Policy? Chubb underwrites its BOP for small businesses up to $30 million in revenue; TechInsurance says low-risk businesses under 100 employees and $1 million in revenue typically qualify for BOP savings, at a median $83 a month. TechInsurance suits very small, low-risk businesses under $1 million in revenue that want a cheap BOP online; Chubb's BOP reaches businesses up to $30 million. ## Chubb vs TechInsurance Business Owner’s Policy Summary TechInsurance fits very small, low-risk businesses, typically under $1 million in revenue, and reports a median BOP premium of about $83 a month. Chubb writes its own BOP for businesses up to $30 million in revenue across more than 500 classes. [5](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") ## What Are the Key Differences Between Chubb and TechInsurance Business Owner’s Policy? ### Where Your Revenue Puts You TechInsurance says businesses usually qualify for BOP savings with fewer than 100 employees, a low-risk industry, under $1 million a year in revenue and a small commercial space. A two-person consultancy in a small office fits; a growing firm past $1 million may not. Chubb’s BOP runs up to $30 million in revenue, so it keeps working as you grow. Choose TechInsurance if you are under $1 million in a low-risk field and want a fast online purchase; choose Chubb if you are above that or expect to be soon. [5](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") ### Published Price and Same-Day Certificate TechInsurance reports that its customers pay a median of $83 a month, about $990 a year, and says you can usually get a certificate the same day after an online application. Chubb publishes no typical premium; you request a quote online or through an appointed agent. You can budget with TechInsurance’s figure but must wait for a Chubb quote to compare. [5](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") ### Stated Exclusions Versus Optional Extras TechInsurance’s BOP covers property damage, business personal property, third-party accidents, copyright infringement and defamation, theft, vandalism and product liability. It excludes employee injuries, cyberattacks, business vehicles and, without an endorsement, natural-disaster damage. Chubb lets you add privacy and data breach, EPL, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime cover, so more of those gaps can be closed on one policy. [5](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") ## What Should You Confirm in Chubb and TechInsurance Business Owner’s Policy Quotes? - If your revenue is between $1 million and $30 million, ask TechInsurance whether it will still quote. [5](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") - Ask TechInsurance which insurer issues the policy; its page names none. [5](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") - Ask both how natural-disaster property damage is handled. [5](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") - Treat the $83 median as the company’s figure, not your price. [5](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") ## Chubb vs TechInsurance Business Owner’s Policy Compared | Criteria | Chubb Business Owner's Policy (BOP) Insurance | TechInsurance Business Owner's Policy (BOP) | | --- | --- | --- | | 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..) | 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. [5](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..) | | 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..) | 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. [5](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..) | | 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..) | 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. [5](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..) | | 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..) | 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. [5](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..) | ## About Chubb and TechInsurance and Business Owner’s Policy - [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews) - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy) ## Related Pages for Chubb vs TechInsurance Business Owner’s Policy - [Chubb vs TechInsurance](https://spot.insure/compare/chubb-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 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) - [TechInsurance Business Owner’s Policy](https://spot.insure/insurance-providers/techinsurance/business-owners-policy) ## Sources for Chubb vs TechInsurance 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 TechInsurance 5. [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. 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). 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