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

Chubb's BOP spans 500-plus business classes up to $30 million in revenue; Travelers markets its BOP to small technology-services businesses, adds cyber and errors and omissions cover, and directs buyers to an independent agent.

If you run a small IT, software or web business, Travelers' Technology Services BOP puts cyber and errors and omissions in the same policy as property and liability. Chubb covers far more businesses, over 500 classes up to $30 million in revenue, but cyber is an add-on. ^5,¹

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

Tech-Services Specialist Versus Broad Small-Business Form

Travelers' Technology Services BOP is limited to firms such as computer installation and repair, data processing, internet service providers, IT consultants and schools, software development, web design and web hosting. Chubb's BOP spans technology, healthcare, retail, manufacturing and financial services. Choose Travelers if your business is on its tech-services list and you want one policy for cyber and E&O; choose Chubb if you're outside that list or want to buy online. ¹ ⁵

Cyber and E&O In the Base Policy or Added On

Travelers builds both into its tech BOP:

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. ⁵Company-reported. BOP description on the Small Business Technology Services Insurance page.

Chubb offers privacy and data breach only as an optional BOP enhancement and points you to its separate Cyber ERM or DigiTech ERM products, so a tech firm buying from Chubb should expect a second policy for cyber and E&O. ¹

Online Quote Versus Independent Agent

You can request a Chubb BOP quote online or through an agent. Travelers sends you to an independent agent and offers no online quote on its tech BOP page, which adds a step before you see a price. ¹ ⁵

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

Check that your services appear on Travelers' technology-services list before you apply. ⁵
Ask Chubb whether cyber and E&O would sit on your BOP or on a separate Chubb policy, and what each adds to the premium. ¹
Ask Travelers about its Xtend, EPL+ and World Business Essentials add-ons if you travel abroad or need broader liability. ⁵
Get standard BOP limits in writing; neither page publishes them. ¹ ⁵

Chubb vs Travelers Business Owner’s Policy Compared

Chubb vs Travelers: Business Owner’s Policy: documented features by provider

Criteria	Chubb Business Owner's Policy (BOP) Insurance	Technology Services Business Owner's 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. ¹Company-reported. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting.	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. ⁵Company-reported. "Who is small business technology services insurance right for?" 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. ¹Company-reported. Chubb BOP product page call-to-action sections for business owners and for agents and brokers.	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. ⁵Company-reported. "Find an insurance agent" call-to-action on the technology-services 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. ¹Company-reported. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state.	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. ⁵Company-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. ⁵Company-reported. "Customize your business policy with these add-ons" section.
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. ¹Company-reported. Chubb BOP product page; describes Chubb's own packaged small-business offering.	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. ⁵Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23.