---
title: "Chubb vs Travelers Business Owner’s Policy"
description: "Chubb underwrites a broad small-commercial BOP; Travelers packages a technology-services BOP that includes cyber and E&O in the bundle."
canonical: "https://spot.insure/compare/chubb-vs-travelers/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Chubb vs Travelers Business Owner’s Policy

Chubb underwrites a broad small-commercial BOP; Travelers packages a technology-services BOP that includes cyber and E&O in the bundle.

## Research Scope and Use

Use this comparison to evaluate Chubb and Travelers for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites a BOP for small businesses with up to $30 million in revenue across more than 500 classes. Travelers packages a Technology Services BOP that includes property, general liability, business income and extra expense, and cyber liability and errors and omissions, sold through an independent agent. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## 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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [7](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [9](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [11](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Broad Classes Versus a Technology-Services Form

Chubb underwrites a BOP described for more than 500 classes, including technology, healthcare, retail, manufacturing and financial services, with a $30 million revenue ceiling. Travelers markets a Technology Services BOP to small businesses providing technology services such as computer installation and repair, data processing, internet service providers, IT consultants and schools, software development, web development and design, and web hosting. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

### Cyber and E&O Inside Travelers’ Bundle

Travelers says the Technology Services BOP includes property, general liability, business income and extra expense, and cyber liability and errors and omissions in one policy. Chubb lists privacy and data breach as an optional BOP enhancement and points BOP holders to Cyber ERM/DigiTech ERM through its Total Account Solution rather than stating cyber and E&O are in the base 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. [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: BOP description on the Small Business Technology Services Insurance page..)

[4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")

### How You Buy

You can request a Chubb BOP quote online or through an appointed agent. Travelers directs buyers to an independent insurance agent and does not offer a direct self-service online quote or bind path on the reviewed page. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## What to Confirm in Business Owner’s Policy Quotes

- Confirm your operations match Travelers’ technology-services list. [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Ask Chubb whether cyber and E&O are on the BOP or a separate Chubb line. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Ask about Travelers’ Xtend, EPL+ and World Business Essentials add-ons if you travel or need extra liability grants. [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Neither page publishes standard BOP limits. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## Offering Details

| Criteria | Chubb Business Owner's Policy (BOP) Insurance | Technology Services Business Owner's Policy |
| --- | --- | --- |
| 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. [4](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..) | 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. [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Small Business Technology Services Insurance page as read on 2026-09-23..) |
| Issuing Insurer | 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. [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Not found in reviewed sources; scope: Page checked on 2026-09-23; no underwriting-entity footer was present on this page..) |
| 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. [4](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..) | 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. [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: "Who is small business technology services insurance right for?" 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. [4](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..) | 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. [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: BOP description on the Small Business Technology Services Insurance page..)<br><br>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. [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: "Customize your business policy with these add-ons" section..) |
| Limits and Retentions | The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Not found in reviewed sources; scope: Chubb 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. [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Not found in reviewed sources; scope: Page checked on 2026-09-23..) |
| 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. [4](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; 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. [4](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..) | 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. [10](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: "Find an insurance agent" call-to-action on the technology-services 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](https://www.chubb.com/us-en/claims.html "Claims") [5](https://www.chubb.com/us-en/claims/report-claim.html "Report a Claim") (Evidence: Company-reported; scope: 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

- [Chubb vs Travelers](https://spot.insure/compare/chubb-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Chubb vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-travelers/cargo-transit)
- [Chubb vs Travelers Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-travelers/commercial-auto)
- [Chubb vs Travelers Commercial Property Insurance](https://spot.insure/compare/chubb-vs-travelers/commercial-property)
- [Chubb vs Travelers Crime Insurance](https://spot.insure/compare/chubb-vs-travelers/crime)
- [Chubb vs Travelers Cyber Insurance](https://spot.insure/compare/chubb-vs-travelers/cyber)
- [Chubb vs Travelers D&O Insurance](https://spot.insure/compare/chubb-vs-travelers/directors-officers)
- [Chubb vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/employment-practices)
- [Chubb vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-travelers/equipment-breakdown)
- [Chubb vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/fiduciary)
- [Chubb vs Travelers General Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/general-liability)
- [Chubb vs Travelers Inland Marine Insurance](https://spot.insure/compare/chubb-vs-travelers/inland-marine)
- [Chubb vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-travelers/kidnap-ransom)
- [Chubb vs Travelers Management Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/management-liability)
- [Chubb vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-travelers/professional-errors-omissions)
- [Chubb vs Travelers Surety Bonds](https://spot.insure/compare/chubb-vs-travelers/surety-bonds)
- [Chubb vs Travelers Tech E&O Insurance](https://spot.insure/compare/chubb-vs-travelers/technology-errors-omissions)
- [Chubb vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/umbrella-excess)
- [Chubb vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-travelers/workers-compensation)
- [Alliance Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-chubb/business-owners-policy)
- [Alliance Risk vs Travelers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-travelers/business-owners-policy)
- [Amelia Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-chubb/business-owners-policy)
- [Amelia Risk vs Travelers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-travelers/business-owners-policy)
- [Chubb vs Corgi Business Owner’s Policy](https://spot.insure/compare/chubb-vs-corgi/business-owners-policy)
- [Chubb vs Coterie Insurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-coterie/business-owners-policy)

## Sources

### Chubb

1. [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.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). 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.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). 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.
4. [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.
5. [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.
6. [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.

### Travelers

7. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
8. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
9. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
10. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). Travelers; Technology services business owner's policy (BOP) section; Who is small business technology services insurance right for?; Customize your business policy with these add-ons; Find an insurance agent CTA. Accessed 2026-09-23.

### Business Owner’s Policy Guide

11. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. 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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