---
title: "Chubb vs Travelers: Business Owner’s Policy"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-travelers/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-travelers"
provider-a: "chubb"
provider-b: "travelers"
coverage-line: "business-owners-policy"
---

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

## Agent Guide

**What this page is:** Focused comparison of Chubb and Travelers 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 Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Business Owner’s Policy. Providers: Chubb and Travelers.
- 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 Travelers](https://spot.insure/compare/chubb-vs-travelers) — 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
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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.

Travelers' BOP for tech-services firms already includes cyber and E&O; Chubb's BOP covers far more industries but treats cyber as an add-on.

## Chubb vs Travelers Business Owner’s Policy Summary

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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [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 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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

### 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. [5](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..)

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

### 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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- 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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Ask Travelers about its Xtend, EPL+ and World Business Essentials add-ons if you travel abroad or need broader liability. [5](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Get standard BOP limits in writing; neither page publishes them. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## Chubb vs Travelers Business Owner’s Policy Compared

| 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. [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..) | 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. [5](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..) |
| 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..) | 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. [5](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..) |
| 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..) | 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. [5](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. [5](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..) |
| 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..) | 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. [5](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..) |

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

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

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

- [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 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)
- [Travelers Business Owner’s Policy](https://spot.insure/insurance-providers/travelers/business-owners-policy)

## Sources for Chubb vs Travelers 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 Travelers

5. [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.

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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