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

Travelers' BOP is for small technology-services firms and directs buyers to an independent agent; Embroker gives an online BOP quote for small businesses under 100 employees with a physical location.

Travelers' Technology Services BOP includes cyber liability and errors and omissions for IT and software firms, sold through agents. Embroker quotes a BOP online for businesses under 100 employees and $10 million in revenue, but excludes cyber and E&O. ^2,¹

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

Cyber and E&O: Included Versus Excluded

The two treat a tech company's biggest risks in opposite ways. Travelers puts cyber liability and errors and omissions in the same policy as property, liability, business income and extra expense. Embroker states its BOP doesn't cover cyberattacks, breaches or professional mistakes, so you'd add them by endorsement or buy separate policies. Choose Travelers if you do IT, software, hosting or data work and want one policy; choose Embroker if you're a non-tech business under 100 employees and $10 million in revenue that wants to quote online. ² ¹

Who Qualifies

Travelers limits this product to named tech trades: computer installation and repair, data processing, ISPs, IT consultants and schools, software and web development and design, and web hosting. Embroker takes any class that fits its size screen and has a physical location, and a home office counts. ² ¹

How You Buy and What You Add

Embroker quotes on its own platform, while Travelers sends you to an independent agent. For extras, Travelers offers Xtend, EPL+ and World Business Essentials; Embroker offers professional liability, employment practices and property add-ons such as spoiled merchandise or mechanical breakdown. ² ¹

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

Check whether your work is on Travelers' tech list and whether you're inside Embroker's employee and revenue limits. ² ¹
If you take Embroker, price cyber and E&O separately so you're comparing like with like. ² ¹
Ask both which insurer issues the policy. ² ¹
Get limits and deductibles from both; neither publishes them. ² ¹

Embroker vs Travelers Business Owner’s Policy Compared

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

Criteria	Embroker Business Owners Policy	Technology Services Business Owner's Policy
Who It’s For	Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. ¹Company-reported. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all.	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. ²Company-reported. "Who is small business technology services insurance right for?" section.
How to Apply	Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. ¹Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.	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. ²Company-reported. "Find an insurance agent" call-to-action on the technology-services page.
Coverage Features	The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. ¹Company-reported. Product-page coverage summary; the issued policy and declarations control. Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. ¹Company-reported. Product-page What's not included and FAQ sections. Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. ¹Company-reported. FAQ section; specific endorsement availability depends on underwriting.	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. ²Company-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. ²Company-reported. "Customize your business policy with these add-ons" section.
Role in This Line	Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. ¹Company-reported. Product-page description of the bundle; not a statement about the issuing insurer.	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. ²Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23.