Gallagher vs Travelers Business Owner’s Policy

Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. ⁶Company-reported. Gallagher Small Business's direct-to-small-business BOP product page.

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. ¹¹Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23.

The BOP product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.

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. ¹¹Not found in reviewed sources. Page checked on 2026-09-23; no underwriting-entity footer was present on this page.

Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. ⁶Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance 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. ¹¹Company-reported. "Who is small business technology services insurance right for?" section.

Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. ⁶Company-reported. Product page coverage overview; the issued policy and its exclusions control.

Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. ⁶Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.

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. ¹¹Company-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. ¹¹Company-reported. "Customize your business policy with these add-ons" section.

The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the BOP product page 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. ¹¹Not found in reviewed sources. Page checked on 2026-09-23.

Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. ⁶Company-reported. Product page "Get Covered Now" section.

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. ¹¹Company-reported. "Find an insurance agent" call-to-action on the technology-services page.