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

Hiscox sells its BOP online to small businesses, with cyber and crime add-ons; Travelers' BOP is built for small technology-services firms, includes cyber and errors and omissions cover, and directs buyers to an independent agent.

Hiscox is the online choice for most small businesses, with cyber, hired auto and crime as add-ons, though it isn't sold in seven states. Tech-service firms get more from Travelers, whose BOP includes cyber and E&O but requires an independent agent. ^1,^5,^4,⁶

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

General Small Business Versus Tech Services

Hiscox writes its Hiscox NOW BOP itself and sells it online as part of a broad small-business catalogue. Travelers built its Technology Services BOP for computer installation and repair, data processing, internet service providers, IT consultants and schools, software and web development, and web hosting. Choose Hiscox if you're a general small business in a state it serves and want to buy online; choose Travelers if you sell technology services and want cyber and E&O without separate policies. ¹ ⁵ ⁶

Cyber Included Versus Cyber as an Add-On

Travelers includes cyber liability and errors & omissions alongside property, general liability, and business income and extra expense. With Hiscox, cyber, hired and non-owned auto and commercial crime are optional add-ons you pay for separately. For a tech firm, Travelers' bundle means fewer policies to manage; for anyone else, Hiscox lets you buy only what you need. ¹ ⁶

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

Check that Travelers classes you as one of its listed technology-services businesses. ⁶
Check Hiscox BOP availability in your state; it isn't sold in seven. ⁵
Check whether cyber is included (Travelers) or an add-on (Hiscox) on each quote. ⁶ ¹
Ask your Travelers agent which Travelers insurer issues the policy and which add-ons are attached. ⁶

Hiscox vs Travelers Business Owner’s Policy Compared

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

Criteria	Hiscox Business Owner's Policy	Technology Services Business Owner's Policy
Who It’s For	Hiscox's 2026 appetite guide says its business owner's policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia, a narrower footprint than the 49-state-plus-D.C. availability Hiscox states for its overall online small-business catalogue. ⁵Company-reported. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business.	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. ⁶Company-reported. "Who is small business technology services insurance right for?" section.
How to Apply	Hiscox says eligible buyers can quote and buy a business owner's policy online, and can select add-on coverages such as cyber or commercial crime during that process where available. ¹Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.	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. ⁶Company-reported. "Find an insurance agent" call-to-action on the technology-services page.
Coverage Features	Hiscox describes optional add-ons to its business owner's policy including cyber coverage, hired/non-owned commercial auto, and commercial crime; hired/non-owned auto and commercial crime are described as upgrades tied to the BOP's own occurrence limit and are not sold as standalone Hiscox policies. ^1,^2,³Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states.	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. ⁶Company-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. ⁶Company-reported. "Customize your business policy with these add-ons" section.
Role in This Line	Hiscox Inc. sells a business owner's policy directly online to small businesses, combining general liability and commercial property into one package as part of its Hiscox NOW admitted catalogue. ^1,⁴Company-reported. Company-stated online small-business channel.	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. ⁶Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23.