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

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

## Agent Guide

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

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

**Key facts:**
- Line: Business Owner’s Policy. Providers: Hiscox 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:**
- [Hiscox vs Travelers](https://spot.insure/compare/hiscox-vs-travelers) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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 sells a general small-business BOP online in most states, while Travelers' BOP is built for tech-service firms, includes cyber and E&O, and is sold through agents.

## Hiscox vs Travelers Business Owner’s Policy Summary

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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [6](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [6](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

### 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [6](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Check Hiscox BOP availability in your state; it isn't sold in seven. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide")
- Check whether cyber is included (Travelers) or an add-on (Hiscox) on each quote. [6](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage")
- Ask your Travelers agent which Travelers insurer issues the policy and which add-ons are attached. [6](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## Hiscox vs Travelers Business Owner’s Policy Compared

| 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. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: 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. [6](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 | 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. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: 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. [6](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 | 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [2](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [3](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") (Evidence: Company-reported; scope: 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. [6](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. [6](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 | 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: 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. [6](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 Hiscox and Travelers and Business Owner’s Policy

- [Hiscox company profile](https://spot.insure/insurance-providers/hiscox) · [Hiscox customer reviews](https://spot.insure/insurance-providers/hiscox/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 Hiscox vs Travelers Business Owner’s Policy

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

## Sources for Hiscox vs Travelers Business Owner’s Policy

### Sources About Hiscox

1. [Business Owner's Policy Insurance (BOP) Coverage](https://www.hiscox.com/small-business-insurance/business-owners-policy). Hiscox; BOP as combined general liability and commercial property; optional packages including cyber, non-owned commercial auto, commercial crime and professional liability; illustrative California IT/technology consultant pricing table; worldwide-coverage qualifications. Accessed 2026-09-16.
2. [Non-Owned Car Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; Hired/non-owned auto described as an upgrade to a business owner's policy and part of that policy's occurrence limit, not coverage for vehicles owned or regularly operated by the business. Accessed 2026-09-16.
3. [Commercial crime insurance for small businesses](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime). Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16.
4. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent. Accessed 2026-09-16.
5. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Accessed 2026-09-16.

### Sources About Travelers

6. [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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