--- title: "HUB International vs TechInsurance Business Owner’s Policy" description: "TechInsurance quotes BOPs online with an $83 median and size screens; HUB starts only through a broker and publishes no premium." canonical: "https://spot.insure/compare/hub-international-vs-techinsurance/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-techinsurance/business-owners-policy) # HUB International vs TechInsurance Business Owner’s Policy TechInsurance quotes BOPs online with an $83 median and size screens; HUB starts only through a broker and publishes no premium. ## Research Scope and Use Use this comparison to evaluate HUB International and TechInsurance for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary TechInsurance arranges online BOP quotes for firms it typically screens at under 100 employees and $1 million revenue, reports a median of $83 a month, and typically issues a same-day certificate. HUB brokers the line through a HUB advisor with no online quote or published median on the reviewed page. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is TechInsurance? TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## What Is a Business Owner’s Policy? A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [8](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy") ## Key Differences in Business Owner’s Policy ### Single Application Versus Broker Outreach You request TechInsurance BOP quotes through one online application; licensed agents can add endorsements, and a certificate is typically available the same day you buy. HUB directs you to contact a HUB broker and does not describe a self-serve bind. Both arrange a combined property-and-liability package rather than naming themselves as the underwriter. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### Published Screens and Median Versus Fine-Tuning TechInsurance typically points to fewer than 100 employees, a low-risk industry, under $1 million in yearly revenue and a small commercial space, and reports a median of $83 per month. HUB does not publish those screens or a median; it says an advisor fine-tunes options for the client's line of business. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### Coverage Lists TechInsurance says the BOP covers property, third-party accidents, copyright and defamation, theft and vandalism, and product liability, and excludes employee injuries, cyberattacks, vehicles and, without an endorsement, natural-disaster property damage. HUB describes buildings, equipment, stock, furniture and fixtures plus liability for injury or property-damage claims, without that copyright or product-liability list on the reviewed page. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## What to Confirm in Business Owner’s Policy Quotes - Check TechInsurance's headcount and revenue screens. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") - Treat the $83 median as book context, not your HUB or TechInsurance rate. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") - Ask both which insurer would issue the policy. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Ask HUB which line-of-business options would be attached, and whether TechInsurance needs a natural-disaster endorsement. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") ## Offering Details | Criteria | HUB International Business Owners Policy Brokerage | TechInsurance Business Owner's Policy (BOP) | | --- | --- | --- | | Role in This Line | HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: BOP product page as read 2026-09-23; the page does not name an issuing insurer..) | TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) | | Issuing Insurer | The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not found in reviewed sources; scope: Checked the BOP product page on 2026-09-23; no carrier is disclosed there..) | The reviewed page does not name the issuing insurer for a BOP. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Business owner's policy product page as read on 2026-09-23..) | | Who It’s For | Not described in the reviewed sources. | TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page, Eligibility requirements for a BOP section..) | | Coverage Features | HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim..) | TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page; general policy description, not a specific policy form..) | | Limits and Retentions | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not publicly disclosed; scope: Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page..) | TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | | Risk Services | HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page marketing copy; no specific risk-control service beyond broker consultation is described..) | Not described in the reviewed sources. | | How to Apply | HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) | ## Full Comparison - [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance): all coverage lines, business roles, service and claims. - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses. - [HUB International vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/commercial-auto) - [HUB International vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/commercial-property) - [HUB International vs TechInsurance Cyber Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/cyber) - [HUB International vs TechInsurance D&O Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/directors-officers) - [HUB International vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/employment-practices) - [HUB International vs TechInsurance Fidelity Bonds](https://spot.insure/compare/hub-international-vs-techinsurance/fidelity-bonds) - [HUB International vs TechInsurance General Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/general-liability) - [HUB International vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/inland-marine) - [HUB International vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/professional-errors-omissions) - [HUB International vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/technology-errors-omissions) - [HUB International vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/umbrella-excess) - [HUB International vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/workers-compensation) - [Alliance Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-hub-international/business-owners-policy) - [Alliance Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-techinsurance/business-owners-policy) - [Amelia Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy) - [Amelia Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-techinsurance/business-owners-policy) - [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy) - [Chubb vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-techinsurance/business-owners-policy) ## Sources ### HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16. 4. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. Accessed 2026-09-23. ### TechInsurance 5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16. 7. [Business Owner's Policy (BOP) Insurance – Compare Quotes](https://www.techinsurance.com/business-owners-policy). TechInsurance; Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP?. Accessed 2026-09-23. ### Business Owner’s Policy Guide 8. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16. Updated 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-techinsurance/business-owners-policy.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)