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

HUB International brokers a BOP and has an advisor tailor it; Travelers' BOP targets small technology-services businesses, and its page directs buyers to an independent agent to tailor and buy it.

A small IT, software or web firm gets more from Travelers, whose Technology Services BOP includes cyber and errors and omissions. HUB suits small and mid-size businesses outside tech, with an advisor who tailors a property-and-liability BOP to your trade. ^2,¹

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

Whether Your Business Is a Tech-Services Firm

Travelers limits this BOP to named technology-services occupations. HUB places BOPs for small and mid-size businesses generally and covers buildings, equipment, stock, furniture and fixtures plus liability for injuries and property damage. You'll go through a person either way: an independent agent for Travelers, a HUB advisor for HUB. Choose Travelers if you sell tech services and want cyber and E&O on one policy; choose HUB if you run a shop, office or trade outside tech. ² ¹

Cyber and E&O Built In or Left Out

Travelers' tech BOP includes business income and extra expense, cyber liability, and errors and omissions, with Xtend, EPL+ and World Business Essentials available as add-ons. HUB's advisor fine-tunes options for your line of business, but its page doesn't list cyber or E&O, so a tech firm using HUB should expect to buy those separately. ² ¹

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

Check that Travelers classes your business as a listed technology service. ²
Ask HUB which insurer issues the BOP it places for you, and ask your agent which Travelers company issues the Travelers policy. ¹ ²
Ask HUB whether cyber and E&O can be added and what they cost. ¹
Ask which Travelers add-ons and which HUB trade-specific options are on each quote. ² ¹

HUB International vs Travelers Business Owner’s Policy Compared

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

Criteria	HUB International Business Owners Policy Brokerage	Technology Services Business Owner's Policy
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. ¹Company-reported. Product-page call to action as read 2026-09-23.	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	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. ¹Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.	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	HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. ¹Company-reported. BOP product page as read 2026-09-23; the page does not name an 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.

Criteria

HUB International Business Owners Policy Brokerage

Technology Services Business Owner's Policy

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. ¹Company-reported. Product-page call to action as read 2026-09-23.

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

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. ¹Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.

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

HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. ¹Company-reported. BOP product page as read 2026-09-23; the page does not name an 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.