HUB International vs Travelers Business Owner’s Policy

HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. ⁴Company-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. ⁸Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23.

The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. ⁴Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.

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. ⁸Not found in reviewed sources. Page checked on 2026-09-23; no underwriting-entity footer was present on this page.

Not described in the reviewed sources.

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. ⁸Company-reported. "Who is small business technology services insurance right for?" section.

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. ⁴Company-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. ⁸Company-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. ⁸Company-reported. "Customize your business policy with these add-ons" section.

Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. ⁴Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

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. ⁸Not found in reviewed sources. Page checked on 2026-09-23.

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. ⁴Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.

Not described in the reviewed sources.

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. ⁴Company-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. ⁸Company-reported. "Find an insurance agent" call-to-action on the technology-services page.