--- title: "HUB International vs Travelers Business Owner’s Policy" description: "Travelers' reviewed BOP is a technology-services package with cyber and E&O; HUB brokers a general BOP through an advisor." canonical: "https://spot.insure/compare/hub-international-vs-travelers/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-travelers/business-owners-policy) # HUB International vs Travelers Business Owner’s Policy Travelers' reviewed BOP is a technology-services package with cyber and E&O; HUB brokers a general BOP through an advisor. ## Research Scope and Use Use this comparison to evaluate HUB International and Travelers 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 Travelers packages a Technology Services BOP that includes property, general liability, business income, cyber liability and errors & omissions for listed tech occupations, bought through an independent agent. HUB brokers a general property-and-liability BOP through a HUB advisor and does not describe cyber or E&O as part of that bundle. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [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 Travelers Insurance? Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## What Is a Business Owner’s Policy? A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [9](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 ### Tech Package Versus General Brokerage Travelers presents this line as a Technology Services BOP for named technology-services occupations. HUB brokers a BOP for small and mid-size businesses as a combination of business property and liability, without scoping the reviewed page to those tech classes. Both use an advisor or independent agent rather than a self-serve online bind on the pages reviewed. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### Cyber and E&O Included Versus Fine-Tuning Options Travelers says the Technology Services BOP includes property, general liability, business income and extra expense, and cyber liability and errors & omissions, plus optional Xtend, Employment Practices Liability+ and World Business Essentials. HUB says an advisor fine-tunes options for the client's line of business and describes buildings, equipment, stock, furniture and fixtures plus injury and property-damage liability, without listing cyber or E&O as included. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### Issuing Entity Travelers' technology-services page does not name the specific Travelers entity that issues the BOP. HUB's page does not name an issuing insurer. The writer appears on the quote and policy. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [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 - Confirm whether Travelers classifies your operations as a listed technology-services business. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") - Ask HUB which insurer would issue a BOP if you are outside those tech classes. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Check whether cyber and E&O are included on the Travelers form versus the HUB-placed policy. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Ask which Travelers add-ons and which HUB line-of-business options are on each quote. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## Offering Details | Criteria | HUB International Business Owners Policy Brokerage | Technology Services Business Owner's Policy | | --- | --- | --- | | 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..) | 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. [8](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..) | | 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 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. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Not found in reviewed sources; scope: Page checked on 2026-09-23; no underwriting-entity footer was present on this page..) | | Who It’s For | 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. [8](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..) | | 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..) | 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. [8](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..)

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. [8](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..) | | 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..) | 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. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Not found in reviewed sources; scope: Page checked on 2026-09-23..) | | 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..) | 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. [8](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..) | ## Full Comparison - [HUB International vs Travelers](https://spot.insure/compare/hub-international-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 owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses. - [HUB International vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-travelers/cargo-transit) - [HUB International vs Travelers Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-auto) - [HUB International vs Travelers Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-property) - [HUB International vs Travelers Crime Insurance](https://spot.insure/compare/hub-international-vs-travelers/crime) - [HUB International vs Travelers Cyber Insurance](https://spot.insure/compare/hub-international-vs-travelers/cyber) - [HUB International vs Travelers D&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/directors-officers) - [HUB International vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/employment-practices) - [HUB International vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-travelers/equipment-breakdown) - [HUB International vs Travelers Fidelity Bonds](https://spot.insure/compare/hub-international-vs-travelers/fidelity-bonds) - [HUB International vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/fiduciary) - [HUB International vs Travelers General Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/general-liability) - [HUB International vs Travelers Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-travelers/inland-marine) - [HUB International vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-travelers/kidnap-ransom) - [HUB International vs Travelers Management Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/management-liability) - [HUB International vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-travelers/professional-errors-omissions) - [HUB International vs Travelers Surety Bonds](https://spot.insure/compare/hub-international-vs-travelers/surety-bonds) - [HUB International vs Travelers Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/technology-errors-omissions) - [HUB International vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/umbrella-excess) - [HUB International vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-travelers/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 Travelers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-travelers/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 Travelers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-travelers/business-owners-policy) - [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy) - [Chubb vs Travelers Business Owner’s Policy](https://spot.insure/compare/chubb-vs-travelers/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. ### Travelers 5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 8. [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. ### Business Owner’s Policy Guide 9. [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-travelers/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)