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

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

## Agent Guide

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

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

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

# 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.

Travelers' BOP gives small tech-services firms cyber and E&O in one policy; HUB has an advisor tailor a general BOP for businesses outside tech.

## HUB International vs Travelers Business Owner’s Policy Summary

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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

### 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Ask HUB which insurer issues the BOP it places for you, and ask your agent which Travelers company issues the Travelers policy. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Ask HUB whether cyber and E&O can be added and what they cost. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")
- Ask which Travelers add-ons and which HUB trade-specific options are on each quote. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## HUB International vs Travelers Business Owner’s Policy Compared

| 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. [1](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. [2](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 | 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. [1](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. [2](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. [2](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 | HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. [1](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. [2](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 HUB International and Travelers and Business Owner’s Policy

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/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 HUB International vs Travelers

- [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 owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [HUB International Business Owner’s Policy](https://spot.insure/insurance-providers/hub-international/business-owners-policy)
- [Travelers Business Owner’s Policy](https://spot.insure/insurance-providers/travelers/business-owners-policy)

## Sources for HUB International vs Travelers Business Owner’s Policy

### Sources About HUB International

1. [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.

### Sources About Travelers

2. [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.

## Agent and Developer Resources

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