Kinro vs Travelers Business Owner’s Policy

Kinro is a broker: it matches a business to carriers offering a BOP rather than underwriting the policy itself, saying the same product "can underwrite differently" depending on the operation and that market fit depends on carrier appetite. ⁴Company-reported. Business Owner's Policy page "Routing" and "Market fit" sections.

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.

Not described in the reviewed sources.

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.

Kinro says its BOP commonly fits restaurants, retail stores, salons and offices, and typically comes up when a business leases a storefront, salon, office or restaurant space and its landlord requires liability or property coverage. ⁴Company-reported. Business Owner's Policy page "Common fit" and "Triggers" sections.

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.

Kinro describes its BOP as packaging general liability with business property coverage (inventory, furniture, equipment and tenant improvements) into one policy for eligible small businesses. ⁴Company-reported. Business Owner's Policy page introduction and "Coverage" section; actual terms depend on the carrier and policy placed.

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.

The reviewed page does not publish BOP limits, deductibles or premiums; it lists desired liability limits and property values as inputs carriers need to quote, not published amounts. ⁴Not found in reviewed sources. Business Owner's Policy page "Quote file" section as read on 2026-09-23.

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.

To start a BOP quote, Kinro collects the location address, square footage, construction and occupancy, property and inventory values, and revenue and business activity, and often reviews the BOP together with workers' compensation, cyber and hired/non-owned auto coverage. ⁴Company-reported. Business Owner's Policy page "Quote file" and "Reviewed with" sections.

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.