Nationwide vs 
TechInsurance: How Do They Compare for Business Owner’s Policy?
TechInsurance targets businesses under 100 employees, under $1 million in revenue, in low-risk industries with small premises; its BOP excludes employee injuries, cyberattacks, vehicles, and natural-disaster property damage absent an endorsement. Nationwide describes liability, property, income, and equipment breakdown. 8,4
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 1,2,3
What Is TechInsurance?
TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. 5,6,7
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 9,10
Key Differences in Business Owner’s Policy
Eligibility and Excluded Property Risks
TechInsurance says its BOP savings typically fit businesses with fewer than 100 employees, under $1 million in yearly revenue, a low-risk industry, and a small commercial space. It lists employee injuries, cyberattacks, business vehicles, and natural-disaster property damage without an endorsement among exclusions. Nationwide describes a small-business package with property, liability, income, and equipment breakdown, but its summary doesn't publish matching thresholds or an exclusions list. Ask Nationwide's agent to assess your class and request the policy's catastrophe exclusions before comparing. 8 8 4
Quote Process and Cost Context
TechInsurance takes one online application for quotes and says licensed agents can help tailor endorsements; its cited median premium is $83 per month, with cost depending on business property, risk, limits, deductible, location, employee count, and claims history. Nationwide directs buyers to an agent or quote request and does not publish a comparable price in its overview. Treat the figure as a reported median, not a quote: compare premiums only after matching limits, deductibles, property values, and required endorsements. 8 8 4
What to Confirm in Business Owner’s Policy Quotes
- Ask TechInsurance whether your revenue and industry meet its typical profile; ask Nationwide for its class appetite and property exclusions. 8 4
- Compare written limits, deductibles, catastrophe protection, and equipment-breakdown terms before using TechInsurance's published median as a benchmark. 8 4
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Nationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsTechInsurance
Review Score
2 rated sources
TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.[4][5]
Read TechInsurance reviewsOffering Details
Nationwide vs TechInsurance: Business Owner’s Policy: documented features by provider
| Criteria | Nationwide business owners policy (official overview) | TechInsurance Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Nationwide describes offering business owners policy for the audience stated on the cited product page. 4Company-reported. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. 8Company-reported. Business owner's policy product page. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for a BOP. 8Not publicly disclosed. Business owner's policy product page as read on 2026-09-23. |
| Who It’s For | Small businesses matching the source's BOP description; underwriting and state availability remain subject to quote. 4Company-reported. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. 8Company-reported. Business owner's policy product page, Eligibility requirements for a BOP section. |
| Coverage Features | The cited product page describes a package combining business liability, commercial property, business income, and equipment-breakdown coverage as described by Nationwide. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 4Company-reported. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. 8Company-reported. Business owner's policy product page; general policy description, not a specific policy form. |
| Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 4Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. | TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. 8Company-reported. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| How to Apply | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 4Company-reported. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. 8Company-reported. Business owner's policy product page. |
Full Comparison
More Nationwide vs TechInsurance Comparisons
Other Business Owner’s Policy Comparisons
Sources
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Business Owners Policy (BOP Insurance). Nationwide; BOP page; package components and business property/liability coverage. Accessed 2026-09-30.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Business Owner's Policy (BOP) Insurance – Compare Quotes. TechInsurance; Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP? Accessed 2026-09-23.
Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
