---
title: "Pie Insurance vs Travelers: Business Owner’s Policy"
description: "Tech services firms get more from Travelers, whose BOP includes cyber liability and errors and omissions. Every other small business should look at Pie, which arranges a general property, liability and business interruption BOP and sells cyber separately."
canonical: "https://spot.insure/compare/pie-insurance-vs-travelers/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-travelers"
provider-a: "pie-insurance"
provider-b: "travelers"
coverage-line: "business-owners-policy"
---

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

## Agent Guide

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

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

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

# Pie Insurance vs Travelers: How Do They Compare for Business Owner’s Policy?

Pie Insurance calls itself an intermediary offering a small-business BOP from carrier partners; Travelers' BOP targets small technology-services businesses, and its page directs buyers to an independent agent.

Travelers' BOP is only for tech services firms but includes cyber and errors and omissions, while Pie arranges a general small-business BOP and sells cyber as a separate policy.

## Pie Insurance vs Travelers Business Owner’s Policy Summary

Tech services firms get more from Travelers, whose BOP includes cyber liability and errors and omissions. Every other small business should look at Pie, which arranges a general property, liability and business interruption BOP and sells cyber separately. [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## What Are the Key Differences Between Pie Insurance and Travelers Business Owner’s Policy?

### Whether You Qualify and What's Inside

Travelers' version is closed to anyone outside technology services, so a bakery or retailer can't use it. For tech firms that do qualify, one Travelers policy carries property, general liability, business income, cyber and E&O. Pie's BOP stops at property, liability and interruption, and it lists cyber among its separate small-business products. Choose Travelers if you're a tech services firm that wants cyber and E&O on one policy; choose Pie if you're in any other industry. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

### Add-Ons Versus Separate Policies

Travelers offers Xtend (which includes a blanket waiver of subrogation, often required in client contracts), Employment Practices Liability+ and World Business Essentials for overseas travel. Pie's BOP page lists no endorsements and points you to separate workers’ comp, cyber and commercial auto policies instead. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

### How You Get a Quote

Pie asks you to contact it through its website. Travelers sends you to an independent agent and has no online purchase on this page. Pie doesn't name its partner insurers; Travelers says the issuing company is shown on the policy. [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## What Should You Confirm in Pie Insurance and Travelers Business Owner’s Policy Quotes?

- Ask Travelers for the cyber and E&O sublimits, and ask Pie what a separate cyber policy would cost. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")
- Ask a Travelers agent whether Xtend, EPL+ or World Business Essentials are on your quote. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Ask Pie which partner insurer issues the policy. [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")
- Compare interruption wording in writing: Pie's payroll and relocation language against Travelers' business income coverage. [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## Pie Insurance vs Travelers Business Owner’s Policy Compared

| Criteria | Pie Business Owner's Policy (BOP) | Technology Services Business Owner's Policy |
| --- | --- | --- |
| Who It’s For | Pie markets BOP as liability and property insurance customized and bundled for small businesses, and cross-sells it alongside workers' compensation, cyber, and commercial auto on other small-business product pages. [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23; no minimum size or industry restriction was published..) | 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. [2](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..) |
| How to Apply | Pie directs BOP buyers to contact the company to start a quote through its website; the page does not describe the same three-minute self-service flow it advertises for workers' compensation. [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 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 | Pie describes BOP insurance as bundling commercial property coverage (building, inventory, equipment against fire, explosion, smoke, vandalism, or wind), commercial liability protection (bodily injury, property damage, advertising injury), and business interruption coverage (payroll and temporary relocation costs after a covered catastrophe). [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage..) | 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 | Pie says it helps small businesses find the best BOP quote and coverage 'from our insurance carrier partners,' identifying itself as an intermediary for this line rather than the underwriter. [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23..) | 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 Pie Insurance and Travelers and Business Owner’s Policy

- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/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 Pie Insurance vs Travelers Business Owner’s Policy

- [Pie Insurance vs Travelers](https://spot.insure/compare/pie-insurance-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.
- [Pie Insurance Business Owner’s Policy](https://spot.insure/insurance-providers/pie-insurance/business-owners-policy)
- [Travelers Business Owner’s Policy](https://spot.insure/insurance-providers/travelers/business-owners-policy)

## Sources for Pie Insurance vs Travelers Business Owner’s Policy

### Sources About Pie Insurance

1. [Business Owner's Policy | BOP Insurance](https://www.pieinsurance.com/small-business-insurance/business-owners-policy). Pie Insurance; What's typically covered by BOP insurance? Commercial Property Insurance, Commercial Liability Protection, Business Interruption Insurance; How does BOP insurance help protect small businesses?; Make sure you're covered: Start your BOP quote. 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

- [Markdown page](https://spot.insure/compare/pie-insurance-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)