--- title: "Simply Business vs TechInsurance: Business Owner’s Policy" description: "TechInsurance says its BOP typically fits businesses below 100 employees and $1 million in revenue, in low-risk industries and small commercial premises." canonical: "https://spot.insure/compare/simply-business-vs-techinsurance/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "simply-business-vs-techinsurance" provider-a: "simply-business" provider-b: "techinsurance" coverage-line: "business-owners-policy" --- 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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/simply-business-vs-techinsurance/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of Simply Business and TechInsurance 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 Simply Business versus TechInsurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Simply Business vs TechInsurance for Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, Simply Business or TechInsurance? - What does Simply Business or TechInsurance publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Business Owner’s Policy from Simply Business or TechInsurance? **Key facts:** - Line: Business Owner’s Policy. Providers: Simply Business and TechInsurance. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Simply Business vs TechInsurance](https://spot.insure/compare/simply-business-vs-techinsurance) — parent: all coverage lines for this pair - [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line - [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence) - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence) - [Simply Business vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/commercial-property) — sibling comparison (other line, or other pair for this line) - [Simply Business vs TechInsurance Cyber Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/cyber) — sibling comparison (other line, or other pair for this line) - [Simply Business vs TechInsurance General Liability Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/general-liability) — sibling comparison (other line, or other pair for this line) - [Simply Business vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/inland-marine) — sibling comparison (other line, or other pair for this line) - [Simply Business vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Simply Business vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-techinsurance/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-techinsurance/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [biBerk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/biberk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [biBerk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-techinsurance/business-owners-policy) — sibling comparison (other line, or other pair for this line) # Simply Business vs TechInsurance: How Do They Compare for Business Owner’s Policy? TechInsurance says its BOP typically fits businesses below 100 employees and $1 million in revenue, in low-risk industries and small commercial premises. ## How to Use the Simply Business vs TechInsurance Business Owner’s Policy Comparison Use this comparison to evaluate Simply Business and TechInsurance 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. ## Simply Business vs TechInsurance Business Owner’s Policy Summary TechInsurance says its BOP typically fits businesses below 100 employees and $1 million in revenue, in low-risk industries and small commercial premises. TechInsurance offers online BOP quoting with licensed-agent help and says a certificate is typically available the day coverage is bought. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") ## Simply Business: Online Small-Business Insurance Marketplace Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [1](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [Simply Business profile](https://spot.insure/insurance-providers/simply-business) ## 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. [4](https://www.techinsurance.com/about-us "About TechInsurance") [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [6](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## 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. [8](https://content.naic.org/consumer/small-business.htm "Small Business") [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy") ## What Are the Key Differences Between Simply Business and TechInsurance Business Owner’s Policy? ### Fit and Policy Features TechInsurance says its BOP typically fits businesses below 100 employees and $1 million in revenue, in low-risk industries and small commercial premises. Simply Business does not publish an equivalent threshold in its offering, and says quotes vary by business, state, and insurer. Compare eligibility against your actual revenue, payroll, and occupancy before relying on either route. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ### Buying and Quote Details TechInsurance offers online BOP quoting with licensed-agent help and says a certificate is typically available the day coverage is bought. Simply Business describes reviewing marketplace quotes but requires panel-member approval before binding. Ask TechInsurance when its carrier binds and Simply Business what approval steps remain. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ## What Should You Confirm in Simply Business and TechInsurance Business Owner’s Policy Quotes? - Ask Simply Business which insurer’s form is offered for your state, whether professional liability can be added, and what steps remain before the panel approves binding. [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") - Ask TechInsurance to show the quote’s limits, deductible, exclusions, and any add-on premium; do not treat an average figure as a quote for your business. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") ## Simply Business vs TechInsurance Business Owner’s Policy Compared | Criteria | Business owner’s policy (BOP) through Simply Business | TechInsurance Business Owner's Policy (BOP) | | --- | --- | --- | | Role in This Line | Confirm in your quote. | 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. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) | | Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for a BOP. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Business owner's policy product page as read on 2026-09-23..) | | Who It’s For | Confirm in your quote. | 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. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page, Eligibility requirements for a BOP section..) | | Coverage Features | Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..)

The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | 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. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page; general policy description, not a specific policy form..) | | Limits and Retentions | Confirm in your quote. | 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. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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 describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | 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. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) | ## Related Pages for Simply Business vs TechInsurance - [Simply Business vs TechInsurance](https://spot.insure/compare/simply-business-vs-techinsurance): 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. - [Simply Business vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/commercial-property) - [Simply Business vs TechInsurance Cyber Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/cyber) - [Simply Business vs TechInsurance General Liability Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/general-liability) - [Simply Business vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/inland-marine) - [Simply Business vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/professional-errors-omissions) - [Simply Business vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/simply-business-vs-techinsurance/workers-compensation) - [Alliance Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-simply-business/business-owners-policy) - [Alliance Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-techinsurance/business-owners-policy) - [Amelia Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-simply-business/business-owners-policy) - [Amelia Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-techinsurance/business-owners-policy) - [biBerk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/biberk-vs-simply-business/business-owners-policy) - [biBerk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-techinsurance/business-owners-policy) ## Sources for Simply Business vs TechInsurance Business Owner’s Policy ### Sources About Simply Business 1. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29. 2. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29. 3. [Business Owner’s Policy Insurance](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/). Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections.. Accessed 2026-09-29. ### Sources About TechInsurance 4. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 5. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16. 6. [Contact Us](https://www.techinsurance.com/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. 7. [Business Owner's Policy (BOP) Insurance – Compare Quotes](https://www.techinsurance.com/business-owners-policy). 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. ### Sources for the Business Owner’s Policy Guide 8. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16. 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 2026-09-30. 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. ## Simply Business Review Scores for 2026 Review Score: 5.7 / 10 from 4 rated sources, equally weighted. Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## TechInsurance Review Scores for 2026 Review Score: 9.1 / 10 from 2 rated sources, equally weighted. 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. - Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com) - ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/techinsurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/simply-business-vs-techinsurance/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)