Simply Business vs 
Travelers: How Do They Compare for Business Owner’s Policy?
Travelers’ documented BOP is designed for technology-services firms and includes property, liability, business income, extra expense, cyber, and errors-and-omissions protection. Travelers directs buyers to an independent agent to tailor this technology BOP; Simply Business starts with online marketplace quote review, subject to insurer approval. 3,7
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. 1,2
What Is Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 4,5,6
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. 8,9
What Are the Key Differences Between Simply Business and Travelers Business Owner’s Policy?
Coverage and Fit
Travelers’ documented BOP is designed for technology-services firms and includes property, liability, business income, extra expense, cyber, and errors-and-omissions protection. Simply Business describes a typical property-and-liability BOP, with exact interruption and exclusions set by the issued form. A technology business should confirm whether cyber and E&O are included in the specific marketplace offer. 7 3
Buying and Terms
Travelers directs buyers to an independent agent to tailor this technology BOP; Simply Business starts with online marketplace quote review, subject to insurer approval. Ask the Travelers agent which technology classes qualify and ask Simply Business which insurer and endorsements are available for your business. 7 3
What Should You Confirm in Simply Business and Travelers Business Owner’s Policy Quotes?
- Ask Simply Business which insurer’s policy will be quoted, and obtain the schedule, valuation method, deductible, exclusions, and binding requirements. 3
- Ask Travelers to identify the issuing insurer and show the exact limits, covered causes, and any endorsements or exclusions on the proposed policy. 7
Simply Business and Travelers Review Scores for 2026
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.
Simply Business Review Score
Review Score
4 rated sources
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.[6][10][7]
Read Simply Business reviewsTravelers Review Score
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsSimply Business vs Travelers Business Owner’s Policy Compared
Simply Business vs Travelers: Business Owner’s Policy: documented features by provider
| Criteria | Business owner’s policy (BOP) through Simply Business | Technology Services Business Owner's Policy |
|---|---|---|
| Role in This Line | Confirm in your quote. | 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. 7Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | 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. 7Not found in reviewed sources. Page checked on 2026-09-23; no underwriting-entity footer was present on this page. |
| Who It’s For | Confirm in your quote. | 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. 7Company-reported. "Who is small business technology services insurance right for?" 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. 3Company-reported. 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. 3Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | 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. 7Company-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. 7Company-reported. "Customize your business policy with these add-ons" section. |
| Limits and Retentions | Confirm in your quote. | 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. 7Not found in reviewed sources. Page checked on 2026-09-23. |
| 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. 3,2Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | 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. 7Company-reported. "Find an insurance agent" call-to-action on the technology-services page. |
Related Pages for Simply Business vs Travelers Business Owner’s Policy
Business Owner’s Policy Pages for Simply Business and Travelers
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Other Business Owner’s Policy Provider Comparisons
Sources for Simply Business vs Travelers Business Owner’s Policy
Sources About Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. 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.
- Business Owner’s 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 Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Small Business Technology Services Insurance. 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.
Sources for the 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.
