--- title: "Simply Business vs Travelers: Business Owner’s Policy" description: "Travelers’ documented BOP is designed for technology-services firms and includes property, liability, business income, extra expense, cyber, and errors-and-omissions protection." canonical: "https://spot.insure/compare/simply-business-vs-travelers/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "simply-business-vs-travelers" provider-a: "simply-business" provider-b: "travelers" 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-travelers/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of Simply Business 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 Simply Business versus Travelers. 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 Travelers for Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, Simply Business or Travelers? - What does Simply Business or Travelers 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 Travelers? **Key facts:** - Line: Business Owner’s Policy. Providers: Simply Business and Travelers. - 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 Travelers](https://spot.insure/compare/simply-business-vs-travelers) — 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) - [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile (evidence) - [Simply Business vs Travelers Commercial Property Insurance](https://spot.insure/compare/simply-business-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line) - [Simply Business vs Travelers Cyber Insurance](https://spot.insure/compare/simply-business-vs-travelers/cyber) — sibling comparison (other line, or other pair for this line) - [Simply Business vs Travelers General Liability Insurance](https://spot.insure/compare/simply-business-vs-travelers/general-liability) — sibling comparison (other line, or other pair for this line) - [Simply Business vs Travelers Inland Marine Insurance](https://spot.insure/compare/simply-business-vs-travelers/inland-marine) — sibling comparison (other line, or other pair for this line) - [Simply Business vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/simply-business-vs-travelers/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Simply Business vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/simply-business-vs-travelers/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 Travelers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-travelers/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 Travelers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-travelers/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 Travelers Business Owner’s Policy](https://spot.insure/compare/biberk-vs-travelers/business-owners-policy) — sibling comparison (other line, or other pair for this line) # 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. ## How to Use the Simply Business vs Travelers Business Owner’s Policy Comparison Use this comparison to evaluate Simply Business and Travelers 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 Travelers Business Owner’s Policy Summary 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](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") ## 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 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [5](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## 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 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ### 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ## 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](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") - Ask Travelers to identify the issuing insurer and show the exact limits, covered causes, and any endorsements or exclusions on the proposed policy. [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") ## Simply Business vs Travelers Business Owner’s Policy Compared | 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. [7](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..) | | 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. [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Not found in reviewed sources; scope: 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. [7](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..) | | 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..) | 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. [7](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..)

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. [7](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..) | | 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. [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Not found in reviewed sources; scope: 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](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..) | 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. [7](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..) | ## Related Pages for Simply Business vs Travelers Business Owner’s Policy - [Simply Business vs Travelers](https://spot.insure/compare/simply-business-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. - [Simply Business vs Travelers Commercial Property Insurance](https://spot.insure/compare/simply-business-vs-travelers/commercial-property) - [Simply Business vs Travelers Cyber Insurance](https://spot.insure/compare/simply-business-vs-travelers/cyber) - [Simply Business vs Travelers General Liability Insurance](https://spot.insure/compare/simply-business-vs-travelers/general-liability) - [Simply Business vs Travelers Inland Marine Insurance](https://spot.insure/compare/simply-business-vs-travelers/inland-marine) - [Simply Business vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/simply-business-vs-travelers/professional-errors-omissions) - [Simply Business vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/simply-business-vs-travelers/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 Travelers Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-travelers/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 Travelers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-travelers/business-owners-policy) - [biBerk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/biberk-vs-simply-business/business-owners-policy) - [biBerk vs Travelers Business Owner’s Policy](https://spot.insure/compare/biberk-vs-travelers/business-owners-policy) ## Sources for Simply Business vs Travelers 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 Travelers 4. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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. 5. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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. 6. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 7. [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. ### 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). ## Travelers Review Scores for 2026 Review Score: 4.8 / 10 from 3 rated sources, equally weighted. 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. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 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 Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/travelers/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/simply-business-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)