TechInsurance vs Travelers Business Owner’s Policy

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. ³Company-reported. Business owner's policy product page.

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.

The reviewed page does not name the issuing insurer for a BOP. ³Not publicly disclosed. Business owner's policy product page as read on 2026-09-23.

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.

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. ³Company-reported. Business owner's policy product page, Eligibility requirements for a BOP section.

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.

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. ³Company-reported. Business owner's policy product page; general policy description, not a specific policy form.

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.

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. ³Company-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.

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.

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. ³Company-reported. Business owner's policy product page.

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.