TechInsurance vs 
Travelers: How Do They Compare for Business Owner’s Policy?
With TechInsurance the median BOP cost is $83 a month, reported by the company, and you use a single online application, while Travelers' BOP targets small technology-services businesses and its page directs buyers to an independent agent.
Travelers is the stronger BOP for a tech company: its Technology Services BOP includes cyber liability and errors and omissions, sold through an independent agent. TechInsurance is the quick option for firms under 100 employees and $1 million in revenue, but its BOP excludes cyberattacks. 2,1
What Are the Key Differences Between TechInsurance and Travelers Business Owner’s Policy?
Whether Your Tech Risks Are Covered
If you sell software or IT services, a client claim over a bug or a breach is your biggest exposure. Travelers names the occupations it built for: computer installation and repair, data processing, internet service providers, IT consultants and training schools, software and web development, and web hosting. TechInsurance's BOP is general liability plus commercial property, with product liability, copyright and defamation mentioned, and it lists cyberattacks as excluded. Choose Travelers if you're an IT or software business that wants cyber and errors and omissions in one policy; choose TechInsurance if you're a small, low-risk firm in a small office that already has separate cyber cover or doesn't need it. 2 1
Price and Speed Versus Agent Extras
TechInsurance reports a median premium of $83 a month, takes quote requests online and typically issues a certificate the same day. Travelers publishes no price and works through independent agents, who can add its Xtend, EPL+ (employment practices) and World Business Essentials options. 1 2
What Should You Confirm in TechInsurance and Travelers Business Owner’s Policy Quotes?
- Ask the Travelers agent for the cyber and errors and omissions sublimits. 2
- Check your headcount and revenue against TechInsurance's screen before relying on its median price. 1
- Ask the Travelers agent whether Xtend waives subrogation if your client contracts require it. 2
- Ask TechInsurance which insurer backs its BOP, and ask the Travelers agent which Travelers company issues yours. 1 2
TechInsurance vs Travelers Business Owner’s Policy Compared
TechInsurance vs Travelers: Business Owner’s Policy: documented features by provider
| Criteria | TechInsurance Business Owner's Policy (BOP) | Technology Services Business Owner's Policy |
|---|---|---|
| Who It’s For | 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. 1Company-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. 2Company-reported. "Who is small business technology services insurance right for?" section. |
| How to Apply | 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. 1Company-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. 2Company-reported. "Find an insurance agent" call-to-action on the technology-services page. |
| Coverage Features | 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. 1Company-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. 2Company-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. 2Company-reported. "Customize your business policy with these add-ons" section. |
| Role in This Line | 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. 1Company-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. 2Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23. |
