---
title: "TechInsurance vs Travelers Business Owner’s Policy"
description: "TechInsurance’s BOP is a discounted GL-and-property bundle with a sub-$1 million revenue screen; Travelers’ reviewed form is a tech-services BOP with cyber and E&O included."
canonical: "https://spot.insure/compare/techinsurance-vs-travelers/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/techinsurance-vs-travelers/business-owners-policy)

# TechInsurance vs Travelers Business Owner’s Policy

TechInsurance’s BOP is a discounted GL-and-property bundle with a sub-$1 million revenue screen; Travelers’ reviewed form is a tech-services BOP with cyber and E&O included.

## Research Scope and Use

Use this comparison to evaluate TechInsurance 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.

## Summary

TechInsurance describes a BOP as discounted general liability plus commercial property, typically for businesses under 100 employees and $1 million in revenue. Travelers’ Technology Services BOP also bundles cyber liability and errors & omissions for named tech occupations and is purchased through an independent agent. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [1](https://www.techinsurance.com/about-us "About TechInsurance") [2](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [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 business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [8](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Who Each Product Is For

TechInsurance’s typical-savings screen is fewer than 100 employees, a low-risk industry, under $1 million yearly revenue and a small commercial space. Travelers names computer installation and repair, data processing, ISPs, IT consultants and schools, software and web development, and web hosting—without those revenue or headcount figures. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

### Cyber and E&O: Included or Excluded

Travelers says cyber liability and errors & omissions sit inside the Technology Services BOP. TechInsurance lists cyberattacks among BOP exclusions and describes the product as general liability plus commercial property, with product liability, copyright and defamation also mentioned. That inclusion-versus-exclusion gap is the coverage difference that matters if you sell software or IT services. [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")

### Same-Day Online Buy Versus Agent Placement

TechInsurance says you request quotes online, agents can add endorsements, a certificate is typically available the same day, and it reports a median of $83 a month. Travelers sends you to an independent agent, offers Xtend, EPL+ and World Business Essentials, and does not publish a premium median or a self-service bind path. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## What to Confirm in Business Owner’s Policy Quotes

- If you need cyber and E&O on the same form, ask Travelers for sublimits; TechInsurance’s BOP page treats cyber as outside the policy. [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")
- Check TechInsurance’s revenue and employee screen against your books. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")
- Ask the Travelers agent about Xtend’s waiver of subrogation if contracts require it. [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Get issuing-insurer names; neither reviewed page names one. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [7](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## Offering Details

| Criteria | TechInsurance Business Owner's Policy (BOP) | Technology Services Business Owner's Policy |
| --- | --- | --- |
| 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. [3](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..) | 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 | The reviewed page does not name the issuing insurer for a BOP. [3](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..) | 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 | 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. [3](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..) | 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 | 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. [3](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..) | 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..)<br><br>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 | 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. [3](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..) | 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 | 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. [3](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..) | 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..) |

## Full Comparison

- [TechInsurance vs Travelers](https://spot.insure/compare/techinsurance-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 owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [TechInsurance vs Travelers Commercial Auto Insurance](https://spot.insure/compare/techinsurance-vs-travelers/commercial-auto)
- [TechInsurance vs Travelers Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-travelers/commercial-property)
- [TechInsurance vs Travelers Cyber Insurance](https://spot.insure/compare/techinsurance-vs-travelers/cyber)
- [TechInsurance vs Travelers D&O Insurance](https://spot.insure/compare/techinsurance-vs-travelers/directors-officers)
- [TechInsurance vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/techinsurance-vs-travelers/employment-practices)
- [TechInsurance vs Travelers Fidelity Bonds](https://spot.insure/compare/techinsurance-vs-travelers/fidelity-bonds)
- [TechInsurance vs Travelers General Liability Insurance](https://spot.insure/compare/techinsurance-vs-travelers/general-liability)
- [TechInsurance vs Travelers Inland Marine Insurance](https://spot.insure/compare/techinsurance-vs-travelers/inland-marine)
- [TechInsurance vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-travelers/professional-errors-omissions)
- [TechInsurance vs Travelers Tech E&O Insurance](https://spot.insure/compare/techinsurance-vs-travelers/technology-errors-omissions)
- [TechInsurance vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/techinsurance-vs-travelers/umbrella-excess)
- [TechInsurance vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/techinsurance-vs-travelers/workers-compensation)
- [Alliance Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-techinsurance/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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-techinsurance/business-owners-policy)
- [Amelia Risk vs Travelers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-travelers/business-owners-policy)
- [Chubb vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-techinsurance/business-owners-policy)
- [Chubb vs Travelers Business Owner’s Policy](https://spot.insure/compare/chubb-vs-travelers/business-owners-policy)

## Sources

### TechInsurance

1. [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.
2. [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.
3. [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.

### 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.

### Business Owner’s Policy Guide

8. [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 2026-09-23. 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.

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