---
title: "TechInsurance vs Travelers: Business Owner’s Policy"
description: "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."
canonical: "https://spot.insure/compare/techinsurance-vs-travelers/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "techinsurance-vs-travelers"
provider-a: "techinsurance"
provider-b: "travelers"
coverage-line: "business-owners-policy"
---

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

## Agent Guide

**What this page is:** Focused comparison of TechInsurance 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 TechInsurance versus Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- TechInsurance vs Travelers for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, TechInsurance or Travelers?
- What does TechInsurance or Travelers publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Business Owner’s Policy. Providers: TechInsurance and Travelers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [TechInsurance vs Travelers](https://spot.insure/compare/techinsurance-vs-travelers) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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' Technology Services BOP includes cyber liability and errors and omissions for IT and software firms, while TechInsurance sells a general liability and property BOP online, with an $83 median monthly premium, that excludes cyberattacks.

## TechInsurance vs Travelers Business Owner’s Policy Summary

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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")

## 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")

### 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](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## 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](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Check your headcount and revenue against TechInsurance's screen before relying on its median price. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")
- Ask the Travelers agent whether Xtend waives subrogation if your client contracts require it. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Ask TechInsurance which insurer backs its BOP, and ask the Travelers agent which Travelers company issues yours. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## TechInsurance vs Travelers Business Owner’s Policy Compared

| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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. [2](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..) |
| 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. [1](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. [2](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..) |

## About TechInsurance and Travelers and Business Owner’s Policy

- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews)
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy)

## Related Pages for TechInsurance vs Travelers Business Owner’s Policy

- [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 owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [TechInsurance Business Owner’s Policy](https://spot.insure/insurance-providers/techinsurance/business-owners-policy)
- [Travelers Business Owner’s Policy](https://spot.insure/insurance-providers/travelers/business-owners-policy)

## Sources for TechInsurance vs Travelers Business Owner’s Policy

### Sources About TechInsurance

1. [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.

### Sources About Travelers

2. [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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/techinsurance-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)