The Hartford vs 
Travelers: How Do They Compare for Business Owner’s Policy?
The Hartford says its BOP fits a business with a physical location or assets that could be stolen or damaged, and offers an online quote; Travelers' BOP targets small technology-services businesses, and its page directs buyers to an independent agent.
The Hartford lets most small businesses quote a BOP online and reports a $1,687 average annual premium, with professional liability and data breach as add-ons. Travelers builds cyber and E&O into its BOP, but only for listed tech occupations buying through an agent. 1,3
What Are the Key Differences Between The Hartford and Travelers Business Owner’s Policy?
Most Small Businesses Versus Tech Firms Only
The Hartford's BOP is for businesses with a physical location, lawsuit exposure or assets someone could steal, and it customizes by industry. You can quote online or call. Travelers' product is limited to tech-services work such as software development, web hosting and IT consulting, and you go through an independent agent. Travelers publishes no average premium. Choose The Hartford if you're a shop, office or other non-tech business, or you want to quote online today; choose Travelers if you're a small tech-services firm that wants cyber and E&O in one policy. 1 3
Cyber and E&O: Included or Bolted On
The Hartford's base BOP excludes professional liability and data breach. You can add them, along with workers' compensation, commercial auto and business income for off-premises utility outages, but each adds cost. Travelers' Technology Services BOP already contains cyber liability and errors and omissions, with the Xtend Endorsement, Employment Practices Liability+ and World Business Essentials as options. For a tech firm, Travelers is the stronger bundle. If you need auto and workers' comp on one account, The Hartford lists them. 3 1
What Should You Confirm in The Hartford and Travelers Business Owner’s Policy Quotes?
- Ask both which company issues your policy. The Hartford says coverage may come from any of its listed subsidiaries, and Travelers shows the issuing company only on the policy. 2 3
- Check that your work is on Travelers' tech-services list before you compare quotes. 3
- Ask Travelers whether cyber and E&O share the BOP limit, and ask The Hartford what each add-on costs. 3 1
- Treat The Hartford's $1,687 average as its own book figure, not your quote. 1
- Get property and liability limits from both; neither page publishes them. 1 3
The Hartford vs Travelers Business Owner’s Policy Compared
The Hartford vs Travelers: Business Owner’s Policy: documented features by provider
| Criteria | The Hartford Business Owner's Policy (BOP) | Technology Services Business Owner's Policy |
|---|---|---|
| Who It’s For | The Hartford says a BOP fits a business that has a physical location, faces a possibility of being sued, or has assets that could be stolen or damaged, and can be customized for specific industries. 1Company-reported. BOP product page as read 2026-09-23. | 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. 3Company-reported. "Who is small business technology services insurance right for?" section. |
| How to Apply | The Hartford offers an online quote flow for a BOP, described as customizable by adding coverages; buyers can also call a listed phone number to start a quote. 1Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase. | 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. 3Company-reported. "Find an insurance agent" call-to-action on the technology-services page. |
| Coverage Features | The Hartford says a BOP does not itself include workers' compensation, professional liability, commercial auto or data breach coverage, but these can be added on top of the base policy, along with off-premises utility business-income coverage. 1Company-reported. BOP product page as read 2026-09-23. | 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. 3Company-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. 3Company-reported. "Customize your business policy with these add-ons" section. |
| Role in This Line | The Hartford's BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy, rather than requiring three separate policies. 1Company-reported. BOP product page as read 2026-09-23. | 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. 3Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23. |
