--- title: "The Hartford vs Travelers Business Owner’s Policy" description: "The Hartford sells a general BOP with add-on lines and a $1,687 average premium; Travelers’ reviewed form is a Technology Services BOP that already includes cyber and E&O." canonical: "https://spot.insure/compare/the-hartford-vs-travelers/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/the-hartford-vs-travelers/business-owners-policy) # The Hartford vs Travelers Business Owner’s Policy The Hartford sells a general BOP with add-on lines and a $1,687 average premium; Travelers’ reviewed form is a Technology Services BOP that already includes cyber and E&O. ## Research Scope and Use Use this comparison to evaluate The Hartford 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 The Hartford’s BOP bundles property, general liability and business income, with workers’ compensation, professional liability, auto and data-breach cover sold as add-ons, and reports a $1,687 average annual premium. Travelers’ Technology Services BOP includes cyber and E&O in the base bundle for named tech occupations and is sold through independent agents. [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") ## What Is The Hartford? The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [1](https://www.thehartford.com/legal-notice "Legal Notice") [2](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [3](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) ## 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. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](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. [9](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 ### General Small-Business BOP Versus a Tech Form The Hartford describes a BOP for businesses with a physical location, lawsuit exposure or stealable assets, customizable by industry. Travelers limits this reviewed product to small technology-services occupations such as software development, web hosting and IT consulting. Hartford’s average of $1,687 a year is a company-reported figure for its BOP book; Travelers’ page does not publish a premium average. [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") ### Where Cyber and Professional Liability Sit Travelers puts cyber liability and errors & omissions inside the Technology Services BOP. The Hartford says the BOP itself does not include professional liability or data-breach coverage, but those can be added on top, along with workers’ compensation, commercial auto and off-premises utility business-income. Travelers’ optional add-ons are Xtend, Employment Practices Liability+ and World Business Essentials. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") ### Online Quote Versus Independent Agent The Hartford offers an online BOP quote and a listed phone number. Travelers directs buyers to an independent insurance agent and does not offer a direct self-service bind path on the reviewed page. Neither page names the specific writing company; Hartford’s Legal Notice says coverages may be offered by listed subsidiaries, and Travelers says the issuing company appears on the policy. [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.thehartford.com/legal-notice "Legal Notice") [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") ## What to Confirm in Business Owner’s Policy Quotes - Confirm you fit Travelers’ tech-services occupations before treating its BOP as an alternative to Hartford’s general form. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") - Ask whether cyber and E&O are inside the limit (Travelers’ bundle) or separate Hartford add-ons. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") - Get Xtend, EPL+ or overseas travel on the Travelers quote if you need them, and Hartford add-ons if you need auto or workers’ compensation on the same account. [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") - Ask both for the writing-company name and for property and liability limits; neither BOP page publishes those numbers. [1](https://www.thehartford.com/legal-notice "Legal Notice") [8](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") ## Offering Details | Criteria | The Hartford Business Owner's Policy (BOP) | Technology Services Business Owner's Policy | | --- | --- | --- | | 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. [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [8](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 BOP page does not name which Hartford property-and-casualty subsidiary would issue a given buyer's policy; the Legal Notice says coverages may be offered by one or more of several listed subsidiaries depending on product and jurisdiction. [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Not publicly disclosed; scope: BOP page and Legal Notice as read 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. [8](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 | 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. [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [8](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 | 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. [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [8](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..)

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. [8](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 | The Hartford reports its customers paid an average of $1,687 a year (about $141 a month) for a BOP; the page does not publish standard coverage limits or deductibles, since actual limits are set at quote or issue. [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business..) | 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. [8](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 | 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. [4](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [8](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 - [The Hartford vs Travelers](https://spot.insure/compare/the-hartford-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. - [The Hartford vs Travelers Commercial Auto Insurance](https://spot.insure/compare/the-hartford-vs-travelers/commercial-auto) - [The Hartford vs Travelers Commercial Property Insurance](https://spot.insure/compare/the-hartford-vs-travelers/commercial-property) - [The Hartford vs Travelers Crime Insurance](https://spot.insure/compare/the-hartford-vs-travelers/crime) - [The Hartford vs Travelers Cyber Insurance](https://spot.insure/compare/the-hartford-vs-travelers/cyber) - [The Hartford vs Travelers D&O Insurance](https://spot.insure/compare/the-hartford-vs-travelers/directors-officers) - [The Hartford vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/employment-practices) - [The Hartford vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/fiduciary) - [The Hartford vs Travelers General Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/general-liability) - [The Hartford vs Travelers Inland Marine Insurance](https://spot.insure/compare/the-hartford-vs-travelers/inland-marine) - [The Hartford vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/the-hartford-vs-travelers/kidnap-ransom) - [The Hartford vs Travelers Management Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/management-liability) - [The Hartford vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/the-hartford-vs-travelers/professional-errors-omissions) - [The Hartford vs Travelers Tech E&O Insurance](https://spot.insure/compare/the-hartford-vs-travelers/technology-errors-omissions) - [The Hartford vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/the-hartford-vs-travelers/workers-compensation) - [Alliance Risk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-the-hartford/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 The Hartford Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-the-hartford/business-owners-policy) - [Amelia Risk vs Travelers Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-travelers/business-owners-policy) - [Chubb vs The Hartford Business Owner’s Policy](https://spot.insure/compare/chubb-vs-the-hartford/business-owners-policy) - [Chubb vs Travelers Business Owner’s Policy](https://spot.insure/compare/chubb-vs-travelers/business-owners-policy) ## Sources ### The Hartford 1. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; P&C writing-company table; statement that coverages may be offered by one or more subsidiaries of The Hartford Insurance Group, Inc.. Accessed 2026-09-23. 2. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16. 3. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 4. [Business Owner's Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; What Is Business Owner's Policy Insurance?; What Is Included in a Business Owner's Policy?; Additional Coverages You Can Add; Who Needs a Business Owner's Policy?; How Much Does a BOP Cost?; BOP vs. General Liability comparison. Accessed 2026-09-23. ### Travelers 5. [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. 6. [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. 7. [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. 8. [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 9. [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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/the-hartford-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)