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

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

## Agent Guide

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

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

**Key facts:**
- Line: Business Owner’s Policy. Providers: The Hartford 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:**
- [The Hartford vs Travelers](https://spot.insure/compare/the-hartford-vs-travelers) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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 sells a general BOP online with a $1,687 average premium and optional add-ons, while Travelers sells tech-services firms a BOP with cyber and E&O built in through independent agents.

## The Hartford vs Travelers Business Owner’s Policy Summary

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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [3](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [3](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

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

## 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](https://www.thehartford.com/legal-notice "Legal Notice") [3](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Check that your work is on Travelers' tech-services list before you compare quotes. [3](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")
- Ask Travelers whether cyber and E&O share the BOP limit, and ask The Hartford what each add-on costs. [3](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [1](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Treat The Hartford's $1,687 average as its own book figure, not your quote. [1](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Get property and liability limits from both; neither page publishes them. [1](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [3](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance")

## The Hartford vs Travelers Business Owner’s Policy Compared

| 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. [1](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. [3](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 | 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. [1](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. [3](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 | 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. [1](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. [3](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. [3](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 | 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. [1](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. [3](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 The Hartford and Travelers and Business Owner’s Policy

- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/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 The Hartford vs Travelers Business Owner’s Policy

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

## Sources for The Hartford vs Travelers Business Owner’s Policy

### Sources About The Hartford

1. [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.
2. [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.

### Sources About Travelers

3. [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.

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