--- title: "TechInsurance Business Owner’s Policy" description: "What TechInsurance Business Owner’s Policy covers, who it’s for, and its limits and retentions, cited to TechInsurance’s own published sources." canonical: "https://spot.insure/insurance-providers/techinsurance/business-owners-policy" page-type: "offering-page" 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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/techinsurance/business-owners-policy) # TechInsurance Business Owner’s Policy TechInsurance Business Owner's Policy (BOP) 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.) ## Issuing Insurer - **Not publicly disclosed.** The reviewed page does not name the issuing insurer for a BOP. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Scope: Business owner's policy product page as read on 2026-09-23.) ## 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.) ## 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.) ## 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. [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 cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.) ## 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.) ## TechInsurance Business Owner’s Policy Compared - [TechInsurance vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-techinsurance/business-owners-policy) - [TechInsurance vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-techinsurance/business-owners-policy) - [TechInsurance vs Chubb](https://spot.insure/compare/chubb-vs-techinsurance/business-owners-policy) - [TechInsurance vs Corgi](https://spot.insure/compare/corgi-vs-techinsurance/business-owners-policy) - [TechInsurance vs Coterie Insurance](https://spot.insure/compare/coterie-vs-techinsurance/business-owners-policy) - [TechInsurance vs Coverdash](https://spot.insure/compare/coverdash-vs-techinsurance/business-owners-policy) ## Other TechInsurance Coverage Lines - [TechInsurance Commercial Auto Insurance](https://spot.insure/insurance-providers/techinsurance/commercial-auto) - [TechInsurance Commercial Property Insurance](https://spot.insure/insurance-providers/techinsurance/commercial-property) - [TechInsurance Cyber Insurance](https://spot.insure/insurance-providers/techinsurance/cyber) - [TechInsurance D&O Insurance](https://spot.insure/insurance-providers/techinsurance/directors-officers) - [TechInsurance Employment Practices Liability Insurance](https://spot.insure/insurance-providers/techinsurance/employment-practices) - [TechInsurance Fidelity Bonds](https://spot.insure/insurance-providers/techinsurance/fidelity-bonds) - [TechInsurance General Liability Insurance](https://spot.insure/insurance-providers/techinsurance/general-liability) - [TechInsurance Inland Marine Insurance](https://spot.insure/insurance-providers/techinsurance/inland-marine) - [TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/techinsurance/professional-errors-omissions) - [TechInsurance Tech E&O Insurance](https://spot.insure/insurance-providers/techinsurance/technology-errors-omissions) - [TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/techinsurance/umbrella-excess) - [TechInsurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/techinsurance/workers-compensation) ## Related - [TechInsurance Profile](https://spot.insure/insurance-providers/techinsurance) - [TechInsurance Reliability](https://spot.insure/insurance-providers/techinsurance/reliability) - [TechInsurance Alternatives](https://spot.insure/insurance-providers/techinsurance/alternatives) - [Coverage Guide: Business owner’s policy](https://spot.insure/coverage/business-owners-policy) ## Sources 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/techinsurance/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)