Alliance Risk vs Travelers: Business Owner’s Policy

Travelers markets a Technology Services BOP to small tech-services businesses, with cyber liability and errors and omissions included, via an independent agent; Alliance Risk, a brokerage, places a BOP for retail, offices and restaurants that excludes professional liability.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-25

Small IT, software, web and data-service firms get cyber and E&O inside one Travelers Technology Services BOP, so they avoid buying separate policies. Alliance Risk fits storefronts with foot traffic, where cyber is an add-on and professional liability needs its own policy.

What Are the Key Differences Between Alliance Risk and Travelers Business Owner’s Policy?

Tech Firms Versus Storefronts

Travelers built this BOP for computer installation and repair, data processing, internet service, IT consulting and schools, software development, web development and design, and web hosting. Alliance Risk targets retail, offices, restaurants, artisan contractors, and healthcare and wellness providers with customer foot traffic. Choose Travelers if you sell technology services; choose Alliance Risk if customers walk into your space. [2] [5]

One Policy Versus Several

Travelers says its Technology Services BOP includes property, general liability, business income and extra expense, cyber liability and errors & omissions. With Alliance Risk you get GL, property and interruption; cyber is an optional endorsement, and professional liability needs a separate policy. For a tech firm, that means one renewal with Travelers instead of two or three. [5] [2]

Online Quote Versus an Agent

You can request an Alliance Risk quote online or book a consultation. Travelers sends you to an independent agent; its page offers no self-service online quote, so expect a slower start. Travelers adds optional Xtend (15 GL enhancements, including blanket waiver of subrogation), EPL+ and World Business Essentials for periodic overseas travel. [2] [5]

What Should You Confirm in Alliance Risk and Travelers Business Owner’s Policy Quotes?

  • Check that your work matches one of the technology services Travelers lists. [5]
  • Ask whether cyber and E&O sit inside the BOP (Travelers) or need separate policies (Alliance Risk excludes professional liability). [5] [2]
  • Ask which Travelers insurer issues the policy; the page says it appears on the policy. [5]
  • Ask for Xtend, EPL+ or overseas travel cover if clients require a waiver of subrogation or you travel abroad. [5]

Provider coverage details

Alliance Risk

  • role: Alliance Risk arranges BOP placements as a brokerage; the BOP page describes the bundled package it places rather than an Alliance-issued policy, and does not name an issuing insurer. BOP product page and the general brokerage disclosure on the coverage catalogue page.company-reportedSource ↗Source ↗
  • coverage: Alliance Risk's BOP bundles general liability, commercial property and business interruption coverage, with optional endorsements for cyber liability, equipment breakdown, hired and non-owned auto liability, and employment practices liability (EPLI). BOP product page; actual endorsement availability depends on the carrier and underwriting.company-reportedSource ↗
  • coverage: Alliance Risk's BOP page says the bundled package excludes professional liability claims, workers' compensation, commercial auto coverage, and flood or earthquake damage, each of which needs a separate policy. BOP product page, What Doesn't Business Owners Policy Cover? section.company-reportedSource ↗
  • eligibility: Alliance Risk targets its BOP at small and mid-sized businesses that operate from a physical location with customer foot traffic, listing retail and boutiques, offices and consultants, restaurants and food service, artisan contractors, and healthcare and wellness providers as common buyers. BOP product page, Who Needs Business Owners Policy? section.company-reportedSource ↗
  • application: You request a BOP quote through Alliance Risk's online quote form or by scheduling a consultation with a risk advisor; the page does not describe specific underwriting information required for a BOP submission. BOP product page quote call to action.company-reportedSource ↗
  • limits: Alliance Risk's BOP page gives typical annual premium ranges ($500-$1,200 for small businesses, $1,200-$2,500 for medium businesses, $100-$500 per added endorsement) but does not publish standard liability or property limits, deductibles or sublimits. BOP product page as read on 2026-09-23.not-disclosedSource ↗

Travelers

  • role: 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. Small Business Technology Services Insurance page as read on 2026-09-23.company-reportedSource ↗
  • eligibility: 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. "Who is small business technology services insurance right for?" section.company-reportedSource ↗
  • coverage: 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. BOP description on the Small Business Technology Services Insurance page.company-reportedSource ↗
  • coverage: 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. "Customize your business policy with these add-ons" section.company-reportedSource ↗
  • application: 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. "Find an insurance agent" call-to-action on the technology-services page.company-reportedSource ↗
  • insurer: 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. Page checked on 2026-09-23; no underwriting-entity footer was present on this page.not-foundSource ↗
  • limits: 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. Page checked on 2026-09-23.not-foundSource ↗

Sources and records

  1. 01
    Alliance Products

    Alliance Risk · Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries." · accessed 2026-09-23

  2. 02
    Business Owners Policy (BOP)

    Alliance Risk · What Is a Business Owners Policy?; Who Needs Business Owners Policy?; What Does Business Owners Policy Cover?; What Doesn't Business Owners Policy Cover?; How Much Does Business Owners Policy (BOP) Cost? · accessed 2026-09-23

  3. 03
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  4. 04
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

  5. 05
    Small Business Technology Services Insurance

    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

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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