Amelia Risk vs Travelers: Business Owner’s Policy

Travelers markets a BOP to small technology-services businesses that includes cyber and errors and omissions cover, bought through an independent agent; Amelia Risk arranges its BOP only for startup and technology clients, bundling property, liability and hired auto.

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

Travelers' Technology Services BOP puts cyber liability and errors and omissions in the same policy as property and liability for small tech-services firms. Amelia Risk's broker-placed startup BOP includes hired and non-owned auto but leaves cyber and E&O out.

Sources and records

  1. 01
    Consumer Product Insurance

    Amelia Risk Insurance Brokers · Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead · accessed 2026-09-23

  2. 02
    Insurance For CPG Companies

    Amelia Risk Insurance Brokers · Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead · accessed 2026-09-23

  3. 03
    Insurance For Startups

    Amelia Risk Insurance Brokers · Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability · accessed 2026-09-23

  4. 04
    Insurance For Technology Companies

    Amelia Risk Insurance Brokers · Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed · accessed 2026-09-23

  5. 05
    Our Specialties

    Amelia Risk Insurance Brokers · Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides · accessed 2026-09-23

  6. 06
    Business Interruption and Business Owner Policy

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

  7. 07
    Small Business

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

  8. 08
    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

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

One Tech Policy Versus a Startup Package Plus Separate Lines

Travelers' package also carries business income and extra expense, and it names who qualifies: computer installation and repair, data processing, internet service providers, IT consultants and schools, software development, web development and design, and web hosting. Amelia Risk lists its BOP on its startup and technology pages with property, general liability and hired and non-owned auto. With Amelia Risk you'd likely buy cyber and E&O as separate policies. On bundled tech coverage, Travelers is the stronger fit. Choose Travelers if your work is on that tech-services list and you want one policy for cyber and E&O; choose Amelia Risk if you're a startup whose staff drive for work and you plan to place cyber and E&O separately. [8] [3] [4]

Endorsements for Growing Teams

Travelers offers the Xtend Endorsement, Employment Practices Liability+ and World Business Essentials, which covers periodic overseas travel. That helps if you're hiring or sending staff abroad. Amelia Risk's BOP pages describe no comparable endorsements. [8] [5]

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

  • Ask both which insurer issues the policy; neither page names the issuing company. [8] [4]
  • Check that your work type is on Travelers' tech-services list before you apply. [8]
  • Ask Amelia Risk how it would place cyber and E&O outside the BOP, and what that adds to the premium. [3]
  • Ask Travelers whether hired and non-owned auto can be added, since Amelia Risk includes it. [8] [4]
  • Get limits and deductibles on both quotes; neither page publishes them. [8] [3]

Provider coverage details

Amelia Risk

  • role: Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies.company-reportedSource ↗Source ↗
  • coverage: Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms.company-reportedSource ↗Source ↗
  • eligibility: Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment.company-reportedSource ↗Source ↗Source ↗Source ↗
  • insurer: The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review.not-disclosedSource ↗Source ↗
  • limits: Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. Startup and technology specialty pages as read on 2026-09-23.not-disclosedSource ↗Source ↗
  • services: The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. Startup, technology and specialties overview pages as read on 2026-09-23.not-foundSource ↗Source ↗Source ↗

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 ↗

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

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