Chubb vs Techinsurance: Business Owner’s Policy

Chubb underwrites its BOP for small businesses up to $30 million in revenue; TechInsurance says low-risk businesses under 100 employees and $1 million in revenue typically qualify for BOP savings, at a median $83 a month.

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

TechInsurance fits very small, low-risk businesses, typically under $1 million in revenue, and reports a median BOP premium of about $83 a month. Chubb writes its own BOP for businesses up to $30 million in revenue across more than 500 classes.

What Are the Key Differences Between Chubb and TechInsurance Business Owner’s Policy?

Where Your Revenue Puts You

TechInsurance says businesses usually qualify for BOP savings with fewer than 100 employees, a low-risk industry, under $1 million a year in revenue and a small commercial space. A two-person consultancy in a small office fits; a growing firm past $1 million may not. Chubb’s BOP runs up to $30 million in revenue, so it keeps working as you grow. Choose TechInsurance if you are under $1 million in a low-risk field and want a fast online purchase; choose Chubb if you are above that or expect to be soon. [7] [1]

Published Price and Same-Day Certificate

TechInsurance reports that its customers pay a median of $83 a month, about $990 a year, and says you can usually get a certificate the same day after an online application. Chubb publishes no typical premium; you request a quote online or through an appointed agent. You can budget with TechInsurance’s figure but must wait for a Chubb quote to compare. [7] [1]

Stated Exclusions Versus Optional Extras

TechInsurance’s BOP covers property damage, business personal property, third-party accidents, copyright infringement and defamation, theft, vandalism and product liability. It excludes employee injuries, cyberattacks, business vehicles and, without an endorsement, natural-disaster damage. Chubb lets you add privacy and data breach, EPL, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime cover, so more of those gaps can be closed on one policy. [7] [1]

What Should You Confirm in Chubb and TechInsurance Business Owner’s Policy Quotes?

  • If your revenue is between $1 million and $30 million, ask TechInsurance whether it will still quote. [7] [1]
  • Ask TechInsurance which insurer issues the policy; its page names none. [7]
  • Ask both how natural-disaster property damage is handled. [7] [1]
  • Treat the $83 median as the company’s figure, not your price. [7]

Provider coverage details

Chubb

  • role: Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. Chubb BOP product page; describes Chubb's own packaged small-business offering.company-reportedSource ↗
  • eligibility: Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting.company-reportedSource ↗
  • coverage: Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state.company-reportedSource ↗
  • limits: The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. Chubb BOP product page as read on 2026-09-23.not-foundSource ↗
  • services: Chubb markets a 'Total Account Solution' that lets a BOP holder add umbrella, workers' compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM coverage from the same carrier. Chubb BOP product page; each added line is underwritten and priced separately.company-reportedSource ↗
  • application: You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. Chubb BOP product page call-to-action sections for business owners and for agents and brokers.company-reportedSource ↗
  • claims: Chubb reports 24/7 claims reporting and a dedicated Small Commercial claims email address, and says 93% of policyholders with a paid claim from 2022-2025 were highly satisfied with their claim experience. Claims and report-a-claim pages describe claims handling across Chubb's commercial book generally, not exclusively for BOP; the satisfaction figure is a company-reported survey result.company-reportedSource ↗Source ↗

TechInsurance

  • role: 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. Business owner's policy product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a BOP. Business owner's policy product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: 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. Business owner's policy product page; general policy description, not a specific policy form.company-reportedSource ↗
  • eligibility: 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. Business owner's policy product page, Eligibility requirements for a BOP section.company-reportedSource ↗
  • limits: 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. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
  • application: 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. Business owner's policy product page.company-reportedSource ↗

Sources and records

  1. 01
    Business Owner's Policy (BOP) Insurance

    Chubb · Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM · accessed 2026-09-23

  2. 02
    Claims

    Chubb · 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey · accessed 2026-09-23

  3. 03
    Insurance for Technology Companies

    Chubb · Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses · accessed 2026-09-23

  4. 04
    Report a Claim

    Chubb · Email first-notice contacts, including Small Commercial [email protected]; phone, online and mail reporting options · accessed 2026-09-23

  5. 05
    Business Interruption and Business Owner Policy

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

  6. 06
    Small Business

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

  7. 07
    Business Owner's Policy (BOP) Insurance – Compare Quotes

    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

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

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