Gallagher vs Travelers: Business Owner’s Policy

Travelers' BOP is built for small technology-services firms and bundles in cyber and errors and omissions cover; Gallagher arranges a BOP with partner carriers for almost any small business with a workspace and lists exclusions like malpractice.

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

For a small IT, software or web firm, Travelers' Technology Services BOP is the stronger buy because cyber and errors and omissions come in the same policy. Gallagher's BOP suits any small business with a workspace or equipment, but it excludes data-protection failures.

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

Tech Firms Versus Everyone Else

Travelers sells this BOP only to technology-services businesses: computer installation and repair, data processing, internet providers, IT consultants and schools, software and web development, and web hosting. Gallagher Small Business places a general BOP with a partner insurer for any small business that rents a space or owns equipment. Choose Travelers if you're on that tech list; choose Gallagher if you're not, or if you want to start online or by phone rather than through an agent. [5] [1]

Whether a Data Breach Is Covered

Travelers' tech BOP includes property, general liability, business income and extra expense, cyber liability, and errors and omissions in one policy. Gallagher's BOP covers general liability plus your space and equipment, and lists failure to protect sensitive information among what it doesn't cover. It doesn't mention E&O either, so plan on buying breach and professional cover separately. [5] [1]

Extras and Who You Buy From

Travelers offers Xtend, EPL+ and World Business Essentials add-ons, sold through an independent agent. Gallagher lets you start online, by phone or with a callback, and its page shows no comparable add-ons. [5] [1]

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

  • Check that Travelers classes your business as one of its listed technology services. [5]
  • Ask Gallagher which insurer issues the BOP. [1]
  • If you hold client data, price cyber and E&O alongside Gallagher's BOP before comparing it with Travelers. [5] [1]
  • Ask which Travelers add-ons are on your quote. [5]

Provider coverage details

Gallagher

  • role: Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. Gallagher Small Business's direct-to-small-business BOP product page.company-reportedSource ↗
  • coverage: Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. Product page coverage overview; the issued policy and its exclusions control.company-reportedSource ↗
  • coverage: Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.company-reportedSource ↗
  • eligibility: Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting.company-reportedSource ↗
  • insurer: The BOP product page does not name the insurer that would issue a given business's policy. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.not-disclosedSource ↗
  • limits: The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. Checked the BOP product page on 2026-09-23.not-disclosedSource ↗
  • application: Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. Product page "Get Covered Now" section.company-reportedSource ↗

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
    Business Owners Policy

    Gallagher Small Business · Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now · accessed 2026-09-23

  2. 02
    Connect With an Advisor

    Gallagher Small Business · Form fields from company name through annual revenue; acknowledgment · accessed 2026-09-16

  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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