Hub International vs Travelers: Business Owner’s Policy

HUB International brokers a BOP and has an advisor tailor it; Travelers' BOP targets small technology-services businesses, and its page directs buyers to an independent agent to tailor and buy it.

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

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

Whether Your Business Is a Tech-Services Firm

Travelers limits this BOP to named technology-services occupations. HUB places BOPs for small and mid-size businesses generally and covers buildings, equipment, stock, furniture and fixtures plus liability for injuries and property damage. You'll go through a person either way: an independent agent for Travelers, a HUB advisor for HUB. Choose Travelers if you sell tech services and want cyber and E&O on one policy; choose HUB if you run a shop, office or trade outside tech. [4] [1]

Cyber and E&O Built In or Left Out

Travelers' tech BOP includes business income and extra expense, cyber liability, and errors and omissions, with Xtend, EPL+ and World Business Essentials available as add-ons. HUB's advisor fine-tunes options for your line of business, but its page doesn't list cyber or E&O, so a tech firm using HUB should expect to buy those separately. [4] [1]

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

  • Check that Travelers classes your business as a listed technology service. [4]
  • Ask HUB which insurer issues the BOP it places for you, and ask your agent which Travelers company issues the Travelers policy. [1] [4]
  • Ask HUB whether cyber and E&O can be added and what they cost. [1]
  • Ask which Travelers add-ons and which HUB trade-specific options are on each quote. [4] [1]

Provider coverage details

HUB International

  • role: HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. BOP product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • services: HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.company-reportedSource ↗
  • insurer: The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.not-disclosedSource ↗
  • application: HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. Product-page call to action as read 2026-09-23.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 ↗

A small IT, software or web firm gets more from Travelers, whose Technology Services BOP includes cyber and errors and omissions. HUB suits small and mid-size businesses outside tech, with an advisor who tailors a property-and-liability BOP to your trade.

Sources and records

  1. 01
    Business Owners Policy (BOP) Company Coverage

    HUB International · BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker · accessed 2026-09-23

  2. 02
    Business Interruption and Business Owner Policy

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

  3. 03
    Small Business

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

  4. 04
    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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