Liberty Mutual vs Techinsurance: Business Owner’s Policy

Liberty Mutual refers small-business buyers to independent agents; TechInsurance reports a median BOP cost of $83 a month and offers a single online application.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-10-01

Provider coverage details

Liberty Mutual

  • role: Liberty Mutual markets a small-business BOP through its retail business channel. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The page describes a BOP combining commercial property and general liability, with optional cyber or professional-liability additions; it distinguishes separate policies such as auto and workers’ compensation. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The page positions the product for small businesses and refers buyers to independent agents; it is not evidence of a mid-market BOP or universal availability. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: Liberty Mutual directs small-business buyers to independent-agent distribution for this BOP. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

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 ↗

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

Published BOP Screening Criteria

TechInsurance gives a concrete preliminary screen: fewer than 100 employees, low-risk industry, annual revenue below $1 million, and a small commercial space. Liberty Mutual describes its BOP for small businesses and refers buyers to independent agents. If your company is close to one of TechInsurance’s criteria, ask how it applies to your industry and ask Liberty Mutual’s independent agent to assess the same operations and location. [4] [1]

Package Components and Stated Gaps

TechInsurance describes a general-liability and commercial-property bundle, with its page also listing employee injuries and cyberattacks among exclusions. Liberty Mutual describes property and general liability and identifies cyber or professional liability as optional additions. For a technology-dependent business, compare the actual cyber wording and how each proposal handles employee injury rather than assuming the BOP label settles those details. [4] [1]

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

  • Ask TechInsurance how it applies the four stated screening criteria to your staff, revenue, industry, and premises. [4]
  • Ask Liberty Mutual’s agent which cyber or professional-liability additions are proposed and where their limits and exclusions appear. [1]
  • Compare the property and liability forms, employee-injury treatment, and cyber wording in the actual proposals. [4] [1]

TechInsurance says typical BOP candidates have fewer than 100 employees and under $1 million in yearly revenue; Liberty Mutual describes property and general liability with optional cyber or professional-liability additions.

Sources and records

  1. 01
    Business owner's policy insurance

    Liberty Mutual · Opened September 29, 2026. Lines 21–45 describe a small-business BOP combining property and general liability, common coverages, and optional cyber/professional-liability supplements. Lines 53–55 identify independent-agent distribution; lines 113–121 distinguish standalone GL, BOP, commercial package policy and separate commercial auto, workers compensation, farm, and inland marine risks. This is the small-business retail offer, not a mid-market form or issuer-level disclosure. · accessed 2026-09-29

  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
    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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