Techinsurance vs Travelers: Business Owner’s Policy

With TechInsurance the median BOP cost is $83 a month, reported by the company, and you use a single online application, while Travelers' BOP targets small technology-services businesses and its page directs buyers to an independent agent.

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 TechInsurance and Travelers Business Owner’s Policy?

Whether Your Tech Risks Are Covered

If you sell software or IT services, a client claim over a bug or a breach is your biggest exposure. Travelers names the occupations it built for: computer installation and repair, data processing, internet service providers, IT consultants and training schools, software and web development, and web hosting. TechInsurance's BOP is general liability plus commercial property, with product liability, copyright and defamation mentioned, and it lists cyberattacks as excluded. Choose Travelers if you're an IT or software business that wants cyber and errors and omissions in one policy; choose TechInsurance if you're a small, low-risk firm in a small office that already has separate cyber cover or doesn't need it. [4] [3]

Price and Speed Versus Agent Extras

TechInsurance reports a median premium of $83 a month, takes quote requests online and typically issues a certificate the same day. Travelers publishes no price and works through independent agents, who can add its Xtend, EPL+ (employment practices) and World Business Essentials options. [3] [4]

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

  • Ask the Travelers agent for the cyber and errors and omissions sublimits. [4]
  • Check your headcount and revenue against TechInsurance's screen before relying on its median price. [3]
  • Ask the Travelers agent whether Xtend waives subrogation if your client contracts require it. [4]
  • Ask TechInsurance which insurer backs its BOP, and ask the Travelers agent which Travelers company issues yours. [3] [4]

Travelers is the stronger BOP for a tech company: its Technology Services BOP includes cyber liability and errors and omissions, sold through an independent agent. TechInsurance is the quick option for firms under 100 employees and $1 million in revenue, but its BOP excludes cyberattacks.

Sources and records

  1. 01
    Business Interruption and Business Owner Policy

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

  2. 02
    Small Business

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

  3. 03
    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

  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

Provider coverage details

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 ↗

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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