The Hartford vs Travelers: Business Owner’s Policy

The Hartford says its BOP fits a business with a physical location or assets that could be stolen or damaged, and offers an online quote; 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

Provider coverage details

The Hartford

  • role: The Hartford's BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy, rather than requiring three separate policies. BOP product page as read 2026-09-23.company-reportedSource ↗
  • coverage: The Hartford says a BOP does not itself include workers' compensation, professional liability, commercial auto or data breach coverage, but these can be added on top of the base policy, along with off-premises utility business-income coverage. BOP product page as read 2026-09-23.company-reportedSource ↗
  • eligibility: The Hartford says a BOP fits a business that has a physical location, faces a possibility of being sued, or has assets that could be stolen or damaged, and can be customized for specific industries. BOP product page as read 2026-09-23.company-reportedSource ↗
  • limits: The Hartford reports its customers paid an average of $1,687 a year (about $141 a month) for a BOP; the page does not publish standard coverage limits or deductibles, since actual limits are set at quote or issue. Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business.company-reportedSource ↗
  • application: The Hartford offers an online quote flow for a BOP, described as customizable by adding coverages; buyers can also call a listed phone number to start a quote. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.company-reportedSource ↗
  • insurer: The BOP page does not name which Hartford property-and-casualty subsidiary would issue a given buyer's policy; the Legal Notice says coverages may be offered by one or more of several listed subsidiaries depending on product and jurisdiction. BOP page and Legal Notice as read 2026-09-23.not-disclosedSource ↗Source ↗

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 ↗

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

Most Small Businesses Versus Tech Firms Only

The Hartford's BOP is for businesses with a physical location, lawsuit exposure or assets someone could steal, and it customizes by industry. You can quote online or call. Travelers' product is limited to tech-services work such as software development, web hosting and IT consulting, and you go through an independent agent. Travelers publishes no average premium. Choose The Hartford if you're a shop, office or other non-tech business, or you want to quote online today; choose Travelers if you're a small tech-services firm that wants cyber and E&O in one policy. [3] [5]

Cyber and E&O: Included or Bolted On

The Hartford's base BOP excludes professional liability and data breach. You can add them, along with workers' compensation, commercial auto and business income for off-premises utility outages, but each adds cost. Travelers' Technology Services BOP already contains cyber liability and errors and omissions, with the Xtend Endorsement, Employment Practices Liability+ and World Business Essentials as options. For a tech firm, Travelers is the stronger bundle. If you need auto and workers' comp on one account, The Hartford lists them. [5] [3]

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

  • Ask both which company issues your policy. The Hartford says coverage may come from any of its listed subsidiaries, and Travelers shows the issuing company only on the policy. [4] [5]
  • Check that your work is on Travelers' tech-services list before you compare quotes. [5]
  • Ask Travelers whether cyber and E&O share the BOP limit, and ask The Hartford what each add-on costs. [5] [3]
  • Treat The Hartford's $1,687 average as its own book figure, not your quote. [3]
  • Get property and liability limits from both; neither page publishes them. [3] [5]

The Hartford lets most small businesses quote a BOP online and reports a $1,687 average annual premium, with professional liability and data breach as add-ons. Travelers builds cyber and E&O into its BOP, but only for listed tech occupations buying through an agent.

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

    The Hartford · What Is Business Owner's Policy Insurance?; What Is Included in a Business Owner's Policy?; Additional Coverages You Can Add; Who Needs a Business Owner's Policy?; How Much Does a BOP Cost?; BOP vs. General Liability comparison · accessed 2026-09-23

  4. 04
    Legal Notice

    The Hartford · P&C writing-company table; statement that coverages may be offered by one or more subsidiaries of The Hartford Insurance Group, Inc. · accessed 2026-09-23

  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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