--- title: "TechInsurance Business Owner’s Policy" description: "Everything to know before buying TechInsurance Business Owner’s Policy: what it covers, who it’s for, and its limits and retentions." canonical: "https://thegeneralaverage.com/insurance-providers/techinsurance/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" provider: "techinsurance" coverage-line: "business-owners-policy" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-providers/techinsurance/business-owners-policy) ## Agent Guide **What this page is:** What TechInsurance Business Owner’s Policy covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for TechInsurance Business Owner’s Policy specifically. For the general coverage explainer use /coverage/business-owners-policy; for the provider overall use its profile. **Questions this page answers:** - Does TechInsurance Business Owner’s Policy offer this coverage? - What does TechInsurance Business Owner’s Policy cover and exclude? - Who is TechInsurance Business Owner’s Policy designed for? **Key facts:** - Provider slug `techinsurance`; coverage line `business-owners-policy`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/techinsurance) — parent: provider profile # What Does Business Owner’s Policy from TechInsurance Cover? Product: TechInsurance Business Owner's Policy (BOP). Provider: TechInsurance. Coverage line: Business Owner’s Policy. ## Quick Answer TechInsurance offers a business owner's policy that bundles general liability and commercial property insurance for small businesses, with quotes requested online. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") ## TechInsurance Business Owner’s Policy at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Not publicly disclosed | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Company-reported | 1 | | How to Apply | Company-reported | 1 | ## What Is TechInsurance’s Role in Business Owner’s Policy? - 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. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page.) ## Who Is TechInsurance Business Owner’s Policy For? - 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. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page, Eligibility requirements for a BOP section.) ## Coverage Features of TechInsurance Business Owner’s Policy - 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. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page; general policy description, not a specific policy form.) ## TechInsurance Business Owner’s Policy Limits and Retentions - 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. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.) ## How Do You Apply for TechInsurance Business Owner’s Policy? - 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. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page.) ## What We Couldn’t Find About TechInsurance Business Owner’s Policy The reviewed sources do not settle these. Confirm them with TechInsurance or a broker before relying on them. - **Issuing Insurer (Not publicly disclosed):** The reviewed page does not name the issuing insurer for a BOP. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Scope: Business owner's policy product page as read on 2026-09-23.) ## TechInsurance vs Other Business Owner’s Policy Providers - [TechInsurance vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-techinsurance) - [TechInsurance vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-techinsurance) - [TechInsurance vs biBerk](https://thegeneralaverage.com/compare/biberk-vs-techinsurance) - [TechInsurance vs Chubb](https://thegeneralaverage.com/compare/chubb-vs-techinsurance) - [TechInsurance vs CNA](https://thegeneralaverage.com/compare/cna-vs-techinsurance) - [TechInsurance vs Corgi](https://thegeneralaverage.com/compare/corgi-vs-techinsurance) ## Other Coverage Lines From TechInsurance - [TechInsurance Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/commercial-auto) - [TechInsurance Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/commercial-property) - [TechInsurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/cyber) - [TechInsurance D&O Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/directors-officers) - [TechInsurance Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/employment-practices) - [TechInsurance Fidelity Bonds](https://thegeneralaverage.com/insurance-providers/techinsurance/fidelity-bonds) - [TechInsurance General Liability Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/general-liability) - [TechInsurance Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/inland-marine) - [TechInsurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/professional-errors-omissions) - [TechInsurance Surety Bonds](https://thegeneralaverage.com/insurance-providers/techinsurance/surety-bonds) - [TechInsurance Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/technology-errors-omissions) - [TechInsurance Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/umbrella-excess) - [TechInsurance Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/workers-compensation) ## Rankings That Include TechInsurance - [Best Business Owner’s Policy for Small Businesses](https://thegeneralaverage.com/best/business-owners-policy/small-businesses) ## Related Reading - [TechInsurance Profile](https://thegeneralaverage.com/insurance-providers/techinsurance) - [TechInsurance Reliability](https://thegeneralaverage.com/insurance-providers/techinsurance/reliability) - [TechInsurance Alternatives](https://thegeneralaverage.com/insurance-providers/techinsurance/alternatives) - [Coverage Guide: Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) ## Sources for TechInsurance Business Owner’s Policy 1. [Business Owner's Policy (BOP) Insurance – Compare Quotes](https://www.techinsurance.com/business-owners-policy). 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. ## How to Cite This Page TechInsurance Business Owner’s Policy: Coverage, Eligibility, Limits & More (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/techinsurance/business-owners-policy. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-providers/techinsurance/business-owners-policy.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)