What Does Business Owner’s Policy from The Hartford Cover?

What Is The Hartford’s Role in Business Owner’s Policy?

• 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. ¹

  Company-reported.BOP product page as read 2026-09-23.

Who Issues The Hartford Business Owner’s Policy?

• 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. ^1,2

  Not publicly disclosed.BOP page and Legal Notice as read 2026-09-23.

Who Is The Hartford Business Owner’s Policy For?

• 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. ¹

  Company-reported.BOP product page as read 2026-09-23.

Coverage Features of The Hartford Business Owner’s Policy

• 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. ¹

  Company-reported.BOP product page as read 2026-09-23.

The Hartford Business Owner’s Policy Limits and Retentions

• 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. ¹

  Company-reported.Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business.

How Do You Apply for The Hartford Business Owner’s Policy?

• 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. ¹

  Company-reported.BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.

The Hartford Business Owner’s Policy Compared With Other Providers

• vs

  The Hartford vs Alliance Risk

• vs

  The Hartford vs Amelia Risk

• vs

  The Hartford vs biBerk

• vs

  The Hartford vs Chubb

• vs

  The Hartford vs CNA

• vs

  The Hartford vs Corgi

Other Coverage Lines Documented for The Hartford

• The Hartford Commercial Auto Insurance

• The Hartford Commercial Property Insurance

• The Hartford Crime Insurance

• The Hartford Cyber Insurance

• The Hartford D&O Insurance

• The Hartford Employment Practices Liability Insurance

• The Hartford Fiduciary Liability Insurance

• The Hartford General Liability Insurance

• The Hartford Hired and Non-Owned Auto Insurance

• The Hartford Inland Marine Insurance

• The Hartford Kidnap and Ransom Insurance

• The Hartford Management Liability Insurance

• The Hartford Professional Liability (E&O) Insurance

• The Hartford Tech E&O Insurance

• The Hartford Umbrella and Excess Liability Insurance

• The Hartford Workers’ Compensation Insurance

Sources for The Hartford Business Owner’s Policy

1. 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.
2. 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.