--- title: "The Hartford Business Owner’s Policy" description: "Everything to know before buying The Hartford Business Owner’s Policy: what it covers, who it’s for, and its limits and retentions." canonical: "https://thegeneralaverage.com/insurance-providers/the-hartford/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" provider: "the-hartford" 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/the-hartford/business-owners-policy) ## Agent Guide **What this page is:** What The Hartford 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 The Hartford 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 The Hartford Business Owner’s Policy offer this coverage? - What does The Hartford Business Owner’s Policy cover and exclude? - Who is The Hartford Business Owner’s Policy designed for? **Key facts:** - Provider slug `the-hartford`; 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/the-hartford) — parent: provider profile # What Does Business Owner’s Policy from The Hartford Cover? Product: The Hartford Business Owner's Policy (BOP). Provider: The Hartford. Coverage line: Business Owner’s Policy. ## Quick Answer The Hartford sells a business owner's policy that bundles commercial property, general liability and business income coverage into one policy, with online quotes. [1](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") ## The Hartford 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 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: BOP product page 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.) ## Not Disclosed or Not Found for The Hartford Business Owner’s Policy The reviewed sources do not settle these. Confirm them with The Hartford or a broker before relying on them. - **Issuing Insurer (Not publicly disclosed):** 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [2](https://www.thehartford.com/legal-notice "Legal Notice") (Scope: BOP page and Legal Notice as read 2026-09-23.) ## The Hartford Business Owner’s Policy Compared With Other Providers - [The Hartford vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-the-hartford) - [The Hartford vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-the-hartford) - [The Hartford vs biBerk](https://thegeneralaverage.com/compare/biberk-vs-the-hartford) - [The Hartford vs Chubb](https://thegeneralaverage.com/compare/chubb-vs-the-hartford) - [The Hartford vs CNA](https://thegeneralaverage.com/compare/cna-vs-the-hartford) - [The Hartford vs Corgi](https://thegeneralaverage.com/compare/corgi-vs-the-hartford) ## Other Coverage Lines Documented for The Hartford - [The Hartford Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-auto) - [The Hartford Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-property) - [The Hartford Crime Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/crime) - [The Hartford Cyber Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/cyber) - [The Hartford D&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/directors-officers) - [The Hartford Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/employment-practices) - [The Hartford Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/fiduciary) - [The Hartford General Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/general-liability) - [The Hartford Hired and Non-Owned Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/hired-non-owned-auto) - [The Hartford Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/inland-marine) - [The Hartford Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/kidnap-ransom) - [The Hartford Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/management-liability) - [The Hartford Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions) - [The Hartford Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/technology-errors-omissions) - [The Hartford Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/umbrella-excess) - [The Hartford Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/workers-compensation) ## Related Pages for The Hartford Business Owner’s Policy - [The Hartford Profile](https://thegeneralaverage.com/insurance-providers/the-hartford) - [The Hartford Reliability](https://thegeneralaverage.com/insurance-providers/the-hartford/reliability) - [The Hartford Alternatives](https://thegeneralaverage.com/insurance-providers/the-hartford/alternatives) - [Coverage Guide: Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) ## Sources for The Hartford Business Owner’s Policy 1. [Business Owner's Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). 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](https://www.thehartford.com/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. ## How to Cite The Hartford Business Owner’s Policy The Hartford Business Owner’s Policy: Coverage, Eligibility, Limits & More (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/the-hartford/business-owners-policy. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. 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