---
title: "Amelia Risk vs The Hartford Business Owner’s Policy"
description: "Amelia Risk brokers a BOP with hired auto; The Hartford underwrites a property, liability and interruption package and publishes an average premium."
canonical: "https://spot.insure/compare/amelia-risk-vs-the-hartford/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Amelia Risk vs The Hartford Business Owner’s Policy

Amelia Risk brokers a BOP with hired auto; The Hartford underwrites a property, liability and interruption package and publishes an average premium.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and The Hartford for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk places a BOP that combines property, general liability and hired and non-owned auto for startup and technology clients. The Hartford’s BOP bundles commercial property, general liability and business income, reports an average customer premium of $1,687 a year, and lets you start a quote online or by phone. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [11](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

## What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## What Is The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [8](https://www.thehartford.com/legal-notice "Legal Notice") [9](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [10](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [12](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Who Places or Issues the Policy

Amelia Risk places a BOP with an underwriter chosen for the client rather than issuing it itself. The Hartford’s BOP is a Hartford product, though the BOP page does not name which property-and-casualty subsidiary would issue a given policy. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [11](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [8](https://www.thehartford.com/legal-notice "Legal Notice")

### What the Base Bundle Combines

Amelia Risk describes the BOP as combining property, general liability and hired and non-owned auto. The Hartford’s BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy. [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [11](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

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. Amelia Risk’s BOP listings do not describe those same add-on lines. [11](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups")

### Published Premium Versus Unpublished Cost

The Hartford reports customers paid an average of $1,687 a year (about $141 a month) for a BOP. Amelia Risk’s BOP listings do not publish premium averages. [11](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups")

## What to Confirm in Business Owner’s Policy Quotes

- Ask which Hartford subsidiary would issue your BOP. [8](https://www.thehartford.com/legal-notice "Legal Notice")
- Ask Amelia Risk which carrier it placed and whether interruption is on that form. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups")
- Ask how each quote treats auto: hired and non-owned auto inside Amelia Risk’s BOP description versus commercial auto as a Hartford add-on. [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [11](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Treat The Hartford’s $1,687 figure as a reported average, not a quote. [11](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

## Offering Details

| Criteria | Amelia Risk Businessowners Policy (BOP) Brokerage | The Hartford Business Owner's Policy (BOP) |
| --- | --- | --- |
| Role in This Line | Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Company-reported; scope: Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies..) | 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. [11](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..) |
| Issuing Insurer | The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Not publicly disclosed; scope: Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review..) | 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. [11](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [8](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Not publicly disclosed; scope: BOP page and Legal Notice as read 2026-09-23..) |
| Who It’s For | Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [7](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment..) | 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. [11](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 | Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Company-reported; scope: Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms..) | 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. [11](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..) |
| Limits and Retentions | Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Not publicly disclosed; scope: Startup and technology specialty pages as read on 2026-09-23..) | 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. [11](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..) |
| Risk Services | The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Not found in reviewed sources; scope: Startup, technology and specialties overview pages as read on 2026-09-23..) | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | 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. [11](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..) |

## Full Comparison

- [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Amelia Risk vs The Hartford Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/cyber)
- [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers)
- [Amelia Risk vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/employment-practices)
- [Amelia Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/general-liability)
- [Amelia Risk vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/hired-non-owned-auto)
- [Amelia Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions)
- [Amelia Risk vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Amelia Risk Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-amelia-risk/business-owners-policy)
- [Alliance Risk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-the-hartford/business-owners-policy)
- [Amelia Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-chubb/business-owners-policy)
- [Amelia Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-corgi/business-owners-policy)
- [Amelia Risk vs Coterie Insurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-coterie/business-owners-policy)
- [Amelia Risk vs Coverdash Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-coverdash/business-owners-policy)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides. Accessed 2026-09-23.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability. Accessed 2026-09-23.
5. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed. Accessed 2026-09-23.
6. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.
7. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.

### The Hartford

8. [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.
9. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
10. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
11. [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.

### Business Owner’s Policy Guide

12. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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