Chubb vs The Hartford: How Do They Compare for Business Owner’s Policy?

Chubb's BOP is available to small businesses up to $30 million in revenue, with 24/7 claims reporting; The Hartford reports an average $1,687 a year for its BOP and lists workers' comp and professional liability as add-ons.

The Hartford is the only one of the two that gives you a price signal: its BOP customers paid $1,687 a year on average. Chubb is built for larger or more complex businesses, up to $30 million in revenue across 500+ classes, with add-ons like data breach and foreign liability. ^1,⁵

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

Budgeting a Small Shop Versus Covering a Growing Company

The Hartford's $1,687 average works out to about $141 a month, a useful benchmark before you get quotes. Its BOP fits any business with a physical location, lawsuit exposure or property that could be stolen or damaged. Chubb publishes no price, and neither publishes standard limits. Choose The Hartford if you're a small, single-location business that wants a benchmark price; choose Chubb if you're approaching $30 million in revenue or operate abroad. ⁵ ¹

What You'll Need to Buy on Top

The Hartford is explicit that its BOP excludes workers' comp, professional liability, commercial auto and data breach; you add those separately. Chubb bolts more onto the BOP itself: data breach, employment practices, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime. Its Total Account Solution then packages umbrella, workers' comp, auto, management liability and cyber. If you want one insurer for everything, Chubb is set up for it. ⁵ ¹

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

Ask The Hartford which of its insurance companies issues your policy; its BOP page doesn't say. ⁶
Ask Chubb to confirm your business class is among its 500+ eligible classes. ¹
Compare data breach cover: built into Chubb's BOP as an enhancement versus a separate Hartford add-on. ¹ ⁵
Treat $1,687 as an average across customers, not your price. ⁵

Chubb vs The Hartford Business Owner’s Policy Compared

Chubb vs The Hartford: Business Owner’s Policy: documented features by provider

Criteria	Chubb Business Owner's Policy (BOP) Insurance	The Hartford Business Owner's Policy (BOP)
Who It’s For	Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. ¹Company-reported. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting.	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. ⁵Company-reported. BOP product page as read 2026-09-23.
How to Apply	You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. ¹Company-reported. Chubb BOP product page call-to-action sections for business owners and for agents and brokers.	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. ⁵Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.
Coverage Features	Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. ¹Company-reported. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state.	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. ⁵Company-reported. BOP product page as read 2026-09-23.
Role in This Line	Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. ¹Company-reported. Chubb BOP product page; describes Chubb's own packaged small-business offering.	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. ⁵Company-reported. BOP product page as read 2026-09-23.