---
title: "Chubb vs The Hartford: Business Owner’s Policy"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-the-hartford/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-the-hartford"
provider-a: "chubb"
provider-b: "the-hartford"
coverage-line: "business-owners-policy"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-the-hartford/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of Chubb and The Hartford for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Chubb versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs The Hartford for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Chubb or The Hartford?
- What does Chubb or The Hartford publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Chubb and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Chubb vs The Hartford](https://spot.insure/compare/chubb-vs-the-hartford) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 publishes a $1,687 average BOP premium so small businesses can budget, while Chubb takes businesses up to $30 million in revenue and offers broader add-ons such as kidnap and ransom.

## Chubb vs The Hartford Business Owner’s Policy Summary

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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

## 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")

### 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")

## 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](https://www.thehartford.com/legal-notice "Legal Notice")
- Ask Chubb to confirm your business class is among its 500+ eligible classes. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Compare data breach cover: built into Chubb's BOP as an enhancement versus a separate Hartford add-on. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Treat $1,687 as an average across customers, not your price. [5](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

## Chubb vs The Hartford Business Owner’s Policy Compared

| 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](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..) |
| 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](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..) |
| 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](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..) |
| 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](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..) |

## About Chubb and The Hartford and Business Owner’s Policy

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy)

## Related Pages for Chubb vs The Hartford Business Owner’s Policy

- [Chubb vs The Hartford](https://spot.insure/compare/chubb-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 owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [Chubb Business Owner’s Policy](https://spot.insure/insurance-providers/chubb/business-owners-policy)
- [The Hartford Business Owner’s Policy](https://spot.insure/insurance-providers/the-hartford/business-owners-policy)

## Sources for Chubb vs The Hartford Business Owner’s Policy

### Sources About Chubb

1. [Business Owner's Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM. Accessed 2026-09-23.
2. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses. Accessed 2026-09-23.
3. [Report a Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23.
4. [Claims](https://www.chubb.com/us-en/claims.html). Chubb; 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey. Accessed 2026-09-23.

### Sources About The Hartford

5. [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.
6. [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.

Updated 2026-09-25. 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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