Embroker vs The Hartford Business Owner’s Policy

Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. ⁴Company-reported. Product-page description of the bundle; not a statement about the issuing insurer.

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. ⁸Company-reported. BOP product page as read 2026-09-23.

Not described in the reviewed sources.

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. ^8,5Not publicly disclosed. BOP page and Legal Notice as read 2026-09-23.

Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. ⁴Company-reported. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all.

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. ⁸Company-reported. BOP product page as read 2026-09-23.

The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. ⁴Company-reported. Product-page coverage summary; the issued policy and declarations control.

Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. ⁴Company-reported. Product-page What's not included and FAQ sections.

Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. ⁴Company-reported. FAQ section; specific endorsement availability depends on underwriting.

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. ⁸Company-reported. BOP product page as read 2026-09-23.

Not described in the reviewed sources.

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. ⁸Company-reported. Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business.

The reviewed BOP page does not describe line-specific risk-control or loss-prevention services beyond general references to the Embroker Resource Hub and chat support. ⁴Not found in reviewed sources. Product page as read on 2026-09-23; broader broker-wide services may exist elsewhere.

Not described in the reviewed sources.

Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. ⁴Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.

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. ⁸Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.