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

The Hartford reports its customers paid an average of $1,687 a year and lets you add professional liability or commercial auto; Embroker gives an online BOP quote for firms under 100 employees and lists its exclusions.

The Hartford takes businesses of any published size, can add data breach and workers' comp, and reports a $1,687 average annual premium. Embroker limits its BOP to firms under 100 employees and $10 million in revenue and leaves out cyber and employment claims. ^2,¹

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

Who Qualifies

Both bundle property, general liability and business income, and both quote online; The Hartford also takes calls. The Hartford says a BOP fits any business with a location, lawsuit exposure or assets that could be stolen or damaged, and customizes it by industry. Embroker requires fewer than 100 employees and under $10 million in revenue, though a home office counts as a location. Choose Embroker if you're a small or home-based firm under those caps; choose The Hartford if you're bigger or want industry-specific options. ² ¹

Add-Ons Versus Exclusions

The Hartford lets you add workers' comp, professional liability, commercial auto, data breach and off-premises utility income, which pays if a power or water outage elsewhere shuts you down. Embroker excludes cyber, professional liability, employment claims and crime from its BOP. It can endorse back professional liability, EPL and some property items, but not cyber. The Hartford keeps more of your risks on one policy. ² ¹

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

Ask both which insurer issues the policy; neither product page names it. ³ ¹
If you need breach cover, compare The Hartford's add-on with a separate cyber policy alongside Embroker. ² ¹
Get limits, deductibles and premiums from both; The Hartford's $1,687 is an average, and neither publishes limits. ² ¹

Embroker vs The Hartford Business Owner’s Policy Compared

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

Criteria	Embroker Business Owners Policy	The Hartford Business Owner's Policy (BOP)
Who It’s For	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. ¹Company-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. ²Company-reported. BOP product page as read 2026-09-23.
How to Apply	Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. ¹Company-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. ²Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.
Coverage Features	The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. ¹Company-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. ¹Company-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. ¹Company-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. ²Company-reported. BOP product page as read 2026-09-23.
Role in This Line	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. ¹Company-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. ²Company-reported. BOP product page as read 2026-09-23.