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

A BOP from The Hartford costs its customers an average of $1,687 a year by its own report, with an online quote and customizable add-ons; Gallagher arranges a BOP with partner carriers.

The Hartford's BOP includes lost-income cover in the base policy and comes with a $1,687 average annual premium to budget against. Gallagher arranges a partner insurer's BOP for liability and rented space, with no published price and no lost-income cover named in the bundle. ^3,¹

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

Whether a Closure Is Covered From Day One

If a burst pipe closes your shop for a month, The Hartford's base BOP pays lost income, and you can add cover for off-site utility outages. Gallagher's BOP page describes liability and property for rented space and equipment but doesn't name lost income as part of the package. The Hartford sells its own policy, while Gallagher places yours with a partner insurer. Choose The Hartford if you depend on one location and can't absorb a shutdown; choose Gallagher if you rent your space and want an advisor to shop partner insurers. ³ ¹

Price Guidance and Getting Help

The Hartford says BOP customers paid an average of $1,687 a year, about $141 a month. Gallagher publishes no price range; you request a quote online, call its weekday advisor line or book a callback. The Hartford also takes quotes online or by phone. ³ ¹

What Neither BOP Covers

The Hartford leaves workers' comp, professional liability, commercial auto and data breach out of the BOP but sells them as add-ons. Gallagher likewise excludes employee injuries and malpractice, and doesn't say what it adds on. Either way, plan to buy those separately. ³ ¹

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

Ask The Hartford which of its insurance companies issues your policy; its legal notice says this varies by product and state. ⁴
Ask Gallagher which partner insurer issues the policy. ¹
Ask Gallagher whether lost income is on its form, and ask The Hartford which add-ons are priced into your quote. ³ ¹
Treat $1,687 as an average, not your premium. ³

Gallagher vs The Hartford Business Owner’s Policy Compared

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

Criteria	Gallagher Small Business Owner’s Policy	The Hartford Business Owner's Policy (BOP)
Who It’s For	Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. ¹Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance 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. ³Company-reported. BOP product page as read 2026-09-23.
How to Apply	Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. ¹Company-reported. Product page "Get Covered Now" section.	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. ³Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.
Coverage Features	Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. ¹Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. ¹Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.	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. ³Company-reported. BOP product page as read 2026-09-23.
Role in This Line	Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. ¹Company-reported. Gallagher Small Business's direct-to-small-business BOP product page.	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. ³Company-reported. BOP product page as read 2026-09-23.