Gallagher vs The Hartford Business Owner’s Policy

The Hartford underwrites a three-part BOP with a published average premium; Gallagher places a partner package without pricing.

What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. ^1,^2,^3,^4,⁵

Read the Gallagher profile

What Is The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. ^8,^9,¹⁰

Read the The Hartford profile

What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. ¹²

Read the full coverage guide

Key Differences in Business Owner’s Policy

Hartford Policy Versus Gallagher Placement

The Hartford's BOP is a Hartford product that puts commercial property, general liability and business income into one policy. Gallagher Small Business arranges a BOP with a partner carrier rather than underwriting it. The Hartford's BOP page still does not name which Hartford property-and-casualty subsidiary would issue a given policy; Gallagher also leaves the issuer unnamed. ¹¹ ⁸ ⁶

Income Coverage and Add-Ons

The Hartford includes business income in the base bundle and says workers' compensation, professional liability, commercial auto and data breach are not in the BOP itself but can be added, along with off-premises utility business-income coverage. Gallagher describes liability and rented-space property and lists exclusions such as employee injuries and malpractice, without describing those Hartford add-ons on the reviewed BOP page. ¹¹ ⁶

Average Premium Versus No Published Price

The Hartford reports customers paid an average of $1,687 a year (about $141 a month) for a BOP. Gallagher directs you to request a quote and does not publish premium ranges. Both offer an online start; Gallagher also has a weekday advisor line and callback, and The Hartford lists a phone number as well. ¹¹ ⁶

What to Confirm in Business Owner’s Policy Quotes

Get the Hartford writing company from the quote; the Legal Notice says subsidiaries vary by product and jurisdiction. ⁸
Ask Gallagher which partner would issue the policy. ⁶
Confirm whether business income is on both forms and which Hartford add-ons are priced. ¹¹ ⁶
Treat The Hartford's $1,687 figure as an estimate, not your premium. ¹¹

Offering Details

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)
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. ⁶Company-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. ¹¹Company-reported. BOP product page as read 2026-09-23.
Issuing Insurer	The BOP product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.	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. ^11,⁸Not publicly disclosed. BOP page and Legal Notice as read 2026-09-23.
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. ⁶Company-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. ¹¹Company-reported. BOP product page as read 2026-09-23.
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. ⁶Company-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. ⁶Company-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. ¹¹Company-reported. BOP product page as read 2026-09-23.
Limits and Retentions	The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the BOP product page on 2026-09-23.	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. ¹¹Company-reported. Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business.
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. ⁶Company-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. ¹¹Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.

Full Comparison

More Gallagher vs The Hartford Comparisons

Other Business Owner’s Policy Comparisons

Sources

Gallagher

Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Business Owners Policy. Gallagher Small Business; Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now. Accessed 2026-09-23.
Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.

The Hartford

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.
SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
Business Owner's Policy (BOP) Insurance. 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.

Business Owner’s Policy Guide

Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.