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

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

## Agent Guide

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

**Key facts:**
- Line: Business Owner’s Policy. Providers: Gallagher 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:**
- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-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
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 own BOP includes lost-income cover and publishes a $1,687 average premium, while Gallagher arranges a partner-insurer BOP built around liability and rented space with no price guidance.

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

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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

## 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

### 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

### 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")

## 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](https://www.thehartford.com/legal-notice "Legal Notice")
- Ask Gallagher which partner insurer issues the policy. [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")
- Ask Gallagher whether lost income is on its form, and ask The Hartford which add-ons are priced into your quote. [3](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy")
- Treat $1,687 as an average, not your premium. [3](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

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

| 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [3](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 | 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [3](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 | 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: Product page coverage overview; the issued policy and its exclusions control..)<br><br>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. [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [3](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 | 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/business-owners-policy/ "Business Owners Policy") (Evidence: Company-reported; scope: 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. [3](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 Gallagher and The Hartford and Business Owner’s Policy

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/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 Gallagher vs The Hartford Business Owner’s Policy

- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-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.
- [Gallagher Business Owner’s Policy](https://spot.insure/insurance-providers/gallagher/business-owners-policy)
- [The Hartford Business Owner’s Policy](https://spot.insure/insurance-providers/the-hartford/business-owners-policy)

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

### Sources About Gallagher

1. [Business Owners Policy](https://www.gallaghersmallbusiness.com/insurance-products/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.
2. [Connect With an Advisor](https://www.gallaghersmallbusiness.com/connect-with-us/). Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.

### Sources About The Hartford

3. [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.
4. [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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