---
title: "Hiscox vs The Hartford: Business Owner’s Policy"
description: "The Hartford's BOP includes business income cover and comes with a published $1,687 average annual cost. Hiscox's online BOP lets you add cyber, hired auto and crime, but you can't buy it in seven states, including Florida and Washington."
canonical: "https://spot.insure/compare/hiscox-vs-the-hartford/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hiscox-vs-the-hartford"
provider-a: "hiscox"
provider-b: "the-hartford"
coverage-line: "business-owners-policy"
---

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

## Agent Guide

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

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

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

Hiscox lets eligible buyers quote and buy its BOP online but is unavailable in seven states including Florida and Ohio; The Hartford reports its customers paid an average of $1,687 a year for a BOP and lets you add workers' comp or commercial auto.

The Hartford's BOP includes lost-income cover and averages $1,687 a year; Hiscox's online BOP adds cyber, hired auto and crime but isn't sold in seven states.

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

The Hartford's BOP includes business income cover and comes with a published $1,687 average annual cost. Hiscox's online BOP lets you add cyber, hired auto and crime, but you can't buy it in seven states, including Florida and Washington. [6](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance")

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

### Where You Can Buy and What's Built In

Hiscox's BOP isn't available in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington or West Virginia; businesses there can rule it out now. The Hartford builds business income into the base policy, so a covered shutdown replaces lost revenue without an add-on. Both write their own BOPs and let you quote online. Choose The Hartford if you're in one of Hiscox's excluded states or want workers' compensation, commercial auto and professional liability from the same insurer; choose Hiscox if you want cyber, hired auto or crime folded into the BOP itself. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [6](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage")

### Add-Ons

The Hartford lets you add workers' compensation, professional liability, commercial auto, data breach and off-premises utility business-income cover. Hiscox's upgrades are cyber, hired and non-owned auto and commercial crime, tied to the BOP occurrence limit. If a utility outage down the street could close you, only The Hartford names cover for that. [6](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage")

### Price Signals

The Hartford says customers paid an average of $1,687 a year, which gives you a budget benchmark. Hiscox shows only an illustrative table for a California IT consultant, labeled as not a quote, and neither publishes standard limits. The Hartford also lists a phone number if you'd rather not quote online. [6](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage")

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

- Check your state against Hiscox's exclusion list. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide")
- Ask which Hartford subsidiary issues your policy; it varies by product and state. [7](https://www.thehartford.com/legal-notice "Legal Notice")
- Check whether Hiscox's quote includes business income, since The Hartford's does by default. [6](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage")
- Treat The Hartford's $1,687 figure as an average, not your premium. [6](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

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

| Criteria | Hiscox Business Owner's Policy | The Hartford Business Owner's Policy (BOP) |
| --- | --- | --- |
| Who It’s For | Hiscox's 2026 appetite guide says its business owner's policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia, a narrower footprint than the 49-state-plus-D.C. availability Hiscox states for its overall online small-business catalogue. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business..) | 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. [6](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 | Hiscox says eligible buyers can quote and buy a business owner's policy online, and can select add-on coverages such as cyber or commercial crime during that process where available. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: Company-described online application; eligibility and binding conditions require confirmation on the actual application..) | 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. [6](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 | Hiscox describes optional add-ons to its business owner's policy including cyber coverage, hired/non-owned commercial auto, and commercial crime; hired/non-owned auto and commercial crime are described as upgrades tied to the BOP's own occurrence limit and are not sold as standalone Hiscox policies. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [2](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [3](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") (Evidence: Company-reported; scope: Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states..) | 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. [6](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 | Hiscox Inc. sells a business owner's policy directly online to small businesses, combining general liability and commercial property into one package as part of its Hiscox NOW admitted catalogue. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Company-stated online small-business channel..) | 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. [6](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 Hiscox and The Hartford and Business Owner’s Policy

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

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

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

### Sources About Hiscox

1. [Business Owner's Policy Insurance (BOP) Coverage](https://www.hiscox.com/small-business-insurance/business-owners-policy). Hiscox; BOP as combined general liability and commercial property; optional packages including cyber, non-owned commercial auto, commercial crime and professional liability; illustrative California IT/technology consultant pricing table; worldwide-coverage qualifications. Accessed 2026-09-16.
2. [Non-Owned Car Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; Hired/non-owned auto described as an upgrade to a business owner's policy and part of that policy's occurrence limit, not coverage for vehicles owned or regularly operated by the business. Accessed 2026-09-16.
3. [Commercial crime insurance for small businesses](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime). Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16.
4. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent. Accessed 2026-09-16.
5. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Accessed 2026-09-16.

### Sources About The Hartford

6. [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.
7. [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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