HUB International vs 
The Hartford: How Do They Compare for Business Owner’s Policy?
HUB International brokers the BOP and has an advisor tailor it; The Hartford offers an online BOP quote, or a phone call, and reports customers paid an average of $1,687 a year.
The Hartford lets you quote its own BOP online, with lost-income cover included and a $1,687 average annual premium as a benchmark. HUB only works through an advisor, who shops insurers and tailors the package to your line of business, with no published price. 2,1
What Are the Key Differences Between HUB International and The Hartford Business Owner’s Policy?
Doing It Yourself Versus Handing It to an Advisor
With The Hartford, you build the quote online, adding coverages as you go, or call its listed number. With HUB, there's no online quote; you contact a broker, who picks the insurer and adjusts options for your industry so separate property and liability policies don't leave gaps. Choose The Hartford if you're a straightforward small business that wants a price quickly; choose HUB if your operations are unusual enough that you want someone to shop and tailor the coverage. 2 1
Knowing What You'll Pay and What's Left Out
The Hartford's customers paid $1,687 a year on average, and it tells you plainly that workers' comp, professional liability, commercial auto and data breach sit outside the BOP as paid add-ons. HUB publishes neither a price range nor an add-on list, so you'll only see cost and scope once an advisor quotes. 2 1
What Should You Confirm in HUB International and The Hartford Business Owner’s Policy Quotes?
- Ask The Hartford which of its insurance companies issues your policy. 3
- Ask HUB which insurer issues the BOP it places. 1
- Ask The Hartford which add-ons, such as off-site utility outage cover, are priced into your quote. 2
- Ask HUB's advisor exactly which industry-specific options were added and what each costs. 1
HUB International vs The Hartford Business Owner’s Policy Compared
HUB International vs The Hartford: Business Owner’s Policy: documented features by provider
| Criteria | HUB International Business Owners Policy Brokerage | The Hartford Business Owner's Policy (BOP) |
|---|---|---|
| How to Apply | HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. 1Company-reported. Product-page call to action as read 2026-09-23. | 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 | HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. 1Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim. | 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 | HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. 1Company-reported. BOP product page as read 2026-09-23; the page does not name an 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. |
