---
title: "HUB International vs The Hartford Business Owner’s Policy"
description: "The Hartford sells a three-part BOP online with a $1,687 average; HUB places the line only through a broker."
canonical: "https://spot.insure/compare/hub-international-vs-the-hartford/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# HUB International vs The Hartford Business Owner’s Policy

The Hartford sells a three-part BOP online with a $1,687 average; HUB places the line only through a broker.

## Research Scope and Use

Use this comparison to evaluate HUB International and The Hartford for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

The Hartford's BOP bundles commercial property, general liability and business income, with an online quote and a reported average of $1,687 a year. HUB brokers a combined property-and-liability package through a HUB advisor, does not describe an online bind, and does not publish an average premium. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Hartford Product Versus HUB Placement

The Hartford sells a BOP that puts commercial property, general liability and business income into one policy. HUB brokers a BOP rather than underwriting it. The Hartford still does not name which subsidiary would issue a given policy; HUB's page also leaves the issuer unnamed. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [5](https://www.thehartford.com/legal-notice "Legal Notice") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

### Online Quote Versus Broker Contact

The Hartford offers an online quote flow, described as customizable by adding coverages, plus a listed phone number. HUB directs you to contact a HUB broker with no online quote described. The Hartford reports an average of $1,687 a year; HUB publishes no premium range. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

### Add-Ons Versus Advisor Fine-Tuning

The Hartford 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. HUB says an advisor fine-tunes options for the client's line of business so separate property and liability policies do not leave gaps. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## What to Confirm in Business Owner’s Policy Quotes

- Get the Hartford writing company from the quote. [5](https://www.thehartford.com/legal-notice "Legal Notice")
- Ask HUB which insurer would issue the placed BOP. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")
- Confirm business income and which Hartford add-ons are priced. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Ask HUB which line-of-business options the advisor would add. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## Offering Details

| Criteria | HUB International Business Owners Policy Brokerage | The Hartford Business Owner's Policy (BOP) |
| --- | --- | --- |
| 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [8](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..) |
| Issuing Insurer | The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not found in reviewed sources; scope: Checked the BOP product page on 2026-09-23; no carrier is disclosed there..) | 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. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [5](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Not publicly disclosed; scope: BOP page and Legal Notice as read 2026-09-23..) |
| Who It’s For | Not described in the reviewed sources. | 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. [8](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..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [8](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..) |
| Limits and Retentions | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not publicly disclosed; scope: Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page..) | 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. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business..) |
| Risk Services | HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page marketing copy; no specific risk-control service beyond broker consultation is described..) | Not described in the reviewed sources. |
| 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [8](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..) |

## Full Comparison

- [HUB International vs The Hartford](https://spot.insure/compare/hub-international-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 owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [HUB International vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/commercial-auto)
- [HUB International vs The Hartford Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/commercial-property)
- [HUB International vs The Hartford Crime Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/crime)
- [HUB International vs The Hartford Cyber Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/cyber)
- [HUB International vs The Hartford D&O Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/directors-officers)
- [HUB International vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/employment-practices)
- [HUB International vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/fiduciary)
- [HUB International vs The Hartford General Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/general-liability)
- [HUB International vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/hired-non-owned-auto)
- [HUB International vs The Hartford Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/inland-marine)
- [HUB International vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/kidnap-ransom)
- [HUB International vs The Hartford Management Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/management-liability)
- [HUB International vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/professional-errors-omissions)
- [HUB International vs The Hartford Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/technology-errors-omissions)
- [HUB International vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/workers-compensation)
- [Alliance Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-hub-international/business-owners-policy)
- [Alliance Risk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-the-hartford/business-owners-policy)
- [Amelia Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy)
- [Amelia Risk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-the-hartford/business-owners-policy)
- [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy)
- [Chubb vs The Hartford Business Owner’s Policy](https://spot.insure/compare/chubb-vs-the-hartford/business-owners-policy)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. Accessed 2026-09-23.

### The Hartford

5. [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.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). 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.
7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-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.
8. [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.

### Business Owner’s Policy Guide

9. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. 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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