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

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

## Agent Guide

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

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

# 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 against a $1,687 average premium, while HUB assigns an advisor who shops insurers and tailors the package to your industry.

## HUB International vs The Hartford Business Owner’s Policy Summary

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

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

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

## 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](https://www.thehartford.com/legal-notice "Legal Notice")
- Ask HUB which insurer issues the BOP it places. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")
- Ask The Hartford which add-ons, such as off-site utility outage cover, are priced into your quote. [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Ask HUB's advisor exactly which industry-specific options were added and what each costs. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## HUB International vs The Hartford Business Owner’s Policy Compared

| 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. [1](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. [2](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 | 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. [1](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. [2](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 | HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. [1](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. [2](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 HUB International and The Hartford and Business Owner’s Policy

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/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 HUB International vs The Hartford

- [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 owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [HUB International Business Owner’s Policy](https://spot.insure/insurance-providers/hub-international/business-owners-policy)
- [The Hartford Business Owner’s Policy](https://spot.insure/insurance-providers/the-hartford/business-owners-policy)

## Sources for HUB International vs The Hartford Business Owner’s Policy

### Sources About HUB International

1. [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.

### Sources About The Hartford

2. [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.
3. [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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