What is Insureon?
Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. 1,2
What Is The Hartford?
The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. 4,5,6
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 8,9
Key Differences in Business Owner’s Policy
Business income is a named component
The Hartford describes its BOP as combining property, general liability, and business-income interruption coverage in one policy. Insureon's overview names property and general liability but leaves optional coverage and exact terms to the quoted policy. A business that depends on revenue during repairs should check the interruption trigger, waiting period, and limit in the Insureon proposal; The Hartford's product description makes business income an explicit item to review. 7 3
Online and phone quote starts
The Hartford offers an online quote flow and a phone number to start, and says buyers can customize the BOP with add-ons such as workers' compensation, professional liability, commercial auto, or data breach coverage. Insureon's reviewed route is an online request and does not detail those options in its general BOP description. Buyers wanting to discuss companion policies by phone can start with The Hartford; Insureon shoppers should request an itemized list of endorsements and separate lines. 7 3
What to Confirm in Business Owner’s Policy Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Insureon
Review Score
4 rated sources
Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.[1][2]
Read Insureon reviewsThe Hartford
Review Score
5 rated sources
The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.[1][2][4][5][6][7]
Read The Hartford reviewsOffering Details
Insureon vs The Hartford: Business Owner’s Policy: documented features by provider
| Criteria | Insureon Business Owner’s Policy | The Hartford Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Insureon provides an online quote path for small-business BOP insurance; it is a marketplace/agency route, not evidence that Insureon underwrites the policy. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. BOP product page as read 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | 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. 7,4Not publicly disclosed. BOP page and Legal Notice as read 2026-09-23. |
| Who It’s For | The page describes lower-risk small businesses as common BOP candidates; it does not establish eligibility for a particular business. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. BOP product page as read 2026-09-23. |
| Coverage Features | The product page describes a BOP as combining general liability and commercial property; optional coverages and exact package terms depend on the quoted policy. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. BOP product page as read 2026-09-23. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | 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. 7Company-reported. Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business. |
| How to Apply | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase. |
Full Comparison
More Insureon vs The Hartford Comparisons
Other Business Owner’s Policy Comparisons
Sources
Insureon
- How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
- General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
- Business Owner’s Policy, BOP Insurance - Get Online Quotes. Insureon; Product definition L67-L89; qualification examples L90-L105; product liability within BOP liability protection L123-L126; optional coverage FAQ lists endorsements/bundled policies L304-L321; quote route on page. Accessed 2026-09-29.
The Hartford
- 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.
- SaaS Insurance for Your Business. 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.
- Find a Local Insurance 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.
- Business Owner's Policy (BOP) Insurance. 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
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
