---
title: "Mylo vs The Hartford: Business Owner’s Policy"
description: "Mylo can quote The Hartford and dozens of other insurers side by side, so it is the better start if you want to compare prices. Going direct to The Hartford gets you one insurer's BOP, a published average of $1,687 a year and a clear add-on menu."
canonical: "https://spot.insure/compare/mylo-vs-the-hartford/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "mylo-vs-the-hartford"
provider-a: "mylo"
provider-b: "the-hartford"
coverage-line: "business-owners-policy"
---

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

## Agent Guide

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

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

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

The Hartford offers an online BOP quote and reports customers paid an average of $1,687 a year; Mylo is a broker that compares quotes from multiple carriers and names The Hartford as one it partners with.

Mylo compares BOP quotes from more than 40 insurers, The Hartford among them; The Hartford sells its own BOP and reports an average premium of $1,687 a year.

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

Mylo can quote The Hartford and dozens of other insurers side by side, so it is the better start if you want to compare prices. Going direct to The Hartford gets you one insurer's BOP, a published average of $1,687 a year and a clear add-on menu. [1](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [2](https://choosemylo.com/business/business-insurance "Business Insurance") [3](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

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

### One Insurer Versus a Panel That Includes It

Mylo is a broker that compares quotes from more than 40 A-rated insurers and names The Hartford as one of them. A Mylo quote may come back from The Hartford or from another insurer on its panel. Going direct to The Hartford, you get only its price, which you can start online or by phone. Choose Mylo if you want several quotes, including The Hartford’s; choose The Hartford if you already want it and plan to add auto, workers’ comp or professional liability with the same insurer. [2](https://choosemylo.com/business/business-insurance "Business Insurance") [3](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

### Published Average and Add-Ons

The Hartford reports that its BOP customers paid an average of $1,687 a year, about $141 a month, which gives you a benchmark before you quote. It lists workers’ comp, professional liability, commercial auto, data-breach coverage and off-premises utility business income as add-ons. Mylo publishes no premium range and no add-on list; it describes the core three-part bundle and says packaging saves money. [3](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy")

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

- Ask Mylo which insurer actually issues your quote, and whether The Hartford was one of them. [2](https://choosemylo.com/business/business-insurance "Business Insurance")
- Ask The Hartford which of its companies issues the policy. [4](https://www.thehartford.com/legal-notice "Legal Notice")
- Don’t treat the $1,687 average as your price; compare quotes with matching limits. [3](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Ask both how lost income is calculated; Mylo describes actual loss sustained. [1](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [3](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

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

| Criteria | Mylo Business Owner's Policy | The Hartford Business Owner's Policy (BOP) |
| --- | --- | --- |
| Who It’s For | Mylo's business-insurance overview page lists a BOP among the coverages most owners start with, alongside commercial auto, workers' compensation and commercial umbrella, and says it gives each business a personalized coverage recommendation. [2](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page..) | 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. [3](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 | Mylo says a buyer can shop for a BOP online through its Mind of Mylo recommendation tool or by phone with a licensed advisor (844-863-5950), and that Mylo has agents licensed in all 50 states. [2](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ..) | 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. [3](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 | Mylo describes its BOP as bundling three coverages: general liability for third-party bodily injury, property damage and advertising-injury claims; commercial property for damage to a business's building and business personal property from causes such as fire, storm, theft or vandalism; and business interruption for lost income (actual loss sustained) during a covered shutdown. [1](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page coverage sections; the issued policy and its exclusions control..)<br><br>Mylo says packaging these three coverages in a BOP instead of buying them separately typically costs less and can provide better coverage than buying each individually. [1](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page FAQ; a general company statement, not a quoted savings figure for any specific business..) | 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. [3](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 | Mylo brokers a business owner's policy by comparing quotes from multiple carriers rather than underwriting the policy itself. [1](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [2](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: BOP product page and the business-insurance overview page..) | 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. [3](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 Mylo and The Hartford and Business Owner’s Policy

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

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

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

### Sources About Mylo

1. [Business Owner's Policy](https://choosemylo.com/business/product-business-owners-policy). Mylo; Like you, a BOP can do three things at once!; Coverage #1: general liability; Coverage #2: commercial property; Coverage #3: Business Interruption; Business Owner Policy FAQs. Accessed 2026-09-23.
2. [Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; What insurance does a small business need?; Why Mylo? (40+ top-rated commercial insurance partners, 4.8 Google rating, BBB Accredited); What insurance carriers do you work with?; How do I shop for insurance with Mylo?. Accessed 2026-09-23.

### Sources About The Hartford

3. [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.
4. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/mylo-vs-the-hartford/business-owners-policy.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)