TechInsurance vs The Hartford Business Owner’s Policy

TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. ³Company-reported. Business owner's policy product 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. ⁷Company-reported. BOP product page as read 2026-09-23.

The reviewed page does not name the issuing insurer for a BOP. ³Not publicly disclosed. Business owner's policy product page as read on 2026-09-23.

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.

TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. ³Company-reported. Business owner's policy product page, Eligibility requirements for a BOP section.

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.

TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. ³Company-reported. Business owner's policy product page; general policy description, not a specific policy form.

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.

TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. ³Company-reported. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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.

You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. ³Company-reported. Business owner's policy product page.

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.