---
title: "TechInsurance vs The Hartford Business Owner’s Policy"
description: "TechInsurance cites an $83 monthly BOP median and a sub-$1 million revenue screen; The Hartford reports a $1,687 yearly average and lists add-on lines."
canonical: "https://spot.insure/compare/techinsurance-vs-the-hartford/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# TechInsurance vs The Hartford Business Owner’s Policy

TechInsurance cites an $83 monthly BOP median and a sub-$1 million revenue screen; The Hartford reports a $1,687 yearly average and lists add-on lines.

## Research Scope and Use

Use this comparison to evaluate TechInsurance 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

TechInsurance reports a median BOP premium of $83 a month and typical savings below 100 employees and $1 million in revenue. The Hartford reports customers paid an average of $1,687 a year and can add workers’ compensation, professional liability, commercial auto and data-breach coverage on top of the BOP. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [1](https://www.techinsurance.com/about-us "About TechInsurance") [2](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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. [4](https://www.thehartford.com/legal-notice "Legal Notice") [5](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [6](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. [8](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

### Two Company-Reported Price Anchors

TechInsurance says its BOP policyholders pay a median of $83 a month (about $990 a year). The Hartford says its customers paid an average of $1,687 a year (about $141 a month). Those figures come from different books and methods, so they are not a like-for-like rate comparison. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

### Size Screen Versus Physical-Location Framing

TechInsurance says typical BOP savings apply with fewer than 100 employees, under $1 million yearly revenue, a low-risk industry and a small commercial space. The Hartford says a BOP fits a business that has a physical location, could be sued, or has assets that could be stolen or damaged, and can be customized for industries—without those numeric cutoffs. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

### Catastrophe Endorsements and Extra Coverages

TechInsurance excludes natural-disaster property damage unless you add an endorsement, and also excludes employee injuries, cyberattacks and business vehicles. The Hartford lists workers’ compensation, professional liability, commercial auto, data-breach coverage and off-premises utility business-income as add-ons rather than as a published exclusion list. Both offer an online quote path; TechInsurance also says a certificate is typically available the same day you buy. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

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

- Do not treat $83 a month and $1,687 a year as competing quotes; match limits and deductibles first. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Ask TechInsurance whether your revenue and employee count still fit its typical-savings screen. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes")
- Ask The Hartford which subsidiary issues the policy and which add-ons are attached. [4](https://www.thehartford.com/legal-notice "Legal Notice") [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Compare windstorm and flood wording: TechInsurance flags a catastrophe endorsement; Hartford’s BOP page does not. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

## Offering Details

| Criteria | TechInsurance Business Owner's Policy (BOP) | The Hartford Business Owner's Policy (BOP) |
| --- | --- | --- |
| Role in This Line | 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. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [7](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 reviewed page does not name the issuing insurer for a BOP. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [4](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 | 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. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [7](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 | 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. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [7](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 | 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. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [7](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..) |
| How to Apply | 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. [3](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [7](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

- [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-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.
- [TechInsurance vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/commercial-auto)
- [TechInsurance vs The Hartford Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/commercial-property)
- [TechInsurance vs The Hartford Cyber Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/cyber)
- [TechInsurance vs The Hartford D&O Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/directors-officers)
- [TechInsurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/employment-practices)
- [TechInsurance vs The Hartford General Liability Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/general-liability)
- [TechInsurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/inland-marine)
- [TechInsurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/professional-errors-omissions)
- [TechInsurance vs The Hartford Tech E&O Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/technology-errors-omissions)
- [TechInsurance vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/workers-compensation)
- [Alliance Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-techinsurance/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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-techinsurance/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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-techinsurance/business-owners-policy)
- [Chubb vs The Hartford Business Owner’s Policy](https://spot.insure/compare/chubb-vs-the-hartford/business-owners-policy)

## Sources

### TechInsurance

1. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
2. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
3. [Business Owner's Policy (BOP) Insurance – Compare Quotes](https://www.techinsurance.com/business-owners-policy). TechInsurance; Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP?. Accessed 2026-09-23.

### The Hartford

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.
5. [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.
6. [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.
7. [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

8. [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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