--- title: "TechInsurance vs The Hartford: Business Owner’s Policy" description: "TechInsurance fits a tech firm under 100 employees and $1 million in revenue, and reports a median BOP premium of $83 a month. The Hartford, whose customers paid an average $1,687 a year, lets you add workers' comp, professional liability, commercial auto and data-breach cover to the same account." canonical: "https://spot.insure/compare/techinsurance-vs-the-hartford/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "techinsurance-vs-the-hartford" provider-a: "techinsurance" provider-b: "the-hartford" coverage-line: "business-owners-policy" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/techinsurance-vs-the-hartford/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of TechInsurance 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 TechInsurance 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:** - TechInsurance vs The Hartford for Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, TechInsurance or The Hartford? - What does TechInsurance or The Hartford publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Business Owner’s Policy. Providers: TechInsurance 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:** - [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-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 - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile # TechInsurance vs The Hartford: How Do They Compare for Business Owner’s Policy? TechInsurance reports a median BOP cost of $83 a month and arranges it through one online application; The Hartford offers an online BOP quote and reports customers paid an average of $1,687 a year. TechInsurance targets small tech firms under $1 million in revenue with a reported $83 monthly BOP median, while The Hartford insures larger businesses and adds workers' comp, auto and data-breach cover. ## TechInsurance vs The Hartford Business Owner’s Policy Summary TechInsurance fits a tech firm under 100 employees and $1 million in revenue, and reports a median BOP premium of $83 a month. The Hartford, whose customers paid an average $1,687 a year, lets you add workers' comp, professional liability, commercial auto and data-breach cover to the same account. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") ## What Are the Key Differences Between TechInsurance and The Hartford Business Owner’s Policy? ### Who Each Fits TechInsurance says BOP savings typically go to businesses with fewer than 100 employees, under $1 million a year, a low-risk industry and a small commercial space. The Hartford sets no size cutoffs: it offers a BOP to any business with a physical location, lawsuit exposure or property that could be stolen or damaged, and tailors it by industry. Choose TechInsurance if you're a small tech firm inside its profile; choose The Hartford if you're larger or want other lines from the same insurer. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") ### Reading the Price Figures TechInsurance's $83 monthly median works out to about $990 a year; The Hartford's $1,687 yearly average is about $141 a month. One is a median and one an average from different customer bases, so the gap doesn't mean TechInsurance will quote you less. Use them only as rough budgets. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") ### Gaps and Add-Ons TechInsurance's BOP leaves out employee injuries, cyberattacks, business vehicles and, unless you add an endorsement, natural-disaster damage. The Hartford sells workers' comp, professional liability, commercial auto, data-breach cover and off-premises utility business income as add-ons, so it can fill those gaps in one place. TechInsurance says you typically get a certificate the same day you buy. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") ## What Should You Confirm in TechInsurance and The Hartford Business Owner’s Policy Quotes? - Compare actual quotes at matching limits and deductibles, not the published price figures. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") - Ask TechInsurance which insurer issues the policy and what the natural-disaster endorsement costs. [1](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") - Ask The Hartford which of its insurance companies issues the policy and which add-ons are attached. [3](https://www.thehartford.com/legal-notice "Legal Notice") [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") ## TechInsurance vs The Hartford Business Owner’s Policy Compared | Criteria | TechInsurance Business Owner's Policy (BOP) | The Hartford Business Owner's Policy (BOP) | | --- | --- | --- | | 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. [1](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. [2](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..) | | 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. [1](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. [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..) | | 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. [1](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. [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 | 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. [1](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. [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 | 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. [1](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. [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 TechInsurance and The Hartford and Business Owner’s Policy - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/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 TechInsurance vs The Hartford - [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 owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage. - [TechInsurance Business Owner’s Policy](https://spot.insure/insurance-providers/techinsurance/business-owners-policy) - [The Hartford Business Owner’s Policy](https://spot.insure/insurance-providers/the-hartford/business-owners-policy) ## Sources for TechInsurance vs The Hartford Business Owner’s Policy ### Sources About TechInsurance 1. [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. ### 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/techinsurance-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)