Get Started

The Hartford Business Owner’s Policy

The Hartford sells a business owner's policy that bundles commercial property, general liability and business income coverage into one policy, with online quotes.

The Hartford Business Owner's Policy (BOP) · Updated

Compare Business Owner’s Policy quotes with Spot

Compare proposals on coverage terms as well as price, with help from your Spot team and broker.

What Is The Hartford’s Role in Business Owner’s Policy?

  • 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. 1Company-reportedBOP product page as read 2026-09-23.

Who Issues The Hartford Business Owner’s Policy?

  • 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. 1,2Not publicly disclosedBOP page and Legal Notice as read 2026-09-23.

Who Is The Hartford Business Owner’s Policy For?

  • 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. 1Company-reportedBOP product page as read 2026-09-23.

Coverage Features of The Hartford Business Owner’s Policy

  • 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. 1Company-reportedBOP product page as read 2026-09-23.

The Hartford Business Owner’s Policy Limits and Retentions

  • 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. 1Company-reportedCompany-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business.

How Do You Apply for The Hartford Business Owner’s Policy?

  • 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. 1Company-reportedBOP product page as read 2026-09-23. Quote availability observed without completing a purchase.

The Hartford vs Other Business Owner’s Policy Providers

Other Coverage Lines From The Hartford

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Create your account and submit an insurance request online.

Talk to Spot