The Hartford Business Owner’s Policy
The Hartford Business Owner's Policy (BOP)
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-reported. BOP product page as read 2026-09-23.
Issuing Insurer
Not publicly disclosed. 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. 1,2BOP page and Legal Notice as read 2026-09-23.
Who It’s 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-reported. BOP product page as read 2026-09-23.
Coverage Features
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-reported. BOP product page as read 2026-09-23.
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-reported. 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
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-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.
The Hartford Business Owner’s Policy Compared
Other The Hartford Coverage Lines
Sources
- Business Owner's Policy (BOP) Insurance. 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.
- 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.
