--- title: "The Hartford Business Owner’s Policy" description: "What The Hartford Business Owner’s Policy covers, who it’s for, and its limits and retentions, cited to The Hartford’s own published sources." canonical: "https://spot.insure/insurance-providers/the-hartford/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" --- 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/insurance-providers/the-hartford/business-owners-policy) # 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. [1](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 - **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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [2](https://www.thehartford.com/legal-notice "Legal Notice") (Scope: BOP 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. [1](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 - 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. [1](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 - 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. [1](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 - 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. [1](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.) ## The Hartford Business Owner’s Policy Compared - [The Hartford vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-the-hartford/business-owners-policy) - [The Hartford vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-the-hartford/business-owners-policy) - [The Hartford vs Chubb](https://spot.insure/compare/chubb-vs-the-hartford/business-owners-policy) - [The Hartford vs Corgi](https://spot.insure/compare/corgi-vs-the-hartford/business-owners-policy) - [The Hartford vs Coterie Insurance](https://spot.insure/compare/coterie-vs-the-hartford/business-owners-policy) - [The Hartford vs Coverdash](https://spot.insure/compare/coverdash-vs-the-hartford/business-owners-policy) ## Other The Hartford Coverage Lines - [The Hartford Commercial Auto Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-auto) - [The Hartford Commercial Property Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-property) - [The Hartford Cyber Insurance](https://spot.insure/insurance-providers/the-hartford/cyber) - [The Hartford Employment Practices Liability Insurance](https://spot.insure/insurance-providers/the-hartford/employment-practices) - [The Hartford General Liability Insurance](https://spot.insure/insurance-providers/the-hartford/general-liability) - [The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/the-hartford/hired-non-owned-auto) - [The Hartford Inland Marine Insurance](https://spot.insure/insurance-providers/the-hartford/inland-marine) - [The Hartford Management Liability Insurance](https://spot.insure/insurance-providers/the-hartford/management-liability) - [The Hartford Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) ## Related - [The Hartford Profile](https://spot.insure/insurance-providers/the-hartford) - [The Hartford Reliability](https://spot.insure/insurance-providers/the-hartford/reliability) - [The Hartford Alternatives](https://spot.insure/insurance-providers/the-hartford/alternatives) - [Coverage Guide: Business owner’s policy](https://spot.insure/coverage/business-owners-policy) ## Sources 1. [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. 2. [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 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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