Chubb vs The Hartford: Business Owner’s Policy

Chubb's BOP is available to small businesses up to $30 million in revenue, with 24/7 claims reporting; The Hartford reports an average $1,687 a year for its BOP and lists workers' comp and professional liability as add-ons.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-25

What Are the Key Differences Between Chubb and The Hartford Business Owner’s Policy?

Budgeting a Small Shop Versus Covering a Growing Company

The Hartford's $1,687 average works out to about $141 a month, a useful benchmark before you get quotes. Its BOP fits any business with a physical location, lawsuit exposure or property that could be stolen or damaged. Chubb publishes no price, and neither publishes standard limits. Choose The Hartford if you're a small, single-location business that wants a benchmark price; choose Chubb if you're approaching $30 million in revenue or operate abroad. [7] [1]

What You'll Need to Buy on Top

The Hartford is explicit that its BOP excludes workers' comp, professional liability, commercial auto and data breach; you add those separately. Chubb bolts more onto the BOP itself: data breach, employment practices, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime. Its Total Account Solution then packages umbrella, workers' comp, auto, management liability and cyber. If you want one insurer for everything, Chubb is set up for it. [7] [1]

What Should You Confirm in Chubb and The Hartford Business Owner’s Policy Quotes?

  • Ask The Hartford which of its insurance companies issues your policy; its BOP page doesn't say. [8]
  • Ask Chubb to confirm your business class is among its 500+ eligible classes. [1]
  • Compare data breach cover: built into Chubb's BOP as an enhancement versus a separate Hartford add-on. [1] [7]
  • Treat $1,687 as an average across customers, not your price. [7]

Provider coverage details

Chubb

  • role: Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. Chubb BOP product page; describes Chubb's own packaged small-business offering.company-reportedSource ↗
  • eligibility: Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting.company-reportedSource ↗
  • coverage: Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state.company-reportedSource ↗
  • limits: The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. Chubb BOP product page as read on 2026-09-23.not-foundSource ↗
  • services: Chubb markets a 'Total Account Solution' that lets a BOP holder add umbrella, workers' compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM coverage from the same carrier. Chubb BOP product page; each added line is underwritten and priced separately.company-reportedSource ↗
  • application: You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. Chubb BOP product page call-to-action sections for business owners and for agents and brokers.company-reportedSource ↗
  • claims: Chubb reports 24/7 claims reporting and a dedicated Small Commercial claims email address, and says 93% of policyholders with a paid claim from 2022-2025 were highly satisfied with their claim experience. Claims and report-a-claim pages describe claims handling across Chubb's commercial book generally, not exclusively for BOP; the satisfaction figure is a company-reported survey result.company-reportedSource ↗Source ↗

The Hartford

  • role: 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. BOP product page as read 2026-09-23.company-reportedSource ↗
  • coverage: 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. BOP product page as read 2026-09-23.company-reportedSource ↗
  • eligibility: 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. BOP product page as read 2026-09-23.company-reportedSource ↗
  • limits: 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. Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business.company-reportedSource ↗
  • application: 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. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.company-reportedSource ↗
  • insurer: 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. BOP page and Legal Notice as read 2026-09-23.not-disclosedSource ↗Source ↗

The Hartford is the only one of the two that gives you a price signal: its BOP customers paid $1,687 a year on average. Chubb is built for larger or more complex businesses, up to $30 million in revenue across 500+ classes, with add-ons like data breach and foreign liability.

Sources and records

  1. 01
    Business Owner's Policy (BOP) Insurance

    Chubb · Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM · accessed 2026-09-23

  2. 02
    Claims

    Chubb · 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey · accessed 2026-09-23

  3. 03
    Insurance for Technology Companies

    Chubb · Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses · accessed 2026-09-23

  4. 04
    Report a Claim

    Chubb · Email first-notice contacts, including Small Commercial [email protected]; phone, online and mail reporting options · accessed 2026-09-23

  5. 05
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  6. 06
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

  7. 07
    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

  8. 08
    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

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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