What Are the Key Differences Between CNA and The Hartford Business Owner’s Policy?
Base cover and separate protections
The Hartford describes a BOP combining commercial property, general liability, and business income, with off-premises utility interruption available as an add-on. It lists workers’ compensation, professional liability, commercial auto, and data breach as outside the base policy. CNA Connect names property and income categories and more than 300 optional endorsements. Ask which additions attach to each BOP and which need separate contracts. [4] [1]
Fit, quote, and price context
The Hartford says its BOP can be customized for specific industries and offers an online quote flow or phone start. It reports that customers paid an average of $1,687 a year, but does not publish standard limits or deductibles. CNA says Connect serves more than 600 classes with adjustable limits. Compare quotes using the same locations, values, class, and selected limits rather than relying on the reported average. [4] [1]