Embroker vs The Hartford: Business Owner’s Policy

The Hartford reports its customers paid an average of $1,687 a year and lets you add professional liability or commercial auto; Embroker gives an online BOP quote for firms under 100 employees and lists its exclusions.

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 Embroker and The Hartford Business Owner’s Policy?

Who Qualifies

Both bundle property, general liability and business income, and both quote online; The Hartford also takes calls. The Hartford says a BOP fits any business with a location, lawsuit exposure or assets that could be stolen or damaged, and customizes it by industry. Embroker requires fewer than 100 employees and under $10 million in revenue, though a home office counts as a location. Choose Embroker if you're a small or home-based firm under those caps; choose The Hartford if you're bigger or want industry-specific options. [4] [1]

Add-Ons Versus Exclusions

The Hartford lets you add workers' comp, professional liability, commercial auto, data breach and off-premises utility income, which pays if a power or water outage elsewhere shuts you down. Embroker excludes cyber, professional liability, employment claims and crime from its BOP. It can endorse back professional liability, EPL and some property items, but not cyber. The Hartford keeps more of your risks on one policy. [4] [1]

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

  • Ask both which insurer issues the policy; neither product page names it. [5] [1]
  • If you need breach cover, compare The Hartford's add-on with a separate cyber policy alongside Embroker. [4] [1]
  • Get limits, deductibles and premiums from both; The Hartford's $1,687 is an average, and neither publishes limits. [4] [1]

Provider coverage details

Embroker

  • role: Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. Product-page description of the bundle; not a statement about the issuing insurer.company-reportedSource ↗
  • eligibility: Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all.company-reportedSource ↗
  • coverage: The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. Product-page coverage summary; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. Product-page What's not included and FAQ sections.company-reportedSource ↗
  • coverage: Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. FAQ section; specific endorsement availability depends on underwriting.company-reportedSource ↗
  • application: Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. Product-page 'Quick quotes' feature description; no quote was requested during this research.company-reportedSource ↗
  • services: The reviewed BOP page does not describe line-specific risk-control or loss-prevention services beyond general references to the Embroker Resource Hub and chat support. Product page as read on 2026-09-23; broader broker-wide services may exist elsewhere.not-foundSource ↗

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 takes businesses of any published size, can add data breach and workers' comp, and reports a $1,687 average annual premium. Embroker limits its BOP to firms under 100 employees and $10 million in revenue and leaves out cyber and employment claims.

Sources and records

  1. 01
    Business Owners Policy

    Embroker · Why it's essential; Who needs this coverage; What is a Business Owners Policy?; What's covered; What's not included; FAQ: Are there additional coverages available with BOP insurance?; Who benefits most from BOP insurance? · accessed 2026-09-23

  2. 02
    Business Interruption and Business Owner Policy

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

  3. 03
    Small Business

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

  4. 04
    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

  5. 05
    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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