Gallagher vs The Hartford: Business Owner’s Policy

A BOP from The Hartford costs its customers an average of $1,687 a year by its own report, with an online quote and customizable add-ons; Gallagher arranges a BOP with partner carriers.

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 Gallagher and The Hartford Business Owner’s Policy?

Whether a Closure Is Covered From Day One

If a burst pipe closes your shop for a month, The Hartford's base BOP pays lost income, and you can add cover for off-site utility outages. Gallagher's BOP page describes liability and property for rented space and equipment but doesn't name lost income as part of the package. The Hartford sells its own policy, while Gallagher places yours with a partner insurer. Choose The Hartford if you depend on one location and can't absorb a shutdown; choose Gallagher if you rent your space and want an advisor to shop partner insurers. [5] [1]

Price Guidance and Getting Help

The Hartford says BOP customers paid an average of $1,687 a year, about $141 a month. Gallagher publishes no price range; you request a quote online, call its weekday advisor line or book a callback. The Hartford also takes quotes online or by phone. [5] [1]

What Neither BOP Covers

The Hartford leaves workers' comp, professional liability, commercial auto and data breach out of the BOP but sells them as add-ons. Gallagher likewise excludes employee injuries and malpractice, and doesn't say what it adds on. Either way, plan to buy those separately. [5] [1]

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

  • Ask The Hartford which of its insurance companies issues your policy; its legal notice says this varies by product and state. [6]
  • Ask Gallagher which partner insurer issues the policy. [1]
  • Ask Gallagher whether lost income is on its form, and ask The Hartford which add-ons are priced into your quote. [5] [1]
  • Treat $1,687 as an average, not your premium. [5]

Provider coverage details

Gallagher

  • role: Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. Gallagher Small Business's direct-to-small-business BOP product page.company-reportedSource ↗
  • coverage: Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. Product page coverage overview; the issued policy and its exclusions control.company-reportedSource ↗
  • coverage: Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.company-reportedSource ↗
  • eligibility: Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting.company-reportedSource ↗
  • insurer: The BOP product page does not name the insurer that would issue a given business's policy. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.not-disclosedSource ↗
  • limits: The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. Checked the BOP product page on 2026-09-23.not-disclosedSource ↗
  • application: Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. Product page "Get Covered Now" section.company-reportedSource ↗

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's BOP includes lost-income cover in the base policy and comes with a $1,687 average annual premium to budget against. Gallagher arranges a partner insurer's BOP for liability and rented space, with no published price and no lost-income cover named in the bundle.

Sources and records

  1. 01
    Business Owners Policy

    Gallagher Small Business · Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now · accessed 2026-09-23

  2. 02
    Connect With an Advisor

    Gallagher Small Business · Form fields from company name through annual revenue; acknowledgment · accessed 2026-09-16

  3. 03
    Business Interruption and Business Owner Policy

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

  4. 04
    Small Business

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

  5. 05
    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

  6. 06
    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.

Contact Montgomery Risk Partners