Techinsurance vs The Hartford: Business Owner’s Policy

TechInsurance reports a median BOP cost of $83 a month and arranges it through one online application; The Hartford offers an online BOP quote and reports customers paid an average of $1,687 a year.

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 TechInsurance and The Hartford Business Owner’s Policy?

Who Each Fits

TechInsurance says BOP savings typically go to businesses with fewer than 100 employees, under $1 million a year, a low-risk industry and a small commercial space. The Hartford sets no size cutoffs: it offers a BOP to any business with a physical location, lawsuit exposure or property that could be stolen or damaged, and tailors it by industry. Choose TechInsurance if you're a small tech firm inside its profile; choose The Hartford if you're larger or want other lines from the same insurer. [3] [4]

Reading the Price Figures

TechInsurance's $83 monthly median works out to about $990 a year; The Hartford's $1,687 yearly average is about $141 a month. One is a median and one an average from different customer bases, so the gap doesn't mean TechInsurance will quote you less. Use them only as rough budgets. [3] [4]

Gaps and Add-Ons

TechInsurance's BOP leaves out employee injuries, cyberattacks, business vehicles and, unless you add an endorsement, natural-disaster damage. The Hartford sells workers' comp, professional liability, commercial auto, data-breach cover and off-premises utility business income as add-ons, so it can fill those gaps in one place. TechInsurance says you typically get a certificate the same day you buy. [3] [4]

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

  • Compare actual quotes at matching limits and deductibles, not the published price figures. [3] [4]
  • Ask TechInsurance which insurer issues the policy and what the natural-disaster endorsement costs. [3]
  • Ask The Hartford which of its insurance companies issues the policy and which add-ons are attached. [5] [4]

Provider coverage details

TechInsurance

  • role: TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. Business owner's policy product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a BOP. Business owner's policy product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. Business owner's policy product page; general policy description, not a specific policy form.company-reportedSource ↗
  • eligibility: TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. Business owner's policy product page, Eligibility requirements for a BOP section.company-reportedSource ↗
  • limits: TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
  • application: You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. Business owner's policy product page.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 ↗

TechInsurance fits a tech firm under 100 employees and $1 million in revenue, and reports a median BOP premium of $83 a month. The Hartford, whose customers paid an average $1,687 a year, lets you add workers' comp, professional liability, commercial auto and data-breach cover to the same account.

Sources and records

  1. 01
    Business Interruption and Business Owner Policy

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

  2. 02
    Small Business

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

  3. 03
    Business Owner's Policy (BOP) Insurance – Compare Quotes

    TechInsurance · Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP? · accessed 2026-09-23

  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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