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Business Owner's Policy

Two Critical Coverages.
One Convenient Policy.

With one policy, your business is protected
against fire, theft, lawsuits and more.
  Rated 4.8/5 by Small Business Owners (314 Reviews)

The Hartford's Business Owner's Policy (BOP) combines two critical business insurance coverages: business property and business liability. With one convenient policy, you're protected against fire, theft, lawsuits and more. In addition, you can purchase optional coverages allowing you to tailor a policy that meets the unique needs of your business, today and as it evolves.

Business Property Insurance

The Hartford's property insurance can help protect the property your business owns, leases or rents, including things like buildings, equipment, inventory, furniture and fixtures. It provides coverage for damaged computers and media and loss of accounts receivable records.

Business Liability Coverage

When it comes to liability protection, the broader the coverage the better. That's why The Hartford's BOP insurance provides business liability insurance that covers your business in the event your business is responsible for causing harm to a person and/or damage to property. It also helps cover the cost of your defense.

Loss of Business Income

If unexpected events cause your operations to be suspended due to a covered cause of loss, The Hartford's BOP insurance will help replace any loss of income to help you meet your continuing financial obligations such as rent or payroll.

Data Breach Coverage

Offered as an optional coverage, data breach coverage provides you with access to professionals who can help you comply with regulatory requirements, provide guidance on how to help prevent a data breach and handle a breach crisis if one occurs. Response expense coverage can help to quickly restore confidence in your business or practice through notification to impacted individuals and can help pay for good faith advertising expenses, for example. In most states, coverage is also available for defense and liability expenses in the event you're sued because of a breach.

Employment Practices Liability Insurance (EPLI)

If you're a business that has employees, then you probably need insurance that helps protect you from employment related claims resulting from alleged or actual acts of:

  • Discrimination
  • Harassment
  • Retaliation
  • Violation of the Family Medical Leave Act
  • Wrongful discipline
  • Wrongful failure to promote
  • Wrongful termination

The Hartford's Business Insurance Policy (BOP) insurance automatically includes EPLI coverage, usually with a limit of $10,000* which helps protect you from the types of claims above. To help make sure that you have an insurance program that that's "just right" for you, we give you the flexibility to increase the amount of EPLI coverage that is automatically provided.

*EPLI is not available in every state, including CA, and may not be available in limits of $10,000 in states where coverage is offered.

A Strike Force for When Disaster Strikes

When your business suffers a loss, nothing is more important than getting you back up and running. We have several regional claim centers staffed by claims professionals who specialize in property and liability claims, and our catastrophe team swings into action after natural disasters like hurricanes and earthquakes.

With The Hartford behind you, you'll have the protection you need to help get you back in business quickly after a loss. And you can feel confident that you'll have the dedicated support, resources and expertise when you need it most.

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Coverage to help you protect your income in any weather. 

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Employment Practices Liability Insurance

Protect your business from employment related claims.

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