What does The Hartford's Spectrum business owners policy include?

The Hartford's Spectrum business owners policy bundles commercial property and general liability into a single policy for qualifying small and mid-size businesses. The Hartford is available through Olive Cover.

What coverages does the Spectrum BOP include?

The core policy combines property and general liability. From there, a Georgia business can typically add workers compensation, professional liability, and commercial auto under the same carrier relationship, rather than placing each line with a different insurer.

For example, a small Columbus retailer with property, liability, and a delivery van can place property, general liability, and commercial auto coverage together rather than juggling three separate carrier relationships.

Who handles a claim on a Spectrum BOP policy?

The Hartford routes commercial accounts to dedicated small-business claims teams rather than a general claims queue. A policy is a promise until something goes wrong; how a claim is documented and processed from the first call determines how quickly a business can reopen after a loss such as a fire, theft, or liability claim.

For example, a restaurant owner in Macon who suffers a kitchen fire needs both a liability determination and a property settlement handled promptly enough that the business is not carrying costs out of pocket while the claim moves.

Is The Hartford a fit for a business owners policy?

The Hartford has written commercial insurance for small and mid-size businesses since the company's founding in 1810. See which businesses typically qualify for a business owners policy, and see how carriers get matched to a business based on industry, size, and loss history.

Does a BOP substitute for reviewing your own coverage?

A BOP bundles two coverages into one policy; it does not set the right limits for a specific business on its own. Get a free coverage review to confirm your policy and limits match your actual exposure.