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Coverage options |
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Can file claims online | Yes |
Pricing | $52-$275 monthly |
Suitable for | Any size company needing business insurance, including those with commercial premises and home-based businesses. Those seeking specialist services like surety bonds. |
Online Experience | Useful online quiz, online quote form, and detailed website. No mobile app. |
The Hartford has been around for over 211 years and offers an array of insurance products for your business. It also offers auto and home insurance and a range of employee benefits. Whether you need to cover your business premises for damage or protect yourself against the cost of legal suits, The Hartford has suitable insurance for you. There are even policies that will ensure an income for your business if property damage stops you from trading.
The Hartford has a wide range of insurance types for different kinds of businesses, whether you work from home or have commercial premises. It’s a well-established provider, with a website that walks you through the details to help you choose the policies that are right for you. There’s even a directory of state employment laws to help you navigate this complex area.
Something I really like about The Hartford is that its insurance doesn’t just cover damage to premises. You can also find policies that cover you for the cost of legal bills—for example, if you’re involved in a dispute over wrongful termination, or subject to a cyber attack (essential for modern businesses collecting and storing customer data electronically).
The Hartford also goes above and beyond traditional forms of business insurance to offer you some more unusual services to protect your business. These include surety bonds that you can use to guarantee payment to your customers and suppliers if you can’t deliver your services— particularly useful in businesses like construction.
If your business has a high risk of employee injury, you might also find the Hartford Productivity Advantage system helpful. This links up absence reporting for your employees with claims for workers’ compensation, making processes more streamlined, and helping you avoid costly legal suits.
The Hartford offers a really wide range of business insurance types, so no matter what your business needs are, you should be able to find policies to suit you. Types of insurance on offer include the following:
General liability insurance: Covers you for claims against your business, for example, injury or property damage.
Business income insurance: Replaces your income if you can’t operate due to property damage.
Business property insurance: Covers your business premises for damage, destruction, and theft.
Business owners policy (BOP): This policy combines business/commercial property insurance, general liability insurance, and business income insurance.
Workers’ compensation insurance: Provides employees with medical, income, and other benefits if they’re injured or become sick at work. This is enhanced by:
Risk engineering: The risk team can help you proactively avoid potential issues surrounding workers’ compensation, like safety evaluations.
The Hartford Productivity Advantage: A coordinated claims service and employee absence reporting service.
Commercial auto insurance: Covers the cost of an auto accident caused by you or an employee.
Commercial flood insurance: Covers flooding caused by a range of situations, including hurricanes, rain, and construction.
Commercial umbrella insurance: This increases your liability coverage if the cost of a lawsuit exceeds your existing coverage limits.
Data breach insurance: This insures your business for costs arising from data breaches, hacks, or cyberattacks.
Employment practices liability insurance: This covers you for costs relating to employment claims, including wrongful termination, discrimination, and workplace harassment.
Home-based business insurance: This makes sure you’re covered in areas like property damage, employment issues, and lawsuits, even if you work from home.
Management liability insurance: This protects your management team specifically from financial harm.
Marine insurance: This covers cargo (and vehicles carrying it)—and not just by sea. Despite the name, marine insurance actually covers land cargo as well.
Multinational insurance: This covers businesses with operations outside the United States.
Professional liability insurance: If you’re found negligent in your professional services, this will cover you.
Surety bonds: These guarantee that your customers and suppliers will be paid even if you can’t complete your services.
To obtain business insurance, you first need to obtain a quote from The Hartford. You can do this on the phone or online. The online quote form takes just a few minutes and requires you to input some information about your business as well as your contact details.
A representative from The Hartford will then call you to walk you through the application process. I would have found it useful to be able to get an instant quote directly on the website, to make the process quicker and easier. However, there’s a quick quiz on the website that you can take before getting your quote, to find out which insurance policies might be helpful.
The exact cost of your policy will depend on several factors, including the nature of your business and the type of cover you want to purchase. However, The Hartford helpfully gives average annual figures to help you work out how its most popular policies might fit into your budget:
Package | Average monthly cost |
Business owners policy (BOP) | $261 |
General liability insurance | $88 |
Workers’ compensation insurance | $52-$275 |
As The Hartford collects and deals with lots of sensitive information as part of its insurance processes, it’s committed to keeping this protected. There are privacy and security policies in place to help it maintain data safety, and it uses encryption, although the exact type is not made clear.
The Hartford has been around for a long time, which suggests stability, but there have been some negative customer reviews. These relate to problems with the claims process and customer support. On Trustpilot, the company has an average rating of 1.3/5 (based on 71 reviews as of March 2023), while on the Better Business Bureau, the company’s average rating is 1.05/5.
It’s worth noting that these reviews cover all of The Hartford’s insurance products. When we look specifically at business services, workers’ compensation reviews from The Hartford’s own website give the service an average of 4.8/5. The general liability insurance is also rated an average of 4.8/5.
The Hartford’s website has some detailed articles on insurance and how to use it, which is a great place to start if you need support. For phone support related to business insurance, you can get in touch with an agent between 8am and 8pm (ET), Monday-Friday, on 866-467-8730.
These extended phone hours are useful, but I think it would be helpful to also have a live chat available through the website for urgent queries.
The Hartford has a very wide choice of business insurance solutions, suitable for protecting many kinds of businesses against the cost of all sorts of difficult situations. Its service doesn’t just stop at basic insurance policies, however—it also includes more complex support like risk management, as well as integrated absence monitoring and employee claims processes.
The Hartford’s insurance isn’t available in every state, and I think it’s a shame there isn’t more support available online. Even the application process needs to be completed over the phone, for example, and there’s no live chat support.
However, with so many types of insurance on offer, and so much information on the website to help you set up your insurance (including a quiz), it’s worth exploring what The Hartford has to offer.
The Hartford Financial Services Group, Inc.
690 Asylum Avenue
Hartford, CT 06155
We created this review using The Hartford’s website, plus reviews from Trustpilot and the Better Business Bureau.
