Last Updated 26 October 2018 | By:

The Hartford Business Insurance Review

Are They A Good Fit For Your Company?

Hartford Business Insurance Review

When you need insurance for your business, it can be difficult to know which of the many carriers is the best choice. While shopping for insurance can be a hassle, it’s one or the most important steps in the early life cycle of any business. Getting the right coverages from a company you can trust is vitally important to your success as a business owner.

The Hartford is one of the most respected brands in American business insurance, but that doesn’t necessarily mean they’re a good fit for your company. This review will analyze The Hartford’s business insurance policies to help you determine if their service is right for you.

Pros and Cons of The Hartford Business Insurance


  1. The Hartford offers a fast, convenient online quote generator that will provide you with policy and pricing information in under ten minutes.

  2. The Hardford has excellent and attentive customer service representatives who reach out to customers within hours of submitting their quote request to offer further assistence.

  3. Founded in 1810, The Hartford is one of the oldest insurance companies in the United States, giving them experience and perspective you can trust.

  4. The Hartford offers a variety of policies for just about any business type. You can shop by policy or review their industry-specific insurance solutions for recommendations tailored to your line of business.

  5. The Hartford has over 50,000 customer reviews on their website, with a very high overall rating.


  1. While The Hartford enjoys excellent reviews on its own website, the distribution of positive and negative is wider on third-party sites, where they also have far fewer reviews. The discrepency between their site and others is worth noting.

What Kinds of Business Insurance Does The Hartford Offer?

With The Hartford, your business has a number of options when it comes to choosing the right policy. They offer both standalone policies and bundled Business Owner’s Policies (BOP). You can also opt to craft your own combination of policies to fit the specific needs of your industry. These are their most popular business insurance policies:

  • General Liability
  • Professional Liability
  • Commercial Property
  • Business Owner’s Policy (BOP)
  • Workers’ Compensation
  • Business Income
  • Data Breach
  • Commercial Umbrella

In addition, The Hartford sells insurance for a variety of professions grouped under the following broad industry headings:

  • Arborists and Landscaping
  • Associations
  • Business Services
  • Contractors and Construction
  • Cultural
  • Education
  • Energy
  • Finance and Insurance
  • Healthcare
  • Livestock
  • Manufacturing
  • Mass Media
  • Personal Care Services
  • Pet Services
  • Printing and Publishing
  • Professional and Specialty Services
  • Real Estate
  • Restaurants and Food
  • Retail
  • Security
  • Specialized Truck Equipment
  • Technology
  • Wholesalers and Distributors

How Can I Get a Quote From The Hartford?

While you always have the option of contacting an agent by phone, The Hartford’s excellent online quote generating tool is the fasted and most convenient way to obtain pricing information.

In less than ten minutes you can receive quotes for multiple policies to cover your business, with several options to specifically tailor the options to fit your needs. This is one of the best and most intuitive online insurance quote tools available.

How Does The Hartford Rank for Financial Strength?

When choosing an insurance carrier, it’s important to consider their financial stability and strength. When you file a claim, you never want to be concerned with your insurance carrier’s ability to cover your expenses. Fortunately, The Hartford has excellent financial strength ratings on A.M. Best and Standard & Poor’s, which is more than enough to overshadow the middling grade from Moody’s.

A.M. Best Financial Strength Rating: A+

“Assigned to insurance companies that have a superior ability to meet their ongoing insurance obligations.”

A.M. Best Issuer Credit Rating: aa-

“Assigned to entities that have a superior ability to meet their ongoing senior financial obligations.”

Moody’s Rating: Baa1

“Obligations rated Baa are subject to moderate credit risk. They are considered medium-grade and as such may possess speculative characteristics.”

Standard & Poor’s Financial Strength Rating: A+

“An insurer rated A has strong financial security characteristics, but is somewhat more likely to be affected by adverse business conditions than are insurers with higher ratings.”

How Much Does The Hartford Business Insurance Cost?

In general, it’s quite difficult to make fair cost comparisons among insurance providers. There are simply too many variables to consider. One provider may have a lower price for general liability insurance, while another offers cheaper property coverage. The level of benefits offered for the cost can also vary.

Generally speaking, though, The Hartford’s pricing is right around the industry average. They’re rarely the cheapest or most expensive provider, with most of their policies falling somewhere right around the middle when compared to their competitors.

Customer Reviews

Customer reviews can be a difficult thing to qualify. It’s impossible to determine exactly which policy each reviewer holds and the specific circumstances behind their experience. With insurance, in particular, anyone who has had to file a claim is likely dealing with a difficult situation. Still, there is value in examining how a typical customer views a company since it can give you a glimpse into their general customer support reputation.

When it comes to The Hartford, the quality of their feedback varies dramatically depending on where you look.

It’s unclear why the reviews on The Hartford’s own website vary so much in both volume and rating compared to their reviews on third-party sites. How you interpret this will depend on what source you trust the most.

One benefit of the reviews on The Hartford’s website is that they are divided by policy-type, allowing you to see the experiences of a variety of business insurance customers.

The positive reviews cite great service and fast response times. Negative reviews often cite poor customer service, a surprising lack of covered perils, and policies being canceled after even non-fault claims.

Final Thoughts

Final ThoughtsOverall, The Hartford earns a score of 4.5 out of 5. They offer a nice variety of quality commercial insurance policies, their prices are affordable, and their online quote generating tool is a great feature.

In addition, they have a wealth of experience, their customer support is quite good, and their financial strength ratings inspire confidence in their operations. All told, there’s a lot to like about what The Hartford has to offer their commercial clients.