The Hartford provides fast and free quotes to small businesses in search of a variety of small business insurance policies. Find out if The Hartford is a good fit for you.
WRITTEN & RESEARCHED BY
Editor & Senior Staff Writer
Last updated onUpdated
REVIEWED BY
Expert Contributor
| Total Rating |
4.3 |
|---|---|
| Pricing4.5 | |
| Features5.0 | |
| Customer Service3.0 | |
| User Reviews3.0 | |
Pricing
Pricing varies, with some average cost examples availableCoverage Options
Comprehensive coverage with customizable policiesQuote Speed
Usually same-dayTable of Contents
The Hartford is a long-established insurance provider offering a range of commercial insurance products for small businesses.
Its coverage options are designed to support a variety of industries, including retail, restaurants, consulting firms, and personal service businesses.
The Hartford also makes it easy to get a quote and customize your plan depending on the business insurance coverage you need.
| Pricing4.5 |
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| Affordability 4.3 |
| Transparency 5.0 |
As with most insurers, coverage costs vary based on your industry, location, number of employees, and selected policies.
The Hartford provides general pricing estimates on its website for some of its most common types of coverage, which can help set expectations.
For example, the company reports that the average cost of a business owner’s policy (BOP) is around $85 per month (approximately $1,019 annually). General liability insurance averages about $810 per year, while workers’ compensation insurance averages around $81 per month for businesses with less than $300,000 in payroll.
Actual costs will vary based on your specific business details, so you’ll need to request a personalized quote to determine your exact premium.
Getting a quote from The Hartford is a relatively straightforward process that can be started online.
You’ll begin by entering basic information about your business, such as your industry, location, number of employees, and number of business locations. From there, you can select the types of coverage you’re interested in, such as general liability or workers’ compensation.
Next, you’ll provide more detailed information about your business, including your contact details and coverage preferences. Based on this information, The Hartford will generate a quote or follow up with additional questions if needed.
If you’re unable to complete the process online or prefer speaking with someone directly, you can also request a quote by phone through a representative.
Maverick Tip: Can’t understand the insurance jargon on your new quote? You’re not alone! Check out our article on understanding your business insurance quote to learn the most common terminology, how to compare multiple quotes, and find other helpful resources.
| Features5.0 |
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| Types Of Insurance Offered 5.0 |
| Additional Services 5.0 |
In addition to offering a wide range of insurance products, The Hartford provides several tools and services designed to help businesses manage risk and streamline operations.
The Hartford offers a broad range of business insurance policies designed to meet the needs of many small businesses across different industries.
Here are some of the most common types of coverage available:
The Hartford is well-suited for small to mid-sized businesses looking for a wide range of coverage options and the ability to bundle multiple policies.
It can be a strong fit for businesses that need core coverage, such as general liability, as well as those with more complex needs that may benefit from additional services like risk management tools or claims support programs.
Larger businesses or those with specialized risks may also find value in The Hartford’s broader selection of policies and industry-specific solutions.
The Hartford offers multiple ways to file and manage insurance claims, with support available throughout the process.
Customers can file a claim by phone or online through The Hartford’s website. To get started, you’ll typically need your policy information and details about the incident.
The Hartford also provides step-by-step guidance during the claims process.
Customer feedback regarding The Hartford’s claims process is generally positive, with many policyholders reporting satisfactory outcomes and relatively smooth experiences.
However, some reviewers note delays in communication or concerns about coverage expectations, highlighting the importance of carefully reviewing policy details.
| Customer Service3.0 |
|---|
| Ease Of Claim Filing 4.0 |
| Customer Support 2.0 |
The Hartford offers a range of customer support options, though availability varies by channel.
| The Hartford Small Business Insurance Customer Service | Availability |
|---|---|
| Phone Support | |
| Email Support | |
| Support Tickets | |
| Live Chat | |
| Dedicated Support Representative | |
| Knowledge Base or Help Center | |
| Videos & Tutorials | |
| Company Blog | |
| Social Media |
General customer service is typically available during standard business hours for inquiries such as quotes or policy questions. The Hartford provides multiple contact methods, including phone and online forms, for certain types of coverage.
Claims support is available 24/7 by phone, so policyholders can report incidents or get assistance at any time.
While The Hartford offers several self-service tools and a relatively intuitive claims process, some users report difficulty reaching the appropriate department or delays in response times.
| User Reviews3.0 |
|---|
| User Feedback 5.0 |
| Review Site Aggregate 2.2 |
The Hartford has a generally positive reputation overall as an insurance company, with the bulk of online reviewers claiming they were satisfied with getting insured and/or filing claims.
The Hartford also has an A+ rating with the Better Business Bureau, but it is not accredited. The Hartford has over 200 customer complaints closed in the last 12 months on the BBB website.
Here’s what reviewers had to say:
There’s a lot to like about an insurance company that has been in the business as long as The Hartford. So much, in fact, that it’s one of our top picks for the best small business insurance companies.
If you need more specialized or niche insurance, The Hartford is a good place to start. With the ability to get a quick online quote and some basic, upfront rates, The Hartford allows you to quickly see if it’s a good match to be your business insurance provider.
Are you ready to find your perfect insurance provider? Check out our article for some easy steps to get business insurance that will help you get started!
The Merchant Maverick Seal of Approval 🏆
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The Hartford Small Business Insurance
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After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see The Hartford Small Business Insurance for yourself.
The Merchant Maverick Seal of Approval 🏆
|
The Hartford Small Business Insurance
|
|---|
After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see The Hartford Small Business Insurance for yourself.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
Our team of experts spends hours on every review so that we can find the best companies to recommend to our readers. The Hartford Small Business Insurance made the cut.
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