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.
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REVIEWED BY
Expert Contributor
| Total Rating | 4.3 |
|---|---|
| Pricing4.5 | |
| Features5.0 | |
| Customer Service3.0 | |
| User Reviews3.0 | |
Pricing
Varies. Average general liability is $810/yearTypes of insurance offered
30+ policy typesTime to receive quote
Usually same-dayThe Hartford is one of the largest and oldest insurance companies in the United States and offers a range of services, including different types of business insurance for companies of all sizes. The Hartford small business insurance is offered for nearly every kind of establishment, from retail businesses and restaurants to more niche endeavors like consulting firms and beauty shops.
The Hartford also makes it easy to get a quote and customize your plan depending on the business insurance coverage you need.
Table of Contents
| Pricing4.5 |
|---|
| Affordability 4.3 |
| Transparency 5.0 |
As with most insurance companies, how much you can expect to pay isn’t set in stone.
The cost of business insurance will depend on what kinds of insurance you want to purchase for your small business as well as how much and what you want to be covered.
The Hartford does a nice job of providing insight on its website as to what you might generally expect to pay for some of its most popular types of insurance.
The average cost of a Business Owner’s Policy is $85/month or $1,019/year for a small business.
General liability insurance, on average, would cost $810/year. Workers’ compensation insurance costs an average of $81/month for customers with less than $300,000 in payroll, with policies starting at just $13/month. But each business is different with varying insurance needs, so you will need to go through the process of getting a quote.
Screenshot of The Hartford’s Small Business Insurance Quote Calculator
Getting a free quote from The Hartford is a simple process and shouldn’t take more than 10 minutes. You’ll first need to enter basic information about your business, including keywords, number of locations, number of employees, and where your business is located.
From there, you can select what type of insurance you’re interested in (general liability, worker’s compensation, benefits, etc.). You will then provide more specific information about your business, providing the name and physical address of your establishment, your name, and an email. Lastly, you can input how much coverage you are looking for, and you should receive a same-day quote.
If, for some reason, you aren’t able to receive a quote online, you can also call The Hartford to talk to a representative and get a quote over the phone.
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 |
|---|
| Types Of Insurance Offered 5.0 |
| Additional Services 5.0 |
While The Hartford is primarily known for offering a wide range of insurances, it also has some unique tools that can help businesses out with their insurance needs:
The Hartford offers nearly any type of business insurance a typical small business might need and makes it easy to navigate its coverage online or through its app.
Here are just some of the more popular types of business insurance you can get through The Hartford:
Just about any size business! Even if you’re only looking for general liability insurance, The Hartford has upfront and relatively affordable rates while giving you access to some of its other perks. It’s also ideal for mid-sized and larger businesses that may need more niche features or who could utilize things like its Productivity Advantage.
We chose The Hartford as one of the best general liability insurance providers for larger businesses
The Hartford gives you a few options when it comes to filing a claim and they are all quite simple. There is 24/7 claim support so someone will always be there to answer the phone to talk you through the process or answer questions.
You can always contact The Hartford by phone but you can also file claims online in two different ways. The first is by visiting the company’s website. There you simply select what type of insurance claim you want to make. You will need your policyholder information, and knowledge of how the incident occurred, and then the site will prompt you for additional more specific information.
The Hartford also eagerly directs individuals to use DoNotPay to file claims. You can open the site on your browser and, again, add your policyholder information along with the type of claim you’ll be submitting at the site quickly and efficiently walks you through the process.
Compared to other insurance companies, The Hartford receives predominantly positive reviews when it comes to claims being fulfilled. The vast majority of reviewers online were happy with both how quickly the process was and the amount of compensation they received.
Of course, some reviewers claimed that they were misled by The Hartford in terms of what their policy actually covered and some complained about the length of time it took for representatives to get back to them. However, those complaints appear to be largely in the minority.
| Customer Service3.0 |
|---|
| Ease Of Claim Filing 4.0 |
| Customer Support 2.0 |
We gave The Hartford a lower score in the Customer Service category (3.0 out of 5) because of the lack of 24/7 general phone support, live chat option, and dedicated support representative.
It gained some points back because there are several self-help support options and the claim filing process is fairly intuitive.
| 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 |
The Hartford has different phone numbers to use for different needs. Most of the lines can be reached at normal business hours EST on Mondays through Fridays. That includes questions about quotes, flood insurance, or basic insurance questions.
There are also email forms you can fill out for livestock or marine insurance.
If you want to file a claim, you can do it online, or you can reach an agent 24/7 by phone. This includes workers’ compensation or general liability claims. The Hartford can also be reached via email and is active on its social media platforms.
| 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 has been. 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!
We spend hours researching and evaluating each business insurance provider we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.
When rating business insurance companies and policies, we use a 26-point rubric that looks at pricing, features, customer service, and user reviews. We weigh each section differently to calculate the total star rating.
Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like the relative cost of policies compared to industry standard, the transparency of pricing, and how many types of business insurance are offered. We also check to see whether the insurance provider offers multiple ways to file claims and how difficult the filing process is, awarding higher rankings to those that provide excellent customer support and an intuitive process.
Read more about how we rate business insurance companies.
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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