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The Hartford

Updated June 19, 2024

The Hartford has a long-standing history of helping small businesses dating back to 1810 when it started as a fire insurance company. Today the insurance company offers a range of small business insurance. It stands out for easily customizable plans, such as a business owner policy combining various coverages and add-ons. An extremely high financial strength rating of A+ from A.M. Best Rating backs the company.


  • High financial strength rating
  • Instant quotes available
  • Instant COI available
  • Wide range of coverage options
  • Straightforward claim process
  • Excellent workers compensation plan

  • No mobile app
  • Pricing is hard to compare
  • Medicore reviews
The Hartford logo
Best small business insurance

What is The Hartford?

If you’re looking for a range of small business insurance offerings and the ability to mix and match them for the right plan, then The Hartford is the right place. Offering nearly all the coverages you would need, The Hartford allows you to create a Business Owners Policy (BOP) that incorporates business property and liability insurance with one other such as business income. It also gives you add-on options to the policy, including data breach and worker’s compensation.

the hartford landing page screenshot

The Hartford business insurance landing page. Source: The Hartford website.

Get a Quote Visit The Hartford’s website.

The Hartford has been in business since 1810 and has had a strong financial rating for as long. It receives an A+ rating from A.M. Best Rating – the second highest rating a company can get. Furthermore, The Hartford offers instant quotes for most businesses, a 24/7 claims line, and multiple ways to submit and manage your claims online.

We did find it hard to compare the pricing of The Hartford to competitors. When comparing General Liability prices, The Hartford gave us the average price customers pay, while competitors gave us the lowest starting price. We were also disappointed to find that for most plans, you can’t just purchase them online – you have to call and order them over the phone. Once you have a plan, it’s easy to manage online, and you can request a COI within minutes and receive it within the same day.

The Hartford garners mixed reviews from users. Most complaints stem from customer service issues and long wait times. However, other reviewers find the customer service professional, helpful, and compassionate.

Is The Hartford legit?

The Hartford is a very legit company. It is the oldest company we have reviewed – in business since 1810, with a solid record of financial strength. The company offers small businesses the ability to customize their insurance coverage to match their needs, including the ability for small businesses to add data breach insurance to BOP plans. It also offers personal policies for home and auto and especially targets senior drivers. The claim process has been perfected over the years with multiple ways to report and manage your claim.

How much does The Hartford cost?

The Hartford general liability plans average $88/month.

Starting price:
$88 per month
The Hartford General Liability Pricing
Price Discounts Available Instant Quote Available
Starting at $88 /mo No Yes, in most cases

Additional Coverage Options:

  • Professional liability
  • Commercial property
  • BOP
  • Business income
  • Commercial auto
  • Cyber liability
  • Workers Compensation
  • Personal auto
  • Personal home

Which features does The Hartford offer?

Small Business Insurance Features
Instant quote and coverage: in most cases get an instant quote, call to complete the purchase process
COI: request a certificate or insurance online in under five minutes and recieve it the same day
Customizations: the BOP is designed to be customized for small businesses
Financial strength: carries an A+ rating from A.M. Best Rating
Claim process: process claims online or over the phone

Other notable features from The Hartford

  • 24/7 claim line
  • Large range of coverage and plans available
  • Employee benefits available

Get a Quote Visit The Hartford’s website.

The Hartford Customer Support

The Hartford Phone Number (new customers) 1-855-514-2567
The Hartford Claim Phone Number (existing customers) 1-800-327-3636
Customer Support Email Online form
FAQs Available
Knowledge Base Available

The Hartford user review highlights

We analyzed 79 user reviews about The Hartford from two third-party review websites to provide this summary.

The Hartford reviews are hard to come by, and of the ones we found in our research, many focused on home or auto insurance coverage, not small business coverage. That said, when it comes to small business insurance, The Hartford garners mediocre reviews. Many reviews agree that customer service is slow, sometimes taking up to a week to respond. In addition, users report that the customer service representatives aren’t always very helpful, some have been abrupt with customers, and customers are often put on long holds while the representative finds answers.

Despite some customer service complaints, we read positive reviews of The Hartford insurance company. Users appreciate how easy it is to customize and create a plan for precisely what they need for a reasonable price. Others have found that the claims process runs smooth and that the customer service reps handling claims are professional and compassionate.

  • Ease of Setup – there isn’t much set up required, users just need to call to purchase the plan they want, however some competitors allow users to do this online instead of calling.
  • Ease of Use – The Hartford user reviews report that processing a claim is easy.
  • Features – reviewers appreciate the ability to customize their plans to get exactly what they need, as well as an easy claim process.
  • Quality of Support – customer service gets mixed reviews. Some users find the customer service reps to be professional and compassionate, while others say they don’t know their own policies, there are long wait times, and it can take days for someone to respond.
  • Value for Money – overall most customers find The Hartford to be a good value for the money. The ability to create their own plans makes it more affordable for the amount of coverage needed.

The Hartford Contact Information

Parent Company:
Hartford, CT
Year Founded:

The Hartford alternatives

Software Starting Price B2B Reviews Score
The Hartford $88 / month 4.5
Hiscox Insurance $30 / month 4.5
Nationwide Request a quote 4.5

The Hartford Reviews

When we've collected enough reviews for a good sample, we'll publish them here.

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