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As a business owner myself, I know how crucial it is to have the right insurance coverage. After doing extensive research, I wanted to share my findings on The Hartford and their business insurance products. This article will provide an in-depth look at The Hartford including reviews from other business owners the coverage options offered, and whether The Hartford is the right choice for your company.
About The Hartford
The Hartford is one of the largest business insurance providers in the United States. They offer a wide variety of policies for companies of all sizes and across 60+ industries. The Hartford has an A+ (Superior) financial strength rating from AM Best, indicating excellent financial health.
Some key facts about The Hartford:
- Founded in 1810, over 200 years of experience
- Provides coverage in every state except Alaska and Hawaii
- More than 1 million business insurance policies
- Coverage for companies with up to 1,000 employees
- Specialized coverage by industry type
The Hartford Business Insurance Reviews
I looked at reviews from multiple sources to get a well-rounded perspective on The Hartford’s business insurance products and customer service Here’s a quick summary
- J.D. Power: 2/5 stars; low customer satisfaction scores compared to competitors
- BBB: 1/5 stars; over 300 complaints in the past 3 years
- Google: 2.4/5 stars; mixed reviews praising coverage but citing poor claims experiences
The most common complaints involved claims denials, delays in processing claims, and poor customer service. While they offer comprehensive policies, The Hartford seems to struggle on the service side based on these reviews.
The Hartford’s Coverage Options
Despite the mixed reviews, The Hartford offers a wide array of customizable business insurance policies:
Business Owner’s Policy (BOP): A BOP combines general liability, property damage, and business interruption insurance into one policy. The Hartford allows you to add professional liability, cyber liability, and utility coverage.
General liability insurance: Covers third-party property damage and bodily injuries. Limits from $300K to $2M.
Professional liability: Protects against claims of negligence or errors. Limits from $250K to $2M.
Workers’ compensation: Covers injuries and illnesses related to work. Includes a network of over 1M healthcare providers.
Commercial property: Protects company property and possessions from damage or theft.
Commercial auto: Covers vehicles used for business purposes.
Umbrella insurance: Additional liability coverage beyond general liability policy limits.
Data breach: Protects sensitive customer and company data from breaches.
EPLI: Covers employment-related lawsuits and claims.
They also offer industry-specific policies for restaurants, contractors, consultants, and more. Policies are customizable with add-ons.
Is The Hartford Right for Your Business?
While The Hartford offers comprehensive coverage options, their poor customer service reviews give me pause. However, they may still be a good fit for your business if:
- You want robust coverage choices and customizable packages
- Your business is in one of their speciality industries
- Price is your main consideration
Top The Hartford Competitors
If customer service is a priority, I recommend getting quotes from these top competitors as well:
- Next Insurance: Easy online quotes, great reviews, customized policies
- State Farm: Greatest customer satisfaction scores in JD Power study
- Travelers: Wide variety of coverages, strong financial ratings
The Bottom Line
Taking the time to shop around and compare multiple providers is crucial to finding the right fit. While The Hartford offers comprehensive policies, their reputation for claims and customer service is concerning. I recommend comparing quotes from The Hartford along with top-rated competitors before making your final business insurance decision. At the end of the day, having an affordable policy from a responsive provider you can trust is most important.
The Hartford general liability insurance
The Hartford offers general liability insurance with coverage limits ranging from $300,000 to $2 million. You can get a quote online, but you’ll need to speak to an agent to purchase the policy.
General liability insurance is recommended for all business owners. It usually covers harm to someone’s body, damage to someone else’s property, harm to a customer, harm to advertising, medical bills, and the cost of a legal defense. If your business is sued, general liability insurance can help cover legal fees and settlements.
Liability coverage only applies to third-party claims, such as employee injuries. It doesn’t cover theft or damage to your property, for example.
The Hartford professional liability insurance (errors and omissions insurance)
Hartford professional liability insurance is meant to protect companies from real or imagined mistakes and omissions in the professional services or advice they give. Your business may need this kind of insurance protection if it provides services to customers for a fee.
You can get professional liability insurance from Hartford with limits between $250,000 and $2 million. You can also make your coverage fit the needs of your business and industry. Someone who works as a freelance coder might need coverage for software copyright infringement, but a hair salon owner might not.
The Hartford professional liability insurance covers:
- Actual or alleged negligence, like not following directions, making mistakes at work, getting bad advice, or not finishing the work
- Legal defense costs.
The Hartford Small Business Insurance Review
FAQ
Is Hartford good at paying claims?
How much is insurance for a business in The Hartford?
How does the Hartford Insurance company rate?
Does the Hartford offer business insurance?
Policyholders can customize their insurance coverage with The Hartford with a business owners policy, workers’ compensation, general liability, and more. Before buying a policy, evaluate the level of coverage your business needs, the value of your business assets, and your level of risk.
Does the Hartford offer general liability insurance?
The Hartford offers general liability insurance with coverage limits ranging from $300,000 to $2 million. You can get a quote online, but you’ll need to speak to an agent to purchase the policy. General liability insurance is recommended for all business owners.
Is the Hartford a good fit for your business?
The Hartford may be a good fit for your business if: You want a robust business owner’s policy. The Hartford allows you to add data breach and professional liability insurance to its BOP. If your business needs either of those important types of coverage, tacking them onto your BOP may help you save money.
What types of insurance does the Hartford offer?
Policies and Coverages: The Hartford offers several small business insurance products, including workers’ compensation, professional liability, cybersecurity, and medical malpractice insurance.The carrier has industry-specific coverage options for nonprofits and associations, skilled trades, health care, and more.