The Hartford Small Business Insurance Review

Pros

• 24/7 claim service
• Wide variety of policies

Cons

• Not available in Alaska or Hawaii
• Need to talk to an agent to purchase a policy

Overview

The 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.

The Hartford Small Business Insurance Pricing

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.

A Business Owner’s Policy will cost $261/month or $3,135/year for an average small business.

General liability insurance, on average, would cost $88/month or $1,057/year, and workers’ compensation insurance would cost $70/month or $840/year. But each business is different with varying insurance needs, so you will need to go through the process of getting a quote.

How To Get A Quote From The Hartford

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.

The Hartford Business Insurance Features

While The Hartford is primarily known for offering a wide range of insurances, they also have some unique tools that can help businesses out with their insurance needs:

The Hartford Business Insurance Coverage Options

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:

• Business Owner’s Policy
• General Liability
• Home-based business
• Worker’s compensation
• Inland Marine
• Business income interruption
• Commercial umbrella
• Commercial auto
• Employee practices
• Commercial flood
• Management liability
• Commercial property
• Cybersecurity
• Multinational
• Professional liability

Best Suited For…

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 Claims

The Hartford gives you a few options when it comes to filing a claim and they are all quite simple. They have 24/7 claim support so someone will always be there to answer the phone to talk you through the process or answer questions.

How To File A Claim With The Hartford Business Insurance

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.

Customer Satisfaction With The Hartford Business Insurance Claims

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 Service & Support

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 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.

The Hartford Business Insurance Reviews

The Hartford has a very positive reputation overall as an insurance company, with the bulk of online reviewers claiming they were satisfied with getting insured and/or filing claims. We gave them a 3.0 out of 5 in this category based partly on the average customer review score on credible websites like Trustpilot and Consumer Affairs.

They also have an A+ rating with the Better Business Bureau, but they are not accredited. The Hartford has 644 customer complaints closed and 224 customer reviews in the last 3 years on the BBB website.

Here’s what reviewers had to say:

Negative Reviews Of The Hartford

Positive Reviews Of The Hartford

Final Thoughts On The Hartford Small Business Insurance

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!

Business Insurance Review Methodology

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.

• Pricing: 45% of the total star rating
• Features: 30% of the total star rating
• Customer Support: 20% of the total star rating
• User Reviews: 5% of 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 🏆

The Hartford Small Business Insurance	Visit Site

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	Visit Site

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.