Last Updated: February 16, 2024, 1:32 pm by TRUiC Team

The Hartford Business Insurance Review 2024

The Hartford is a Connecticut-based insurance provider offering many types of business insurance. The Hartford currently sells business insurance to over 1 million small businesses throughout the US.

Recommended: Check out our review of the best small business insurance companies.

The Hartford logo with a star rating of 3.75/5

The Hartford Business Insurance

Founded in 1810 in Hartford, Connecticut, The Hartford offers many types of business insurance. It offers general liability insurance and business property coverage. Small businesses can also purchase commercial auto, commercial flood, data breach, business income, and home-based business coverage.

The most popular coverage The Hartford offers is their Business Owner’s Policy (BOP), which combines several insurance products under one umbrella.


  • Many types of business insurances
  • Long history being in business
  • Solutions for many types of small businesses
  • Great customer service
  • Easy digital application process


  • Low J.D. Power ratings
  • Not an industry-specific insurer
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Recommended: Read our review of the best small business insurance companies.

Types of Insurance Offered by The Hartford

The Hartford provides many types of insurance to small businesses. The most common policy The Hartford sells is their Business Owner’s Policy, which combines several types of insurance under a single policy, like general liability insurance and commercial property insurance.

Additional types of insurance provided by The Hartford include:

  • Commercial Umbrella Insurance
  • Workers’ Compensation Insurance
  • Commercial Auto Insurance
  • Home-Based Business Insurance
  • Employment Practices Liability Insurance
  • Management Liability Insurance
  • Marine Insurance
  • Multinational Insurance
  • Professional Liability Insurance (Errors & Omissions Insurance)

Visit The Hartford’s website for a complete list of insurance types.

How to Get a Quote From The Hartford

  1. Visit
  2. Select “Business” from the top menu
  3. Select “Quote Today”
  4. Fill out an application
  5. Get a quote

The Hartford Review Ratings

Value — 4/5

Overall, The Hartford’s value works well for most businesses because they offer many types of small business insurance suitable for the majority of small businesses.

Customer Service — 3/5

The Hartford customer service is courteous and professional. Our overall experience was good; however, some online customer reviews do not rate The Hartford so favorably.

Ease of Use — 4/5

Applying for a Business Opportunity Policy was exceptionally easy. You just visit their website, and they walk you through a few steps to get a quote and you can purchase immediately with a credit card.

Included Features — 4/5

We like The Hartford’s approach to insurance because of their easy online application, quotes, and purchase system. This is the primary feature we like about The Hartford, but other features we like include:

  • Many insurance types
  • Professional customer service

Final Thoughts on The Hartford

The Hartford may be the right insurance solution for your business if you want a fast quote, quick check-out process, and need several types of small business insurances.

The Hartford makes purchasing small business insurance easy. The Hartford also provides professional customer service and insurance advice to ensure your business stays protected.

Our Approach

Choosing the best business insurance comes down to three things:

  1. The type of business you have
  2. What you need to insure
  3. Which insurer offers the best small business insurance quote

We selected the best business insurance providers by reviewing numerous insurance companies online. Then, we analyzed them to understand the types of businesses they best serve. And finally, we narrowed down what types of insurance they provide. 

We also looked into which insurers provide the best quotes, customer service, and any other aspect that makes them unique.

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Looking for the best policy at the best price? Check out our Best Small Business Insurance review.

The Hartford FAQs

Who is The Hartford?

The Hartford is an online business insurance service provider that offers many types of small business insurance. They have been in business since 1810 and service over 1 million small businesses.

Is The Hartford insurance legit?

The Hartford is a legal entity that has been in business since 1810. They sell business insurance. Insurance is a heavily regulated industry, so rest assured that The Hartford is a legitimate business.

What type of insurance do you need for a business?

All businesses should carry general liability insurance. It covers you and your employees against potential liabilities to third parties should your products or services cause bodily injury or property damage.

Can I purchase business insurance online through The Hartford?

The Hartford’s website does permit small business owners to apply for insurance through their website.

What’s the most popular small business insurance from The Hartford?

The Business Owner’s Policy (BOP) is the most sold small business insurance policy sold through The Hartford. This policy stacks different insurance together under a single policy.

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