The Hartford Small Business Insurance Reviews 2021

The Hartford Business Insurance RatingsThe Hartford

The Hartford Small Business Insurance Reviews 2021 (Ratings, Complaints & Coverage)

The Hartford has been in business for more than two centuries. In that time, it has garnered a reputation as a solid, conservative insurance company. Over the years, it has racked up an impressive array of honors and awards in areas like ethics, climate leadership, and workplace diversity. In keeping with its mature nature, the Hartford partners with the AARP for home and auto insurance, and most of its property and casualty insurance business comes from this partnership.

The first insurer to create a dedicated small business unit more than 35 years ago, The Hartford is dedicated to providing small companies with the insurance coverage they need. It has provided insurance for over 200 years, and, today, it insures more than 1 million small business owners.


The Hartford offers a comprehensive suite of business insurance coverages to suit all types of companies. There’s general liability insurance and business property coverage, which many businesses will require. You can also add commercial auto, commercial flood, data breach or home-based business coverage if any of these apply to you. Business income insurance is another useful option that will pay to replace lost income if you’re unable to work due to a covered property loss. This kind of coverage can be a lifeline if your business is your primary source of income.


The most popular coverage is the Business Owner’s Policy. This combines several of the above coverage options and also includes errors and omissions coverage to help protect you in case you get sued. You can add extra coverages to this policy if you’d like, including workers’ compensation coverage, which pays your employees or your employees’ families in the event of a work-related injury, illness or death.

Other coverage options The Hartford offers include:

  • Commercial Umbrella Insurance
  • Employment Practices Liability Insurance
  • Management Liability Insurance
  • Marine Insurance
  • Multinational Insurance
  • Professional Liability Insurance
  • Workers’ compensation
  • Commercial auto
  • Professional liability
  • Cyber insurance

Employers interested in setting up a benefits package for their employees will be pleased to know The Hartford offers group life, accident and disability insurance as well as several other voluntary benefits you can add if you desire.


Like most insurance providers, The Hartford only provides specific pricing information after customers apply for a quote. However, the company recently updated its BOP endorsements to offer four levels of coverage options: Stretch, Stretch Plus, Super Stretch, and Premier Stretch. The lowest level, Stretch, covers the most common risks small business owners face and usually costs about $100 to add to a BOP.


  • The Hartford has a steady history in the market with a strong A+ financial strength rating through A.M. Best. 
  • You can find a wide variety of small business insurance types through the Hartford, like property insurance, liability insurance or workers’ compensation.
  • The Hartford has been identified as the World’s Most Ethical Company 11 times by The Ethisphere Institute.    
  • The digital quote experience was smooth for looking at a hypothetical sole proprietor business consultant operating out of the home with a $35,000 annual revenue. We looked at general liability insurance for a small business. 


  • The Hartford is a generalist company, covering all types of small businesses. That could be a con if you prefer a type of small business insurance from a company that only works with your industry. 
  • The consumer reviews through the J.D. Power 2019 U.S. Small Commercial Insurance Study are tepid. The company gets the lowest two rating across all metrics. 
  • In 2018, the Hartford had five workers’ compensation complaints and one liability complaint through the National Association of Insurance Commissioners. It had an overall 1.71 complaint index for all insurance types.    
Address: One Hartford Plaza
City: Hartford
State: CT
ZIP Code: 06155
Phone Number: (860) 547-5000
Fax: (860) 723-4289
AM Best Rating: A+
S&P Global Ratings: A+
Moody’s Rating: A1

3.29 (186 reviews)

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