The Hartford Business Insurance Review

The Hartford - Overview

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.

Coverage

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

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.

Services and Features

The Hartford's website provides detailed overviews of each type of coverage so you can select the one that's best for you. It also appears to have a quote tool where you can fill out information about the type of business you have, the number of employees and the types of coverage you're interested in. Once you've filled out all your information, it informs you that a representative will soon be in touch. If you want more immediate results, you can reach out to the company by phone to get a quote.

Your representative will contact you to discuss your needs and explain all of The Hartford's available coverage options if you have questions. This is helpful to all business owners, but especially to new business owners who may be unsure about which coverage options their business requires. The Hartford's emphasis on personalized assistance helps ensure all of its customers end up with the appropriate insurance.

Customer Support

You can file a business insurance claim online through The Hartford's website and track your claim's progress online so you can stay in the loop. Phone support is also available if you have questions about your policy or billing. You can also send support tickets to The Hartford through your online account once you've set it up. The company doesn't appear to have a live chat option, but this isn't especially unusual among business owners and shouldn't pose an issue for most clients.

The Hartford - Summed Up

The Hartford is a solid choice for business insurance because of the company's many policy options and financial strength. Hartford received an A+ from Standard and Poor's, an A1 from Moody's, and an A+ from A.M. Best, which are among the highest ratings these agencies offer. The company has also been in operation since 1810 so customers can be assured it will be able to meet its financial obligation in terms of creditworthiness and claims paying ability. It's also great that The Hartford allows customers to wrap additional types of business insurance into their policies including data breach insurance, workers comp, and commercial auto insurance.