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The Hartford Commercial Truck Insurance Review


ConsumersAdvocate.org Rating: 4.3 / 5 (Excellent)
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The Hartford is an insurance company that features group benefits, mutual funds, and property & casualty insurance. The company offers personalized policies that cover rental reimbursement, downtime loss, towing expenses, physical damage losses, and business protection for loss of income. The Hartford also has a "Fleet Ahead" program that identifies risks and prevent accidents. The program is designed to give extra protection for businesses and provide further savings when applying for commercial truck insurance.
 
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How is The Hartford rated?

Breakdown

4.3/5
Coverage
4.4/5
Total Costs
4.3/5
Extras

Overall Rating: 4.3 / 5 (Excellent)

The Hartford provides a lengthy list of coverage and options specifically tailored for the needs of commercial truck drivers and fleet owners. It provides plenty of information about its coverage online, making it easy for potential customers to be well-informed and know what they need before they speak to an agent. Its long history of over 200 years in business, and high scores from all the major credit agencies also set it apart in the marketplace.

The Hartford Coverage Options

Coverage - 4.3 / 5

The Hartford provides an impressive list of coverage options tailored to commercial trucks and fleet owners. The company protects commercial trucking businesses against on-site accidents, equipment damage and lawsuits resulting from accidents. Additional coverage items are also available for businesses searching for a more personalized approach to their commercial truck insurance needs.

Basic Coverage

Liability
Bodily Injury
Property Damage
Uninsured/Underinsured Motorist
Medical Payments
Collision
Comprehensive
Types of Vehicles Covered
Cars
SUVs
Pickup Truck
Utility Vans
Bucket Trucks

Additional Coverage

  • Loading & Unloading
  • Towing & Labor Costs
Truck-Specific Coverage
Motor Truck General Liability
Trailer Interchange
Motor Truck Cargo
On-Hook Towing Insurance

The Hartford Pricing & Discounts

Total Costs - 4.4 / 5

The Hartford offers a variety of discount opportunities on commercial truck policies. Depending on the state, these can include accident forgiveness, fender bender forgiveness for claims under $1,000, as well as discounts for trucks equipped with safety features like telematics monitoring, anti-lock breaks, anti-theft devices, and electronic stability controls.
Online Quote
No
Discounts
Paid-in-Full Discount

The Hartford Financial Strength

Financial Strength - 4.5 / 5

In business for over 200 years, the Hartford Fire Insurance (underwriter for the Hartford Auto insurance policies) enjoys a solid financial reputation and gets high marks from all major credit agencies.
Standard & Poor's Financial Rating
A+
Moody's Financial Rating
A1
AM Best Financial Rating
A+
Year Founded
1810
Company Type
Subsidiary/ Partner
Underwriter
Hartford Fire Insurance

The Hartford Customer Experience

Extras - 4.3 / 5

The Hartford is not accredited with the Better Business Bureau, however, it obtained a score of 9.4 out of 10 with TrustPilot. Additionally, it has a low complaint ratio score of 0.63 (the median complaint ratio is 1.00) with the National Association of Insurance Commissioners, with 5 complaints filed against them regarding involving their commercial auto products/services.
Trustpilot Rating
9.4 out of 10
NAIC Complaint Ratio 2017
0.63
NAIC Total Complaints 2017
5
Date Collected
2018-03-27

Company Profile

Full Name
The Hartford Commercial Truck Insurance
Company Website
https://www.thehartford.com
Headquarters
1 Hartford Plaza, Hartford, CT, 06115
Mailing Address
1 Hartford Plaza, Hartford, CT, 06115

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Top Rated
Our Partner
  • Business insurance broker that works with well-regarded insurers
  • Offers Cyber, Business Owners Policy (BOP), General Liability, Professional Liability (Errors & Omissions), Workers Compensation, Commercial Auto, Directors & Officers
  • Operates in all 50 states plus DC
  • Connects to customers via web interface or phone
  • Produces competing insurance offers for customers to choose among
  • Focuses on small- to medium-sized businesses
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