---
title: "Aon vs The Hartford: Commercial Property Insurance"
description: "The Hartford lists property, business-interruption, and claims-filing details; Aon describes broker-built property programs with catastrophe modeling and risk control."
canonical: "https://spot.insure/compare/aon-vs-the-hartford/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-the-hartford"
provider-a: "aon"
provider-b: "the-hartford"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-the-hartford/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of Aon and The Hartford for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Property Insurance questions about Aon versus The Hartford. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Aon vs The Hartford for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, Aon or The Hartford?
- What does Aon or The Hartford publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Property Insurance from Aon or The Hartford?

**Key facts:**
- Line: Commercial Property Insurance. Providers: Aon and The Hartford.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Aon vs The Hartford](https://spot.insure/compare/aon-vs-the-hartford) — parent: all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [Aon vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/aon-vs-the-hartford/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Crime Insurance](https://spot.insure/compare/aon-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Cyber Insurance](https://spot.insure/compare/aon-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford D&O Insurance](https://spot.insure/compare/aon-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford General Liability Insurance](https://spot.insure/compare/aon-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-the-hartford/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Management Liability Insurance](https://spot.insure/compare/aon-vs-the-hartford/management-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-the-hartford/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Commercial Property Insurance](https://spot.insure/compare/aig-vs-aon/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aig-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-aon/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group Commercial Property Insurance](https://spot.insure/compare/aon-vs-baldwin/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Beazley Commercial Property Insurance](https://spot.insure/compare/aon-vs-beazley/commercial-property) — sibling comparison (other line, or other pair for this line)

# Aon vs The Hartford: How Do They Compare for Commercial Property Insurance?

The Hartford lists property, business-interruption, and claims-filing details; Aon describes broker-built property programs with catastrophe modeling and risk control.

## Research Scope and Use

Use this comparison to evaluate Aon and The Hartford for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

The Hartford describes property and business-income coverage with online claim filing; Aon describes property brokerage, catastrophe analysis, and claims advocacy. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

## What Is Aon?

Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [2](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients")

[Aon profile](https://spot.insure/insurance-providers/aon)

## What Is The Hartford?

The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [4](https://www.thehartford.com/legal-notice "Legal Notice") [5](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [6](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Commercial Property Insurance?

Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [10](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## Key Differences in Commercial Property Insurance

### Property Scope and Business Income

The Hartford lists buildings, equipment, tools, inventory, furniture, and personal property against fire, burglary, theft, wind, and lightning, with business interruption for income lost during repairs. Aon describes property coverage for buildings and contents and says business interruption may be available. Compare the covered-property schedule and interruption trigger in each proposal. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management")

### Risk Services and Claims

Aon describes catastrophe modeling, risk control, and claims advocacy; The Hartford lets policyholders file a property claim online or by phone. These are different documented service details, so ask Aon who will advocate after a loss and The Hartford what claim support follows filing. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

### Package and Deductible Choices

The Hartford says property can be purchased standalone or in a BOP and that buyers select deductibles ranging from hundreds to thousands of dollars, with higher deductibles generally lowering premium. Aon describes broker-built programs but does not state whether it will package your coverage or which deductibles are available. Request the structures and deductible options from both. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management")

## What to Confirm in Commercial Property Insurance Quotes

- Which natural-water flood exclusion and deductible apply to The Hartford’s form, and is business income included?
- What standalone or package alternatives, limits, and claim advocacy will Aon arrange?

## Offering Details

| Criteria | Aon Commercial Property brokerage and risk-advisory offering | The Hartford Commercial Property Insurance |
| --- | --- | --- |
| Role in This Line | Aon describes property brokerage and consulting and says brokers work with insurance carriers to build a property program. Aon is marketing a brokered placement and risk-management service; the page does not name the insurer for an individual placement. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Company-reported; scope: Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance..) | The Hartford's commercial property insurance protects an owned or rented building plus the tools and equipment used to operate the business, and can be bought stand-alone or as part of a BOP. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23..) |
| Issuing Insurer | The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Not found in reviewed sources; scope: Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available..) | Confirm in your quote. |
| Who It’s For | Aon describes property-risk services for organizations seeking to protect property, buildings, contents and inventory. Its page is a global capability description and does not define an applicant eligibility schedule. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Company-reported; scope: Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state..) | The Hartford says any business that owns, rents or leases a building needs commercial property coverage, and names beauty salons, consultants, photographers, retail stores, restaurants and technology firms as common buyers; coverage also extends to leased or rented property, not just owned buildings. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23..) |
| Coverage Features | Aon describes commercial property insurance as protection against loss of property, buildings and contents or inventory from perils such as fire, natural catastrophe, theft and vandalism; it says insurance can also provide business-interruption coverage after property damage. These are general descriptions, not terms of a buyer’s policy. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Company-reported; scope: Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control..) | The Hartford says the policy covers losses from fire, burglary, theft, wind and lightning to a business's building, equipment, tools, inventory, furniture and personal property, and includes business interruption coverage for lost income during repairs. It explicitly excludes a customer dropping their own laptop, an employee's accidental interior damage to a client's property, vehicle accidents, and nearby flooding from a natural water source. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| Limits and Retentions | The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Not publicly disclosed; scope: Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed..) | The Hartford's customers pay about $1,605 a year on average for commercial property insurance, and deductible amounts can range from a couple hundred to a few thousand dollars, chosen by the buyer; a higher deductible generally lowers the premium. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Company-reported average and deductible range as of 2026-09-23; not a specific quote..) |
| Risk Services | Aon describes property brokerage and consulting for business interruption, captive integration, claims advocacy, catastrophe modeling, risk control and terrorism/crisis management. Its US-available Property Risk Analyzer models potential losses and insurance program options; tool availability does not establish placement availability. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Company-reported; scope: Company-reported brokerage and advisory services. Account-specific service terms are not stated..) | Confirm in your quote. |
| Claims Support | Confirm in your quote. | The Hartford lets buyers file a commercial property claim online or by calling 800-327-3638. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23. Describes intake, not claim outcomes..) |

## Full Comparison

- [Aon vs The Hartford](https://spot.insure/compare/aon-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [Aon vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/aon-vs-the-hartford/commercial-auto)
- [Aon vs The Hartford Crime Insurance](https://spot.insure/compare/aon-vs-the-hartford/crime)
- [Aon vs The Hartford Cyber Insurance](https://spot.insure/compare/aon-vs-the-hartford/cyber)
- [Aon vs The Hartford D&O Insurance](https://spot.insure/compare/aon-vs-the-hartford/directors-officers)
- [Aon vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-the-hartford/employment-practices)
- [Aon vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-the-hartford/fiduciary)
- [Aon vs The Hartford General Liability Insurance](https://spot.insure/compare/aon-vs-the-hartford/general-liability)
- [Aon vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-the-hartford/kidnap-ransom)
- [Aon vs The Hartford Management Liability Insurance](https://spot.insure/compare/aon-vs-the-hartford/management-liability)
- [Aon vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-the-hartford/workers-compensation)
- [AIG vs Aon Commercial Property Insurance](https://spot.insure/compare/aig-vs-aon/commercial-property)
- [AIG vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aig-vs-the-hartford/commercial-property)
- [Alliance Risk vs Aon Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-aon/commercial-property)
- [Alliance Risk vs The Hartford Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-property)
- [Aon vs The Baldwin Group Commercial Property Insurance](https://spot.insure/compare/aon-vs-baldwin/commercial-property)
- [Aon vs Beazley Commercial Property Insurance](https://spot.insure/compare/aon-vs-beazley/commercial-property)

## Sources

### Aon

1. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed.. Accessed 2026-09-29.
2. [Middle Market Clients](https://www.aon.com/en/capabilities/middle-market-clients). Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page.. Accessed 2026-09-29.
3. [Property Risk Management](https://www.aon.com/en/capabilities/risk-management/property-risk-management). Aon; Commercial property description and risk advisory approach, lines 123–140; risk modeling, benchmarking, claims support, risk analyzer and global market access, lines 146–168; contact link at top.. Accessed 2026-09-30.

### The Hartford

4. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
5. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
6. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
7. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; What Is Commercial Property Insurance?; Who Needs Commercial Property Insurance; How Much Is Commercial Property Insurance; What Doesn't Property Insurance for Commercial Buildings Cover?; What Is the Standard Deductible; Making a Commercial Property Insurance Claim. Accessed 2026-09-23.

### Commercial Property Insurance Guide

8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
9. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
10. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Aon Reviews

Review Score: 6.1 / 10 from 3 rated sources, equally weighted.

Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.

- J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com)
- BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291)
- BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aon/reviews).

## The Hartford Reviews

Review Score: 4.9 / 10 from 5 rated sources, equally weighted.

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/reviews).

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