---
title: "Berkshire Hathaway Specialty Insurance vs The Hartford: Commercial Property Insurance"
description: "Berkshire Hathaway Specialty Insurance publishes a $100 million working-layer capacity figure and portfolio appetite guide; The Hartford describes property protection that includes business interruption for qualifying covered losses."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-the-hartford"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "the-hartford"
coverage-line: "commercial-property"
---

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

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance 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 Berkshire Hathaway Specialty Insurance 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:**
- Berkshire Hathaway Specialty Insurance vs The Hartford for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, Berkshire Hathaway Specialty Insurance or The Hartford?
- What does Berkshire Hathaway Specialty Insurance 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 Berkshire Hathaway Specialty Insurance or The Hartford?

**Key facts:**
- Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance 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:**
- [Berkshire Hathaway Specialty Insurance vs The Hartford](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-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
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/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 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 Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aon-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs The Hartford: How Do They Compare for Commercial Property Insurance?

Berkshire Hathaway Specialty Insurance publishes a $100 million working-layer capacity figure and portfolio appetite guide; The Hartford describes property protection that includes business interruption for qualifying covered losses.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance 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

Berkshire Hathaway Specialty Insurance’s published guide gives a $100 million working-layer capacity figure, while The Hartford describes covered building and contents losses plus interruption income during repairs. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") [10](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

## What Is Berkshire Hathaway Specialty Insurance?

BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch")

[Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

## 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. [7](https://www.thehartford.com/legal-notice "Legal Notice") [8](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [9](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. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [13](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## Key Differences in Commercial Property Insurance

### Portfolio capacity and interruption income

Berkshire Hathaway Specialty Insurance’s guide lists $100 million of working-layer capacity for its share, a placement figure rather than an insured limit. The Hartford describes coverage for buildings, equipment, inventory, furniture, and lost income while repairs follow a covered loss. Buyers comparing a larger portfolio with a single operating location should distinguish available market capacity from the actual property and business-income limits in a quote. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") [10](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

The Hartford identifies fire, theft, wind, and lightning among covered causes, while also naming exclusions such as nearby flooding from a natural water source and damage to a customer’s laptop. Berkshire Hathaway Specialty Insurance lists all-risk coverage and selected peril offerings. Confirm the specific form, exclusions, and interruption waiting period instead of assuming the all-risk label resolves every scenario. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") [10](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

### A portfolio submission versus a business package

The Hartford provides a more operational description of interruption income and named causes of loss, whereas Berkshire Hathaway Specialty Insurance gives portfolio-capacity guidance. Neither description substitutes for an address-level quote: schedule every building and contents value, then compare the interruption trigger, exclusions, and deductible against the capacity actually offered. [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

## What to Confirm in Commercial Property Insurance Quotes

- Ask Berkshire Hathaway Specialty Insurance how the quoted working layer translates into your scheduled values, attachment point, and share of risk.
- Ask The Hartford which interruption trigger and waiting period apply, and whether nearby surface-water flooding is excluded for your location.

## Offering Details

| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | The Hartford Commercial Property Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | 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. [10](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23..) |
| Who It’s For | BHSI targets property portfolios in sectors including public entities, finance, healthcare, education, manufacturing and retail. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") (Evidence: Company-reported; scope: Commercial property risks described by BHSI. Material limitation: Target-sector language is not a complete appetite guide or individual acceptance commitment..) | 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. [10](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 | BHSI lists all-risk commercial property and selected single-peril offerings such as earthquake, flood and windstorm. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") (Evidence: Company-reported; scope: US commercial property risks. Material limitation: Single-peril availability is separate from all-risk and depends on peril, state, risk and capacity..) | 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. [10](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 | BHSI’s general property appetite guide lists a $100,000 minimum premium per policy for BHSI’s share and $100 million working-layer capacity, with more capacity for selected risks. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") (Evidence: Company-reported; scope: U.S. general property appetite in guide dated 2026-02-10; per-policy premium applies to BHSI share. Material limitation: Working capacity is not an insured policy limit or quote. “More for select risks” is selective. Final terms, exclusions, issuer and availability require the policy/submission..) | 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. [10](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..) |
| Claims Support | Confirm in your quote. | The Hartford lets buyers file a commercial property claim online or by calling 800-327-3638. [10](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

- [Berkshire Hathaway Specialty Insurance vs The Hartford](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-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.
- [Berkshire Hathaway Specialty Insurance vs The Hartford Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/crime)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/cyber)
- [Berkshire Hathaway Specialty Insurance vs The Hartford D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs The Hartford General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/general-liability)
- [Berkshire Hathaway Specialty Insurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/inland-marine)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [AIG vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aig-vs-the-hartford/commercial-property)
- [Alliance Risk vs The Hartford Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-property)
- [Aon vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [Aon vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aon-vs-the-hartford/commercial-property)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/commercial-property)

## Sources

### Berkshire Hathaway Specialty Insurance

1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29.
2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28.
5. [Property](https://www.bhspecialty.com/us-products/us-property/). Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28.
6. [General Property Appetite Guide](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28.

### The Hartford

7. [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.
8. [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.
9. [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.
10. [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

11. [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.
12. [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.
13. [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.

## Berkshire Hathaway Specialty Insurance Reviews

Review Score: not enough ratings.

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/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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