Chubb vs 
The Hartford: How Do They Compare for General Liability Insurance?
The Hartford sells GL stand-alone or in a Business Owner's Policy and reports average premiums of about $810 a year. Chubb has no standalone GL on its public pages; it packages GL in its BOP and other policies or pairs it with pollution cover in GL Plus.
Chubb doesn't sell general liability as a standalone monoline product, while The Hartford sells it as a stand-alone policy or bundled into a BOP and reports an average premium of about $810 a year for its customers. 1,4,5
What Are the Key Differences Between Chubb and The Hartford General Liability Insurance?
Two Ways to Buy Around Bundling
The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. 5Company-reported. General liability product page as read 2026-09-23.
Chubb's reviewed pages don't describe that same optionality; general liability isn't sold standalone at all, only packaged inside BOP, Benchmarq, Customarq or GL Plus. 1
A Published Average Premium vs. None
The Hartford reports average GL premiums of about $810 a year ($67 a month) for its customers, and says cost varies by business type, revenue, employee count, location, coverage limits/deductibles and claims history; the page does not publish standard limit or deductible amounts. 5Company-reported. Company-reported average as of 2026-09-23; not a specific quote.
Chubb's reviewed pages don't publish a comparable average; they don't disclose specific limits, sublimits or premiums for any of its package products. 1
Who Each Company Names as Its Target Market
The Hartford names specific professions its general liability product targets, including architects, engineers, photographers, hair salons, gym owners and technology companies. 5 Chubb instead defines its target market by revenue and business-class count: up to $30 million in revenue across more than 500 classes, including technology, healthcare, retail and manufacturing, rather than naming individual professions the way The Hartford does. 1
What Should You Confirm in Chubb and The Hartford General Liability Insurance Quotes?
- Confirm whether your business's revenue and class fit inside Chubb's stated $30 million and 500-plus business class range. 1
- Compare The Hartford's average $810/year premium against an actual quote for your industry and location. 5
- Ask Chubb for its actual limits and deductibles directly, since its reviewed pages don't disclose them. 1
- Confirm which entity would field a claim: The Hartford's 24/7 claims line, or whichever process applies to your specific Chubb package. 6
Chubb vs The Hartford General Liability Insurance Compared
Chubb vs The Hartford: General Liability Insurance: documented features by provider
| Criteria | Chubb General Liability Insurance | The Hartford General Liability Insurance |
|---|---|---|
| Who It’s For | Chubb's package products that include general liability target small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail and manufacturing. 1Company-reported. BOP eligibility criteria; restates the fact for the general-liability component of the package. | The Hartford markets GL coverage to businesses that meet clients face-to-face, work on or with client property, use third-party locations, or advertise, and names specific professions it targets, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. 5Company-reported. General liability product page as read 2026-09-23. |
| Coverage Features | Chubb's GL Plus product combines commercial general liability with affirmative products pollution liability and scalable premises pollution liability, and can be paired with umbrella coverage. 2Company-reported. Environmental Insurance product page describing GL Plus; targeted at businesses with pollution exposure alongside standard GL exposure. Within Chubb's BOP, general liability is bundled with property coverage and optional enhancements such as employment practices liability, foreign liability, equipment breakdown and crime coverage. 1Company-reported. BOP coverage-highlights list; enhancement availability depends on the issued policy and state. | The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. 5Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls. |
| Role in This Line | Chubb does not sell general liability as a standalone monoline product on its public pages. It is packaged inside Chubb's BOP, Benchmarq and Customarq commercial package policies, or combined with pollution coverage in the GL Plus product. 1,4Company-reported. BOP and technology-industry pages; a business seeking liability-only coverage should confirm whether Chubb will quote it outside a package. | The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. 5Company-reported. General liability product page as read 2026-09-23. |
