---
title: "Chubb vs The Hartford General Liability Insurance"
description: "Chubb only sells general liability packaged into larger products, while The Hartford sells it stand-alone or bundled into a BOP with a published average premium."
canonical: "https://spot.insure/compare/chubb-vs-the-hartford/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Chubb vs The Hartford General Liability Insurance

Chubb only sells general liability packaged into larger products, while The Hartford sells it stand-alone or bundled into a BOP with a published average premium.

## Research Scope and Use

Use this comparison to evaluate Chubb and The Hartford for General Liability 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

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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [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 General Liability Insurance?

General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. [12](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in 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. [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")

### 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. [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")

### 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. [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")

## What to Confirm in 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Compare The Hartford's average $810/year premium against an actual quote for your industry and location. [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")
- Ask Chubb for its actual limits and deductibles directly, since its reviewed pages don't disclose them. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Confirm which entity would field a claim: The Hartford's 24/7 claims line, or whichever process applies to your specific Chubb package. [11](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim")

## Offering Details

| Criteria | Chubb General Liability Insurance | The Hartford General Liability Insurance |
| --- | --- | --- |
| 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page as read 2026-09-23..) |
| 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") (Evidence: Company-reported; scope: Environmental Insurance product page describing GL Plus; targeted at businesses with pollution exposure alongside standard GL exposure..)<br><br>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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls..) |
| Limits and Retentions | The reviewed pages do not publish specific general liability limits, sublimits or deductibles. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") (Evidence: Not found in reviewed sources; scope: BOP, GL Plus and umbrella pages as read on 2026-09-23..) | 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. [10](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23; not a specific quote..) |
| Risk Services | Chubb Risk Consulting is available to GL Plus and package policyholders, and Chubb says it offers casualty claims services for negligence and misconduct claims. [5](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") (Evidence: Company-reported; scope: Environmental page Risk Consulting and Casualty Claims sections; not exclusive to general liability..) | Not described in the reviewed sources. |
| How to Apply | You can request a quote online for a Chubb package that includes general liability, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: BOP product page call-to-action for business owners and for agents and brokers..) | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | The Hartford provides a 24/7 general liability claims phone line (800-327-3636) and an online claim form, with a policy-type selector that also covers cyber, employee benefits, property and workers' compensation claims. [11](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim") (Evidence: Company-reported; scope: GL claims page as read 2026-09-23. Describes intake channels, not claim outcomes..) |

## Full Comparison

- [Chubb vs The Hartford](https://spot.insure/compare/chubb-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability insurance helps with covered claims for injuries to other people, damage to their property and specified advertising offenses.
- [Chubb vs The Hartford Business Owner’s Policy](https://spot.insure/compare/chubb-vs-the-hartford/business-owners-policy)
- [Chubb vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-the-hartford/commercial-auto)
- [Chubb vs The Hartford Commercial Property Insurance](https://spot.insure/compare/chubb-vs-the-hartford/commercial-property)
- [Chubb vs The Hartford Crime Insurance](https://spot.insure/compare/chubb-vs-the-hartford/crime)
- [Chubb vs The Hartford Cyber Insurance](https://spot.insure/compare/chubb-vs-the-hartford/cyber)
- [Chubb vs The Hartford D&O Insurance](https://spot.insure/compare/chubb-vs-the-hartford/directors-officers)
- [Chubb vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-the-hartford/employment-practices)
- [Chubb vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-the-hartford/fiduciary)
- [Chubb vs The Hartford Inland Marine Insurance](https://spot.insure/compare/chubb-vs-the-hartford/inland-marine)
- [Chubb vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-the-hartford/kidnap-ransom)
- [Chubb vs The Hartford Management Liability Insurance](https://spot.insure/compare/chubb-vs-the-hartford/management-liability)
- [Chubb vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-the-hartford/professional-errors-omissions)
- [Chubb vs The Hartford Tech E&O Insurance](https://spot.insure/compare/chubb-vs-the-hartford/technology-errors-omissions)
- [Chubb vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Chubb General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/general-liability)
- [Alliance Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/general-liability)
- [Amelia Risk vs Chubb General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/general-liability)
- [Amelia Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/general-liability)
- [Beazley vs Chubb General Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/general-liability)
- [Beazley vs The Hartford General Liability Insurance](https://spot.insure/compare/beazley-vs-the-hartford/general-liability)

## Sources

### Chubb

1. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as package options that include general liability. Accessed 2026-09-23.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [Business Owner's Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Coverage Highlights: property and liability package; Total Account Solution add-ons. Accessed 2026-09-23.
5. [Environmental Insurance Coverage & Services](https://www.chubb.com/us-en/business-insurance/environmental.html). Chubb; Chubb GL Plus: combines Commercial General Liability, affirmative Products Pollution, and scalable Premises Pollution Liability with supported Umbrella coverage. Accessed 2026-09-23.
6. [Umbrella & Excess Casualty Insurance](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html). Chubb; Insights article link: "What is commercial general liability insurance? Learn more about CGL insurance and how to protect your business.". Accessed 2026-09-23.

### 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. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; What Is General Liability Insurance?; How Much Does General Liability Insurance Cost?; Key Coverages; Examples of General Liability Coverage; Bundle It All With a BOP; Who Needs General Liability Insurance?. Accessed 2026-09-23.
11. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form. Accessed 2026-09-23.

### General Liability Insurance Guide

12. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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