---
title: "CNA vs The Hartford: Business Owner’s Policy"
description: "The Hartford describes utility interruption protection as an add-on and lists several separate lines; CNA Connect names property, income, and 300+ endorsement choices."
canonical: "https://spot.insure/compare/cna-vs-the-hartford/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-the-hartford"
provider-a: "cna"
provider-b: "the-hartford"
coverage-line: "business-owners-policy"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/cna-vs-the-hartford/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of CNA and The Hartford for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about CNA 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:**
- CNA vs The Hartford for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, CNA or The Hartford?
- What does CNA or The Hartford publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Business Owner’s Policy from CNA or The Hartford?

**Key facts:**
- Line: Business Owner’s Policy. Providers: CNA 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs The Hartford](https://spot.insure/compare/cna-vs-the-hartford) — parent: all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [CNA vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/cna-vs-the-hartford/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Commercial Property Insurance](https://spot.insure/compare/cna-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Crime Insurance](https://spot.insure/compare/cna-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Cyber Insurance](https://spot.insure/compare/cna-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford D&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford General Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/cna-vs-the-hartford/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Inland Marine Insurance](https://spot.insure/compare/cna-vs-the-hartford/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-the-hartford/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Management Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/management-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Tech E&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-the-hartford/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-the-hartford/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-the-hartford/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [biBerk vs CNA Business Owner’s Policy](https://spot.insure/compare/biberk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [biBerk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/biberk-vs-the-hartford/business-owners-policy) — sibling comparison (other line, or other pair for this line)

# CNA vs The Hartford: How Do They Compare for Business Owner’s Policy?

The Hartford describes utility interruption protection as an add-on and lists several separate lines; CNA Connect names property, income, and 300+ endorsement choices.

## How to Use the CNA vs The Hartford Business Owner’s Policy Comparison

Use this comparison to evaluate CNA and The Hartford for Business Owner’s Policy 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.

## CNA vs The Hartford Business Owner’s Policy Summary

The Hartford lists off-premises utility business-income coverage as an add-on; CNA Connect lists buildings, income, equipment, and 300+ endorsements with adjustable limits. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## 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 a Business Owner’s Policy?

A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [8](https://content.naic.org/consumer/small-business.htm "Small Business") [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## What Are the Key Differences Between CNA and The Hartford Business Owner’s Policy?

### Base cover and separate protections

The Hartford describes a BOP combining commercial property, general liability, and business income, with off-premises utility interruption available as an add-on. It lists workers’ compensation, professional liability, commercial auto, and data breach as outside the base policy. CNA Connect names property and income categories and more than 300 optional endorsements. Ask which additions attach to each BOP and which need separate contracts. [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance")

### Fit, quote, and price context

The Hartford says its BOP can be customized for specific industries and offers an online quote flow or phone start. It reports that customers paid an average of $1,687 a year, but does not publish standard limits or deductibles. CNA says Connect serves more than 600 classes with adjustable limits. Compare quotes using the same locations, values, class, and selected limits rather than relying on the reported average. [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance")

## What Should You Confirm in CNA and The Hartford Business Owner’s Policy Quotes?

- Is utility interruption included or added, and what waiting period and sublimit apply? [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- What limits and deductibles are being quoted for your locations and industry? [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

## CNA vs The Hartford Business Owner’s Policy Compared

| Criteria | CNA Connect Businessowners Policy | The Hartford Business Owner's Policy (BOP) |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | The Hartford's BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy, rather than requiring three separate policies. [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: BOP product page as read 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | The BOP page does not name which Hartford property-and-casualty subsidiary would issue a given buyer's policy; the Legal Notice says coverages may be offered by one or more of several listed subsidiaries depending on product and jurisdiction. [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [4](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Not publicly disclosed; scope: BOP page and Legal Notice as read 2026-09-23..) |
| Who It’s For | CNA says CNA Connect serves more than 600 small-business classes. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | The Hartford says a BOP fits a business that has a physical location, faces a possibility of being sued, or has assets that could be stolen or damaged, and can be customized for specific industries. [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: BOP product page as read 2026-09-23..) |
| Coverage Features | CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | The Hartford says a BOP does not itself include workers' compensation, professional liability, commercial auto or data breach coverage, but these can be added on top of the base policy, along with off-premises utility business-income coverage. [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: BOP product page as read 2026-09-23..) |
| Limits and Retentions | Confirm in your quote. | The Hartford reports its customers paid an average of $1,687 a year (about $141 a month) for a BOP; the page does not publish standard coverage limits or deductibles, since actual limits are set at quote or issue. [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business..) |
| How to Apply | Confirm in your quote. | The Hartford offers an online quote flow for a BOP, described as customizable by adding coverages; buyers can also call a listed phone number to start a quote. [7](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: BOP product page as read 2026-09-23. Quote availability observed without completing a purchase..) |

## Related Pages for CNA vs The Hartford Business Owner’s Policy

- [CNA vs The Hartford](https://spot.insure/compare/cna-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [CNA vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/cna-vs-the-hartford/commercial-auto)
- [CNA vs The Hartford Commercial Property Insurance](https://spot.insure/compare/cna-vs-the-hartford/commercial-property)
- [CNA vs The Hartford Crime Insurance](https://spot.insure/compare/cna-vs-the-hartford/crime)
- [CNA vs The Hartford Cyber Insurance](https://spot.insure/compare/cna-vs-the-hartford/cyber)
- [CNA vs The Hartford D&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/directors-officers)
- [CNA vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/employment-practices)
- [CNA vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/fiduciary)
- [CNA vs The Hartford General Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/general-liability)
- [CNA vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/cna-vs-the-hartford/hired-non-owned-auto)
- [CNA vs The Hartford Inland Marine Insurance](https://spot.insure/compare/cna-vs-the-hartford/inland-marine)
- [CNA vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-the-hartford/kidnap-ransom)
- [CNA vs The Hartford Management Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/management-liability)
- [CNA vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-the-hartford/professional-errors-omissions)
- [CNA vs The Hartford Tech E&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/technology-errors-omissions)
- [CNA vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-the-hartford/workers-compensation)
- [Alliance Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-cna/business-owners-policy)
- [Alliance Risk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-the-hartford/business-owners-policy)
- [Amelia Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy)
- [Amelia Risk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-the-hartford/business-owners-policy)
- [biBerk vs CNA Business Owner’s Policy](https://spot.insure/compare/biberk-vs-cna/business-owners-policy)
- [biBerk vs The Hartford Business Owner’s Policy](https://spot.insure/compare/biberk-vs-the-hartford/business-owners-policy)

## Sources for CNA vs The Hartford Business Owner’s Policy

### Sources About CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.

### Sources About The Hartford

4. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; P&C writing-company table; statement that coverages may be offered by one or more subsidiaries of The Hartford Insurance Group, Inc.. Accessed 2026-09-23.
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. [Business Owner's Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; What Is Business Owner's Policy Insurance?; What Is Included in a Business Owner's Policy?; Additional Coverages You Can Add; Who Needs a Business Owner's Policy?; How Much Does a BOP Cost?; BOP vs. General Liability comparison. Accessed 2026-09-23.

### Sources for the Business Owner’s Policy Guide

8. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
9. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

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

## The Hartford Review Scores for 2026

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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