---
title: "CNA vs The Hartford: General Liability Insurance"
description: "CNA describes GL underwriting, risk-control and claims teams; The Hartford itemizes completed operations, product liability and medical payments in its GL description."
canonical: "https://spot.insure/compare/cna-vs-the-hartford/general-liability"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-the-hartford"
provider-a: "cna"
provider-b: "the-hartford"
coverage-line: "general-liability"
---

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/general-liability)

## Agent Guide

**What this page is:** Focused comparison of CNA and The Hartford for General Liability 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 General Liability Insurance 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 General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, CNA or The Hartford?
- What does CNA or The Hartford publish about General Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for General Liability Insurance from CNA or The Hartford?

**Key facts:**
- Line: General Liability Insurance. 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
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — 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 Business Owner’s Policy](https://spot.insure/compare/cna-vs-the-hartford/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [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 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)
- [AIG vs CNA General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Hartford General Liability Insurance](https://spot.insure/compare/aig-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)

# CNA vs The Hartford: How Do They Compare for General Liability Insurance?

CNA describes GL underwriting, risk-control and claims teams; The Hartford itemizes completed operations, product liability and medical payments in its GL description.

## How to Use the CNA vs The Hartford General Liability Insurance Comparison

Use this comparison to evaluate CNA 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.

## CNA vs The Hartford General Liability Insurance Summary

CNA describes industry-specific underwriting and risk-control support with claims professionals. The Hartford lists product liability, completed operations, advertising injury, legal costs, and minor-injury medical payments in its GL coverage description. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") [8](https://www.thehartford.com/general-liability-insurance "General Liability 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. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](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 can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## What Are the Key Differences Between CNA and The Hartford General Liability Insurance?

### Coverage Items and Add-ons

CNA describes covered third-party bodily injury and property damage, with industry-focused underwriting, risk-control, and claims support. The Hartford’s GL page itemizes personal and advertising injury, legal fees and judgments, completed operations, product liability, and medical payments for minor injuries; it says product recall is an endorsement. For a business selling goods or finishing work on customer sites, that published detail gives specific items to check. It does not replace the policy form or establish which terms appear in a quote. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")

### Buying and Claim Access

The Hartford says GL can be standalone or bundled in a Business Owner’s Policy and provides a 24/7 claim phone line plus an online form. CNA identifies claims professionals but the reviewed summary does not describe a claim-filing channel. Compare package pricing only after matching coverage and ask both providers for the claim contacts and handling route that apply to your policy. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") [9](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim") [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")

## What Should You Confirm in CNA and The Hartford General Liability Insurance Quotes?

- Ask The Hartford whether product liability is included and what a product-recall endorsement would add. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")
- Ask CNA for coverage wording on completed work, products, and claim reporting. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance")

## CNA vs The Hartford General Liability Insurance Compared

| Criteria | CNA Commercial General Liability | The Hartford General Liability Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | 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. [8](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 | CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | 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 commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [8](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 | CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | 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 commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [8](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 | Confirm in your quote. | 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. [8](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 | CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | 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 commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Confirm in your quote. |
| Claims Support | Confirm in your quote. | 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. [9](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..) |

## Related Pages for CNA vs The Hartford General Liability Insurance

- [CNA vs The Hartford](https://spot.insure/compare/cna-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [CNA vs The Hartford Business Owner’s Policy](https://spot.insure/compare/cna-vs-the-hartford/business-owners-policy)
- [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 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)
- [AIG vs CNA General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability)
- [AIG vs The Hartford General Liability Insurance](https://spot.insure/compare/aig-vs-the-hartford/general-liability)
- [Alliance Risk vs CNA General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/general-liability)
- [Alliance Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/general-liability)
- [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability)
- [Amelia Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/general-liability)

## Sources for CNA vs The Hartford General Liability Insurance

### 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.
4. [Commercial General Liability Insurance | CNA Insurance](https://www.cna.com/products/general-liability). CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28.

### Sources About The Hartford

5. [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.
6. [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.
7. [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.
8. [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.
9. [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.

### Sources for the General Liability Insurance Guide

10. [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.
11. [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.
12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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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