--- title: "Embroker vs The Hartford" description: "How Embroker’s technology brokerage and Everspan EMIS program differ from buying The Hartford as the issuing insurer group." canonical: "https://spot.insure/compare/embroker-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Embroker", "The Hartford"] --- [Human-readable page](https://spot.insure/compare/embroker-vs-the-hartford) # Embroker vs The Hartford How Embroker’s technology brokerage and Everspan EMIS program differ from buying The Hartford as the issuing insurer group. ## Research Scope and Use Use this comparison to evaluate Embroker and The Hartford against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Embroker is a broker and program administrator for startups and professional firms, with Everspan named on its Management Insurance Suite. The Hartford is an insurer group that sells small-business and SaaS policies on affiliate paper, including a direct online path for eligible buyers. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [30](https://www.thehartford.com/legal-notice "Legal Notice") ## Introduction A venture-backed software company that wants D&O, EPL, fiduciary and tech E&O/cyber in one application is comparing Embroker’s EMIS construction with whatever combination Hartford will actually quote on Hartford paper. Embroker can also place BOP and workers’ compensation; those labels still need the insurer named. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") ## Documented Provider Strengths ### Embroker - Its Management Insurance Suite brings several management coverages into one application, with technology E&O/cyber for eligible technology businesses. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.) - Separate technology and law-firm packages group coverage around those businesses’ activities, subject to the offered policy terms. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; verified: 2026-09-15.) ### The Hartford - The Hartford designs small-business packages for SaaS and other software companies, typically starting from a business owner’s policy. [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [28](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [50](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [49](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) - Small-business buyers can start an online quote-and-buy flow or call, or use an independent Hartford agent; commercial auto is not sold on that self-serve path. [28](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [34](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [43](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Embroker | The Hartford | | --- | --- | --- | | Business owner’s policy | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [35](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial auto | Listed [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") | Listed [43](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial property | Listed [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") | Listed [37](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Crime | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Cyber liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [39](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Directors and officers | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [46](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | Employee health and benefits | Not listed | Listed [50](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") | | Employment practices liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [42](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Fiduciary liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | General liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [36](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Hired and non-owned auto | Not listed | Listed [44](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [43](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | Key person | Listed [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") | Not listed | | Kidnap and ransom | Not listed | Listed [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Management liability | Listed [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") | Listed [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Product liability | Listed [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") | Not listed | | Professional liability / E&O | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") | Listed [41](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | Surety bonds | Listed [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") | Not listed | | Technology errors and omissions | Listed [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") | Listed [40](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [39](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | Tools, equipment and inland marine | Not listed | Listed [49](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | Umbrella and excess liability | Listed [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") | Listed [47](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [48](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | Venture capital asset protection | Listed [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") | Not listed | | Workers’ compensation | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [38](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Embroker and the Hartford ### Broker-Program Hybrid Versus Affiliate Insurers Embroker Insurance Services LLC is the producer. Terms allow underwriting work for insurers under their guidelines; the issuer still bears the policy. Appointing Embroker as broker of record is required to use its brokerage service. Proprietary products may be hard to renew outside Embroker Access. [2](https://www.embroker.com/terms/ "Terms And Conditions") [4](https://www.embroker.com/faq/ "Insurance FAQ") The Hartford holding company is not the policy insurer. You need not appoint a retail broker to buy eligible small-business coverage. This comparison does not assume Embroker will submit to a Hartford company. [30](https://www.thehartford.com/legal-notice "Legal Notice") [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") ### Tech Appetite, AI Endorsement and California EPL EMIS can include technology errors and omissions and cyber for eligible private technology companies under $300 million revenue, with multi-factor authentication required above $5 million revenue and exclusions for crypto, blockchain or cannabis businesses. Embroker’s retail and broker descriptions disagree on intellectual-property coverage. An AI endorsement is described for eligible quotes. Everspan Indemnity is named for EMIS and excess technology errors and omissions and cyber; Everest National is named for lawyers’ professional liability. [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") Hartford FailSafe lists intellectual-property and media liability among features, while miscellaneous professional liability is a separate product. Built-in employment-practices liability is not in the described Hartford business owner’s policy program in California. Embroker’s suite listing employment-practices liability does not mean Hartford’s business owner’s policy supplies the same grant. [40](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [42](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") Embroker’s excess Tech E&O/Cyber cannot sit above an Embroker primary, so higher limits need another answer. Hartford excess/umbrella marketing is a different product family. [10](https://access.embroker.com/ "Embroker Access") [47](https://www.thehartford.com/commercial-insurance "Commercial Insurance") ### Price Structure Embroker software is free; insurance can generate commissions, contingent compensation and negotiated client fees disclosed before binding. Hartford pays producers; employees who sell may receive extra compensation. Compare the written fee letter with Hartford’s premium invoice, not “free platform” copy. [3](https://www.embroker.com/disclosure/ "Compensation Disclosure") [51](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") ## What to Confirm in Quotes - **Issuer names:** Everspan or Everest versus a Hartford subsidiary. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [30](https://www.thehartford.com/legal-notice "Legal Notice") - **Technology errors-and-omissions intellectual-property wording** given Embroker’s retail and broker descriptions disagree, and FailSafe contract-breach limitations. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [40](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") - **California employment-practices liability and crypto or cannabis eligibility** on each form. [42](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") ## Service Comparison Embroker vs The Hartford: documented services and availability. | Criteria | Embroker | The Hartford | | --- | --- | --- | | Business role | Embroker Insurance Services LLC is the producer named in its public lawyers’ liability specimen. Florida’s corporate record lists Embroker, Inc. as the LLC’s authorized member. That identifies a corporate relationship, not the insurer on your policy. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Company-reported; scope: Exact producer name from specimen declarations, corroborated corporate identity in Florida. No claim to establish the full ownership chain, current capitalization or nationwide licensure.; verified: 2026-09-15.)

Embroker distributes proprietary programs through its own channel and through other brokers using Embroker Access. Its terms also allow it to perform underwriting work for insurers under their guidelines; the issuing insurer bears the policy obligations. [10](https://access.embroker.com/ "Embroker Access") [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product.; verified: 2026-09-15.)

The reviewed corporate record identifies Embroker, Inc. as an authorized member of the producer LLC; it does not establish Embroker, Inc.’s ultimate beneficial ownership. [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Not found in reviewed sources; scope: Scoped ownership research: official About history and Florida company record. No current controlling external parent established; funding/partnership is not ownership proof.; verified: 2026-09-15.) | The Hartford is the brand of The Hartford Insurance Group, Inc., a financial holding company whose subsidiaries underwrite property-and-casualty insurance, employee benefits and other financial products. Independent agents and brokers, and Hartford employees who sell insurance, distribute those products. The brand is not itself the insurer on a policy. [30](https://www.thehartford.com/legal-notice "Legal Notice") [51](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [47](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) | | Coverage lines | Embroker’s August 2026 Management Insurance Suite (EMIS) brings D&O, employment practices, fiduciary liability and, for eligible technology companies, Tech E&O/Cyber into one application. Buyers may select individual coverages or a bundle. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.)

The broker Tech E&O/Cyber program targets private, for-profit technology companies with revenue below $300 million. It requires multifactor authentication for accounts above $5 million in revenue and excludes businesses involved in crypto, blockchain or cannabis. [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") (Evidence: Company-reported; scope: Current Embroker Access primary program appetite. Not applied to all Embroker products or proof of eligibility for a particular account.; verified: 2026-09-15.)

Embroker’s retail Tech E&O page lists intellectual-property infringement, copyright and libel among exclusions, while its broker program advertises software-code infringement coverage. The public descriptions do not reconcile that difference; request the proposed form and endorsements for your activities. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") (Evidence: Conflicting sources; scope: Retail What’s not included and FAQ versus Access Additional features. Product version and exact covered IP rights are unresolved; no conclusion of blanket IP protection or exclusion.; verified: 2026-09-15.)

Embroker describes an AI endorsement for eligible Tech E&O/Cyber quotes addressing AI services, discrimination allegations and regulatory-investigation defense. It advertises up to $150,000 for algorithm-removal expenses. Obtain the endorsement to check triggers, exclusions and how that sublimit relates to the policy limit. [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage") (Evidence: Company-reported; scope: Company product announcement, not a policy-form analysis. Article displays May 2026 publication but says effective August 2025 and references the Startup Program; applicability to a particular EMIS or legacy quote must be confirmed.; verified: 2026-09-15.)

Embroker Access advertises up to $5 million of excess Tech E&O/Cyber above eligible underlying insurance. Its appetite requires a primary limit of at least $1 million and Tech E&O, with or without cyber; cyber-only underlying insurance is ineligible. [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") (Evidence: Company-reported; scope: Access excess program, private for-profit businesses below $300 million revenue; no claim that all carrier forms qualify.; verified: 2026-09-15.)

The retail Tech E&O FAQ says Embroker’s excess product cannot sit above an Embroker primary policy. An Embroker primary buyer therefore needs a separate answer about how to obtain higher limits. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") (Evidence: Company-reported; scope: Retail FAQ restriction; do not interpret the broker page’s 50+ primary carriers as markets Embroker shops or automatically compatible forms.; verified: 2026-09-15.)

The broker lawyers’ professional liability (LPL) program lists firms with 1–25 attorneys, no claims or law-license disciplinary actions, a physical address and risk-management and docket controls. It advertises pre-claim assistance without a deductible and defense-cost options. [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") (Evidence: Company-reported; scope: Current Access LPL appetite and features; not a finding that larger or claims-affected firms cannot obtain any insurance through Embroker brokerage.; verified: 2026-09-15.)

The public Everest LPL specimen uses claims-made coverage: its insuring agreement ties protection to when a claim is made and reported and to a retroactive date for the underlying work. Its base wording makes claim expenses reduce the liability limit. Current marketing also describes defense costs outside the limit, so check which endorsements your quote includes. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") (Evidence: Company-reported; scope: Specimen LPL-CWF100A-1 0319, PDF p. 5, and LPL-CWF001A-1 0319 declarations, PDF p. 2. A 2019 specimen is not evidence of every current policy version; options may explain different defense treatment.; verified: 2026-09-15.)

The main catalogue offers business owner’s policies, general liability, commercial crime, cyber, D&O, employment practices, fiduciary liability, professional liability (including lawyers’ liability), Tech E&O/Cyber and workers’ compensation. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") (Evidence: Company-reported; scope: Direct coverage cards and quote links; professional E&O consolidated separately from technology E&O and fiduciary liability. Website descriptions do not establish policy entitlements.; verified: 2026-09-15.)

Embroker also has direct offerings for commercial auto, commercial property, product liability, surety bonds and key person life insurance, plus venture capital asset protection (VCAP) for investment firms. [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") (Evidence: Company-reported; scope: Accessible dedicated offering pages beyond the main coverage grid. No separate medical malpractice, fidelity bond, builders risk or employee benefits offering inferred from educational text or redirected URLs.; verified: 2026-09-15.)

The technology package combines Tech E&O/Cyber with a business owner’s policy. The law-firm package groups lawyers’ professional liability, cyber, a business owner’s policy and workers’ compensation. The package names do not establish identical terms across industries. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; verified: 2026-09-15.) | Documented Hartford offerings for businesses include a business owner’s policy (general liability, commercial property and business income), stand-alone general liability and commercial property, workers’ compensation, cyber (including BOP data-breach add-ons, CyberChoice First Response and FailSafe Technology E&O), miscellaneous professional liability, employment practices liability, commercial auto and hired/non-owned auto, management-liability packages (Private Choice Premier: directors and officers, EPL, fiduciary, crime, kidnap and ransom), commercial umbrella, employee benefits, and inland marine for midsize and large accounts. Actual forms, limits and availability vary by product, state and underwriting. [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [35](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [39](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [40](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [41](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [42](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [43](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [44](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [47](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [50](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [49](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Product and service pages reviewed 16 September 2026. Educational FAQs were not used as the sole proof of an offering. Marketing lists are not specimen policy wording.; verified: 2026-09-16.)

The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [42](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) | | Access to insurers | Embroker names Everspan Indemnity Insurance Company as the insurer for EMIS and its excess Tech E&O/Cyber program. Its lawyers’ professional liability program names Everest National Insurance Company. These are product-specific relationships, not one carrier for the entire catalogue. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Current program marketing and LPL specimen; financial-strength ratings and admission status not independently checked, so no rating assigned here.; verified: 2026-09-15.) | Coverages described on Hartford sites may be offered by one or more property-and-casualty subsidiaries listed in the Legal Notice. Hartford Fire Insurance Company (NAIC 19682) is authorized in all U.S. states and the District of Columbia according to that notice, and California CDI independently confirms its California authorization. Employee-benefits pages also name Hartford Life and Accident Insurance Company. The reviewed sources do not identify the writing company that would appear on a specific SaaS, BOP or technology E&O policy. [30](https://www.thehartford.com/legal-notice "Legal Notice") [47](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [36](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [50](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [54](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") (Evidence: Company-reported; scope: Legal notice writing-company table as of 31 December 2025, rechecked 16 September 2026, plus CDI verification for Hartford Fire only. Other affiliates were not each re-checked at a state regulator.; verified: 2026-09-16.) | | Application process | The public quote-start screen asks for a company name and whether the company has a website. It links the terms and compensation disclosure before continuing. [26](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only Chrome observation of https://app.embroker.com/signup on 15 September 2026; no data entered, Continue not clicked, no account created.; verified: 2026-09-15.)

An account alone does not appoint Embroker as your broker. Using its brokerage service requires a broker- or agent-of-record designation and exclusive work with Embroker for those services unless otherwise agreed. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.; verified: 2026-09-15.)

An application may need additional underwriting information or be declined; a quote itself does not put insurance in force. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §13. No quote or binding transaction performed.; verified: 2026-09-15.) | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [28](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [34](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [43](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [45](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) | | Fees and compensation | Embroker’s software is free. Insurance services can generate insurer commissions, contingent compensation linked to business results, and supplemental commissions. Embroker may also negotiate client fees alongside or instead of commissions, approved before binding, usually in writing. [3](https://www.embroker.com/disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Compensation disclosure; no policy-specific rate or amount established. Free software does not mean free insurance or zero distribution compensation.; verified: 2026-09-15.)

Payment processors and premium-finance lenders can add their own charges. Ask for the total cost and installment terms separately from Embroker’s compensation. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §§2A and 22; no specific financing offer reviewed.; verified: 2026-09-15.) | The Hartford discloses that it pays independent producers base commissions (a percentage of premium or a fixed amount per policy), and may also pay contingent or supplemental commissions, fees for services, delegated-underwriting compensation and other benefits. Employees who sell insurance may receive extra compensation beyond salary. Producers may charge their own customer fees that are not Hartford premium. The reviewed pages do not publish the commission rate or any Hartford-charged service fee that would apply to a particular buyer’s policy. Published “average premiums” are company-reported estimates, not quotes. [51](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [33](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [28](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [27](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") (Evidence: Company-reported; scope: Producer compensation disclosure and product-page premium footnotes as of 16 September 2026. Missing a fee schedule is not a finding of zero buyer cost beyond premium.; verified: 2026-09-16.) | ## Related Reading - [What Is Embroker?](https://spot.insure/insurance-providers/embroker) - [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford) ## Related Comparisons - [Alliance Risk vs Embroker](https://spot.insure/compare/alliance-risk-vs-embroker) - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Amelia Risk vs Embroker](https://spot.insure/compare/amelia-risk-vs-embroker) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Armilla vs Embroker](https://spot.insure/compare/armilla-vs-embroker) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [At-Bay vs Embroker Insurance](https://spot.insure/compare/at-bay-vs-embroker) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - [Beazley vs Embroker](https://spot.insure/compare/beazley-vs-embroker) - 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[Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15. 2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15. 3. [Compensation Disclosure](https://www.embroker.com/disclosure/). Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15. 4. [Insurance FAQ](https://www.embroker.com/faq/). Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15. 5. [Published License List](https://www.embroker.com/licenses/). Embroker; AK–WY list, including DC; California 0K44291. Company list, not an independently checked national license register. Accessed 2026-09-15. 6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Query 0K44291 on 15 September 2026 returned “Captcha validation failed.” No individual license result obtained. Accessed 2026-09-15. 7. [Embroker Insurance Services LLC — Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC.). Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Corporate registration, not an insurance license. Accessed 2026-09-15. 8. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages; industry packages; invitation to seek other policies through Embroker. Accessed 2026-09-15. 9. [Embroker Launches EMIS](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; 19 August 2026 announcement; What’s changing; four coverages; legacy renewals versus new business; Availability; About Embroker names Everspan Indemnity Insurance Company. Accessed 2026-09-15. 10. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15. 11. [Tech E&O / Cyber — Broker Program](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; revenue and multifactor requirements; excluded industries; Coverage Highlights and software code infringement. Accessed 2026-09-15. 12. [Technology Errors And Omissions / Cyber](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15. 13. [Excess Tech E&O / Cyber](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/). Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote. Accessed 2026-09-15. 14. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; Everest National; coverage highlights and defense cost features. Accessed 2026-09-15. 15. [Everest Elevation Lawyers Professional Liability — Specimen](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf). Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15. 16. [Law Firm Insurance Package](https://www.embroker.com/law/). Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15. 17. [Insurance For Technology Companies](https://www.embroker.com/non-funded-tech-companies/). Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15. 18. [Embroker’s AI Coverage](https://www.embroker.com/blog/embroker-launches-ai-coverage/). Embroker; Article displays 26 May 2026 publication and 5 August 2025 endorsement effective date; What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Not the endorsement wording. Accessed 2026-09-15. 19. [Claims](https://www.embroker.com/claims/). Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15. 20. [Key Person Insurance](https://www.embroker.com/coverage/key-person-insurance/). Embroker; Opening offer of life insurance for an executive, founder or other critical employee with concierge service; public inquiry form (not submitted). Accessed 2026-09-15. 21. [Commercial Auto Insurance](https://www.embroker.com/coverage/commercial-auto-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a commercial auto quote. Educational coverage examples not adopted as policy promises. Accessed 2026-09-15. 22. [Commercial Property Insurance](https://www.embroker.com/coverage/commercial-property-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a property quote. Educational examples do not establish flood/earthquake or other entitlements. Accessed 2026-09-15. 23. [Surety Bonds](https://www.embroker.com/coverage/surety-bonds/). Embroker; Opening statement that Embroker helps obtain surety bonds; construction bond discussion. No insurer or specific bond terms established. Accessed 2026-09-15. 24. [Product Liability Insurance](https://www.embroker.com/coverage/product-liability-insurance/). Embroker; Product-specific Get a Quote; Why Get It With Embroker? customized product liability offering. Recall-related educational text not treated as a separate product-recall offering. Accessed 2026-09-15. 25. [Insurance For Venture Capital And Private Equity Firms](https://www.embroker.com/venture-capital-private-equity-firms/). Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service. Accessed 2026-09-15. 26. [Start An Embroker Quote](https://app.embroker.com/signup). Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue; viewed without entering information or advancing. Accessed 2026-09-15. ### [The Hartford Official Website](https://www.thehartford.com) 27. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); BOP contents; add-ons (workers’ compensation, data breach, commercial auto); cyber, EPLI, technology professional liability mentions; online quote claim; company-reported industry-average premiums footnote. Accessed 2026-09-16. 28. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16. 29. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16. 30. [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. 31. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16. 32. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16. 33. [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. 34. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Viewed without submitting an application. Accessed 2026-09-16. 35. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; last updated May 20, 2026; products-not-available-in-all-states footnote. Accessed 2026-09-16. 36. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; Stand-alone GL and BOP bundling; products-completed operations; technology-company example; last updated May 20, 2026; subsidiary-offering disclosure referencing the Legal Notice. Accessed 2026-09-16. 37. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Property and business-interruption descriptions; technology firms listed among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16. 38. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; State-requirement quiz noting some states require purchase from a state-run program rather than a private insurer; pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16. 39. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; BOP-endorsed cyber versus CyberChoice First Response versus FailSafe Technology E&O; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16. 40. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; FailSafe Technology Liability Product Suite features including E&O, security, data privacy/network security, personal injury, intellectual property and media liability; software and SaaS-relevant buyer classes; last updated September 19, 2024. Accessed 2026-09-16. 41. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Miscellaneous professional liability and a listed Errors & Omissions Insurance for Technology Companies product; claims-made versus occurrence discussion; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16. 42. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; Hartford-provided EPLI; BOP inclusion claim; Private Choice Premier and Employers Premier Choice; footnotes that built-in EPL coverage is not available in California, Minnesota, North Dakota or New York and that the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16. 43. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Statement that The Hartford does not currently offer this coverage online for small businesses and may route quotes through a local agency or Tivly; hired and non-owned auto description; last updated August 27, 2026. Accessed 2026-09-16. 44. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hartford offering of hired and non-owned auto; liability-only limitations; last updated August 27, 2026. Accessed 2026-09-16. 45. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Private Choice Premier package (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion); option to add certain coverages to a BOP; instruction to find a local agent. Accessed 2026-09-16. 46. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations via Private Choice Premier. Accessed 2026-09-16. 47. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; optional commercial umbrella; about-10-minute quote claim; products not available in all states; coverages may be offered by one or more P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16. 48. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; Commercial umbrella, EPL, data breach and other coverage descriptions; last updated July 28, 2025; products-not-available-in-all-states footnote. Accessed 2026-09-16. 49. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses. Accessed 2026-09-16. 50. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16. 51. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16. 52. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16. 53. [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; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16. 54. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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