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

The Hartford sells GL stand-alone or in a Business Owner's Policy, with a 24/7 claims phone line and online claim form; Hiscox sells GL directly online in 49 states and Washington, D.C.

The Hartford reports an average general liability premium near $810 a year, while Hiscox's online policy adds electronic data liability for IT and technology professions with no published price. ^5,¹

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

What a Premium Might Cost

Hiscox's general liability page doesn't publish an average premium; the example pricing shown is explicitly labeled illustrative. ¹ The Hartford instead reports an actual average across its book.

The Hartford reports average GL premiums of about $810 a year ($67 a month) for its customers, and says cost varies by business type, revenue, employee count, location, coverage limits/deductibles and claims history; the page does not publish standard limit or deductible amounts. ⁵Company-reported. Company-reported average as of 2026-09-23; not a specific quote.

A No-Fault Payment Versus an IT-Specific Add-On

The Hartford's key coverages include medical payments for minor injuries paid regardless of fault, plus copyright infringement claims that arise specifically from advertising. ⁵ Hiscox instead layers on electronic data liability, a coverage aimed at IT and technology professions rather than a no-fault medical benefit. ¹

Who Each Company Names as a Target Customer

The Hartford lists specific professions it markets general liability to, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. ⁵ Hiscox instead frames eligibility by geography, selling general liability online in 49 states and the District of Columbia with Alaska excluded, and its general liability page does not name specific professions the way The Hartford's does. ¹

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

Ask The Hartford for your own quoted premium rather than relying on its reported $810 average, since cost depends on revenue, employee count and claims history. ⁵
Confirm whether The Hartford's product recall coverage, sold as an endorsement, is included in your quote or priced separately. ⁵
If your business isn't in an IT or technology field, ask Hiscox whether its electronic data liability addition would still apply to you. ¹
Verify your state is included in Hiscox's online-sales footprint, since it excludes Alaska. ¹

Hiscox vs The Hartford General Liability Insurance Compared

Hiscox vs The Hartford: General Liability Insurance: documented features by provider

Criteria	Hiscox General Liability Insurance	The Hartford General Liability Insurance
Who It’s For	Hiscox says it is currently licensed to sell general liability online in 49 states and the District of Columbia, with coverage unavailable in Alaska; it directs buyers in states where it does not sell online to a specialist broker instead. ¹Company-reported. Company-stated jurisdiction for the online small-business catalogue; specific class or industry eligibility still depends on underwriting.	The Hartford markets GL coverage to businesses that meet clients face-to-face, work on or with client property, use third-party locations, or advertise, and names specific professions it targets, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. ⁵Company-reported. General liability product page as read 2026-09-23.
Coverage Features	Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. ¹Company-reported. Product-page description; specific wording, limits and exclusions are set by the issued policy and declarations.	The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. ⁵Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.
Role in This Line	Hiscox Inc., a Delaware-based licensed insurance intermediary, sells general liability directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. ^2,¹Company-reported. Company-stated online small-business channel; broker-only sections of the Hiscox site are a separate, licensed-professional path not covered here.	The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. ⁵Company-reported. General liability product page as read 2026-09-23.
Claims Support	Hiscox says general-liability policyholders can report a claim online 24/7, and describes assigning a specialized claims professional to validate coverage on reported claims. ^1,⁴Company-reported. Company-described claims process; does not establish claim outcomes or turnaround time.	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. ⁶Company-reported. GL claims page as read 2026-09-23. Describes intake channels, not claim outcomes.