HUB International vs The Hartford General Liability Insurance

HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. ⁴Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.

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. ⁸Company-reported. General liability product page as read 2026-09-23.

The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. ⁴Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there.

Not described in the reviewed sources.

Not described in the reviewed sources.

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. ⁸Company-reported. General liability product page as read 2026-09-23.

HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. ⁴Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.

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. ⁸Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.

Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. ⁴Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

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. ⁸Company-reported. Company-reported average as of 2026-09-23; not a specific quote.

The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. ⁴Not found in reviewed sources. Checked the general liability product page on 2026-09-23.

Not described in the reviewed sources.

HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. ⁴Company-reported. Product-page copy; no online quote or bind flow is described.

Not described in the reviewed sources.

Not described in the reviewed sources.

The Hartford provides a 24/7 general liability claims phone line (800-327-3636) and an online claim form, with a policy-type selector that also covers cyber, employee benefits, property and workers' compensation claims. ⁹Company-reported. GL claims page as read 2026-09-23. Describes intake channels, not claim outcomes.