--- title: "Markel Insurance vs The Hartford: Hired and Non-Owned Auto Insurance" description: "Markel lists HNOA among casualty options without publishing vehicle terms; The Hartford distinguishes hired from non-owned autos and directs small businesses to an agent for a quote." canonical: "https://spot.insure/compare/markel-vs-the-hartford/hired-non-owned-auto" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "markel-vs-the-hartford" provider-a: "markel" provider-b: "the-hartford" coverage-line: "hired-non-owned-auto" --- 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/markel-vs-the-hartford/hired-non-owned-auto) ## Agent Guide **What this page is:** Focused comparison of Markel Insurance and The Hartford for Hired and Non-Owned Auto 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 Hired and Non-Owned Auto Insurance questions about Markel Insurance 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:** - Markel Insurance vs The Hartford for Hired and Non-Owned Auto Insurance: how do they differ? - Which is better for Hired and Non-Owned Auto Insurance, Markel Insurance or The Hartford? - What does Markel Insurance or The Hartford publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Hired and Non-Owned Auto Insurance from Markel Insurance or The Hartford? **Key facts:** - Line: Hired and Non-Owned Auto Insurance. Providers: Markel Insurance 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 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Markel Insurance vs The Hartford](https://spot.insure/compare/markel-vs-the-hartford) — parent: all coverage lines for this pair - [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — coverage explainer for this line - [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence) - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence) - [Markel Insurance vs The Hartford Commercial Property Insurance](https://spot.insure/compare/markel-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford Crime Insurance](https://spot.insure/compare/markel-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford Cyber Insurance](https://spot.insure/compare/markel-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford D&O Insurance](https://spot.insure/compare/markel-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford General Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/markel-vs-the-hartford/inland-marine) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford Management Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/management-liability) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/markel-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford Tech E&O Insurance](https://spot.insure/compare/markel-vs-the-hartford/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-the-hartford/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-markel/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-the-hartford/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-markel/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Beazley vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-markel/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Beazley vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-the-hartford/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) # Markel Insurance vs The Hartford: How Do They Compare for Hired and Non-Owned Auto Insurance? Markel lists HNOA among casualty options without publishing vehicle terms; The Hartford distinguishes hired from non-owned autos and directs small businesses to an agent for a quote. ## How to Use the Markel Insurance vs The Hartford Hired and Non-Owned Auto Insurance Comparison Use this comparison to evaluate Markel Insurance and The Hartford for Hired and Non-Owned Auto 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. ## Markel Insurance vs The Hartford Hired and Non-Owned Auto Insurance Summary Markel names hired and non-owned auto but does not specify covered autos or limits. The Hartford explains its hired and employee-owned vehicle coverage, exclusions and agent-based purchase route. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") [7](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") ## Markel Insurance: Specialty Business and Products Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [1](https://www.markel.com/about-us "About us") [2](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [Markel Insurance profile](https://spot.insure/insurance-providers/markel) ## What Is The Hartford? The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [4](https://www.thehartford.com/legal-notice "Legal Notice") [5](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [6](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) ## What Is Hired and Non-Owned Auto Insurance? Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [10](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form") ## What Are the Key Differences Between Markel Insurance and The Hartford Hired and Non-Owned Auto Insurance? ### Vehicle Scope and Exclusions The Hartford distinguishes hired vehicles the business rents, leases or borrows from non-owned vehicles employees use for work, layered over the employee's personal auto policy. It describes bodily injury and property-damage costs up to policy limits, but excludes damage to the vehicle itself, employee injuries, theft of property from the vehicle and personal-use accidents. Markel lists HNOA in its casualty portfolio without specifying covered autos, exclusions or terms. The Hartford gives buyers a fuller list to compare against Markel's quote documents. [7](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") ### Eligibility and Buying Route The Hartford recommends HNOA for businesses renting or borrowing vehicles or whose employees use personal cars for errands, deliveries or meetings; it directs small-business buyers to a local agency or Tivly rather than online purchase. Markel's page identifies the option within its casualty and property portfolio but does not enumerate classes or an application channel. Buyers should confirm both class fit and how quickly an agent can provide bindable terms. [7](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") ## What Should You Confirm in Markel Insurance and The Hartford Hired and Non-Owned Auto Insurance Quotes? - Ask The Hartford to show limits for hired and non-owned vehicles and confirm exclusions; ask Markel to define covered vehicles and claim triggers. [7](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") - Confirm the issuing insurer, quote route and effective date before employees drive for work. [7](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") ## Markel Insurance vs The Hartford Hired and Non-Owned Auto Compared | Criteria | Markel hired and non-owned auto exposure | The Hartford Hired and Non-Owned Auto Insurance (HNOA) | | --- | --- | --- | | Role in This Line | Markel lists hired and non-owned auto among casualty coverage options for small-business risks. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: Coverage option in small-business casualty materials; not a standalone commercial auto product..) | The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. [7](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) | | Who It’s For | The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: No general eligibility inference..) | The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. [7](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) | | Coverage Features | The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: Policy-level details remain unestablished..) | The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. [7](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23. General coverage description; the issued policy controls..) | | Limits and Retentions | Confirm in your quote. | The Hartford says non-owned auto coverage cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented for business; the page does not publish standard liability limits. [7](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Not publicly disclosed; scope: HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit..) | | How to Apply | Confirm in your quote. | Like standard commercial auto, HNOA is not currently sold online for small businesses; The Hartford directs buyers to a local agency or its partner Tivly for a quote. [7](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) | ## Related Pages for Markel Insurance vs The Hartford - [Markel Insurance vs The Hartford](https://spot.insure/compare/markel-vs-the-hartford): all coverage lines, business roles, service and claims. - [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto): Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work, but it does not cover damage to those vehicles. - [Markel Insurance vs The Hartford Commercial Property Insurance](https://spot.insure/compare/markel-vs-the-hartford/commercial-property) - [Markel Insurance vs The Hartford Crime Insurance](https://spot.insure/compare/markel-vs-the-hartford/crime) - [Markel Insurance vs The Hartford Cyber Insurance](https://spot.insure/compare/markel-vs-the-hartford/cyber) - [Markel Insurance vs The Hartford D&O Insurance](https://spot.insure/compare/markel-vs-the-hartford/directors-officers) - [Markel Insurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/employment-practices) - [Markel Insurance vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/fiduciary) - [Markel Insurance vs The Hartford General Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/general-liability) - [Markel Insurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/markel-vs-the-hartford/inland-marine) - [Markel Insurance vs The Hartford Management Liability Insurance](https://spot.insure/compare/markel-vs-the-hartford/management-liability) - [Markel Insurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/markel-vs-the-hartford/professional-errors-omissions) - [Markel Insurance vs The Hartford Tech E&O Insurance](https://spot.insure/compare/markel-vs-the-hartford/technology-errors-omissions) - [Markel Insurance vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-the-hartford/workers-compensation) - [AIG vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-markel/hired-non-owned-auto) - [AIG vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-the-hartford/hired-non-owned-auto) - [Amelia Risk vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-markel/hired-non-owned-auto) - [Amelia Risk vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/hired-non-owned-auto) - [Beazley vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-markel/hired-non-owned-auto) - [Beazley vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-the-hartford/hired-non-owned-auto) ## Sources for Markel Insurance vs The Hartford ### Sources About Markel Insurance 1. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28. 2. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28. 3. [Small Business Casualty and Property Insurance](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property). Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references.. Accessed 2026-09-29. ### Sources About The Hartford 4. [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. 5. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16. 6. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 7. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; What Is Hired and Non-Owned Auto Insurance?; What Are Considered Non-Owned Vehicles?; What Is Considered a Hired Auto?; What Does Hired and Non-Owned Vehicle Insurance Cover?; What Is Not Covered; Do You Need Hired and Non-Owned Auto Coverage?; What Does Non-Owned Auto Coverage Cost?. Accessed 2026-09-23. ### Sources for the Hired and Non-Owned Auto Insurance Guide 8. [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. 9. [Non-Owned Auto Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16. 10. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). ISO; hosted by National General; I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Markel Insurance Review Scores for 2026 Review Score: 7.5 / 10 from 2 rated sources, equally weighted. There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years. - J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf) - Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com) - BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) - BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/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). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/markel-vs-the-hartford/hired-non-owned-auto.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)