--- title: "Marsh vs The Hartford" description: "How Marsh’s global brokerage and Marsh McLennan Agency differ from placing a policy with The Hartford as insurer." canonical: "https://spot.insure/compare/marsh-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Marsh", "The Hartford"] --- [Human-readable page](https://spot.insure/compare/marsh-vs-the-hartford) # Marsh vs The Hartford How Marsh’s global brokerage and Marsh McLennan Agency differ from placing a policy with The Hartford as insurer. ## Research Scope and Use Use this comparison to evaluate Marsh 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 Marsh is an insurance broker that places coverage for clients, including technology and cyber practices and, in the US and Canada, Marsh McLennan Agency. The Hartford underwrites small-business, commercial and employee-benefits products through Hartford Insurance Group subsidiaries and can be purchased directly for eligible policies. [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [36](https://www.thehartford.com/legal-notice "Legal Notice") [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") ## Introduction A company that needs a broker of record across many countries or a data-center program is hiring Marsh. A company that needs a Hartford business owner’s policy for a two-person software limited-liability company can use Hartford’s small-business quote path. Whether Marsh will submit to a Hartford company is not assumed here. They are complements only when Marsh is producer and a Hartford company is issuer. [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") ## Documented Provider Strengths ### Marsh - Marsh brokers insurance and advises on risk for companies across industries, with a Technology Practice and a US/Canada middle-market path through Marsh McLennan Agency. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [20](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") (Evidence: Company-reported; scope: Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted.; verified: 2026-09-16.) - Marsh places cyber insurance through a dedicated practice and markets large digital-infrastructure property placements through Stratus, alongside MMA executive, property, casualty and benefits brokerage. [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [24](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [5](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.) ### The Hartford - The Hartford designs small-business packages for SaaS and other software companies, typically starting from a business owner’s policy. [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [34](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [56](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [55](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. [34](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [40](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [39](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [49](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [51](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 | Marsh | The Hartford | | --- | --- | --- | | Builders risk | Listed [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") | Not listed | | Business owner’s policy | Not listed | Listed [41](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial auto | Not listed | Listed [49](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial property | Listed [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [5](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") | Listed [43](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Crime | Listed [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed [51](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Cyber liability | Listed [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [24](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") | Listed [45](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Directors and officers | Listed [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed [51](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [52](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | Employee health and benefits | Listed [29](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [22](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") | Listed [56](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") | | Employment practices liability | Listed [12](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed [48](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Equipment breakdown | Listed [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | Not listed | | Fidelity bonds | Listed [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Not listed | | Fiduciary liability | Listed [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed [51](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | General liability | Listed [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | Listed [42](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Hired and non-owned auto | Not listed | Listed [50](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [49](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | Intellectual property | Listed [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Not listed | | Kidnap and ransom | Listed [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed [51](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Management liability | Listed [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [14](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") | Listed [51](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Media liability | Listed [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Not listed | | Professional liability / E&O | Listed [13](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed [47](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | Surety bonds | Listed [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [28](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") | Not listed | | Technology errors and omissions | Listed [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [13](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") | Listed [46](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [45](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | Tools, equipment and inland marine | Not listed | Listed [55](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | Umbrella and excess liability | Not listed | Listed [53](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [54](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | Workers’ compensation | Listed [27](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") | Listed [44](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [33](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 Marsh and the Hartford ### Facilitating Placement Versus Bearing Risk Marsh’s US compensation guide states its role is to facilitate placement. Public contact is an inquiry or RFP, not an online bind. Marsh USA LLC California license 437153 appears on an affinity licensing page as of 8 March 2024. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [19](https://affinity.marsh.com/affinity/licensing.html "Licensing") Hartford subsidiaries issue policies. Eligible small businesses can bind through Hartford’s portal. [40](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") ### Practice Pages Versus Product Pages Marsh cyber and technology pages describe brokerage of cyber, analytics and related solutions; MMA pages list property, casualty, surety and benefits. Those lists are not Hartford forms. Hartford FailSafe and Private Choice Premier are insurer products. Do not treat Marsh’s catalogue union as coverage you personally have. [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [51](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ### How Marsh Gets Paid Marsh may receive insurer retail commissions, client fees under a Client Service Agreement, wholesale commissions and other compensation types. Hartford pays its producers. A Marsh CSA plus Hartford premium is a stacked cost structure to itemize. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [57](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") ## What to Confirm in Quotes - **Which Marsh entity** (Marsh LLC, Marsh USA, MMA) is producer of record. [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") - **Whether Hartford is on the market list** for the submission. [36](https://www.thehartford.com/legal-notice "Legal Notice") - **Fee crediting of commissions** in the CSA versus going Hartford-direct. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") ## Service Comparison Marsh vs The Hartford: documented services and availability. | Criteria | Marsh | The Hartford | | --- | --- | --- | | Business role | Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [2](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.; verified: 2026-09-16.)

Current Marsh materials use more than one US legal name. The compensation guide (copyright 2024, Marsh LLC) refers to Marsh LLC and Marsh USA LLC entering client agreements. The transparency page instead names Marsh LLC and Marsh USA Inc. Marsh McLennan Agency is described as a wholly owned Marsh subsidiary. A 2006 California decision caption used MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES, license 0437153. Confirm the exact contracting producer on the proposal and license documents; current California license status remains unverified. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [19](https://affinity.marsh.com/affinity/licensing.html "Licensing") [20](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [31](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm "MARSH USA INC") (Evidence: Conflicting sources; scope: Unresolved Inc. versus LLC naming. Affinity’s Marsh USA LLC license table is company-reported as of 8 March 2024 and is not a CDI live lookup. Brand unification in January 2026 is described as a brand change, not a change in business structure.; verified: 2026-09-16.) | 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. [36](https://www.thehartford.com/legal-notice "Legal Notice") [57](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [53](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [39](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 | Marsh’s Cyber Insurance practice markets brokerage of cyber policies and related analytics products. Marsh McLennan Agency’s cyber page lists solution areas such as cybercrime, extortion and ransomware, media liability, network interruption and privacy regulatory defense costs. The Technology Practice’s data-center service describes programs that can include property damage, equipment breakdown, business interruption, cyber, general liability and surety for power and interconnection obligations. Stratus is marketed as an operational property exchange for digital infrastructure with potential access to up to $10 billion of property capacity on a single placement; at launch it is focused on property, with inland marine, cyber and casualty described as possible later lines. These are marketed capabilities, not a standard startup package or guaranteed limits. [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [24](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [5](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.)

Marsh’s Directors and Officers page offers D&O program design for public, private and non-profit companies. Its Employment Practices page offers EPLI, including endorsements described for firms with more than 4,000 employees and for midsize firms with 250 to 4,000 employees. Its Professional Liability page offers E&O risk-transfer design, including for technology businesses. MMA’s executive and professional liability practice lists D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, intellectual property and kidnap-and-ransom among policies it places. Endorsement headcount bands and product labels do not establish that a particular Bay Area company qualifies or that wording is equivalent across insurers. [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [12](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [13](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [14](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") (Evidence: Company-reported; scope: Direct Marsh F&PL expertise pages and MMA executive catalogue. Fiduciary, crime, media, IP and K&R are listed on MMA’s practice page; they were not each confirmed on a separate Marsh.com expertise URL in this draft.; verified: 2026-09-16.)

MMA’s business-insurance hub links casualty, property, surety, cyber, executive and professional liability, international placements, captives and small-business programs. Its property page covers commercial property and builders’ risk. Its casualty page includes workers’ compensation. MMA and Marsh sites also market employee health and benefits consulting and placement. MMA’s compensation-guide landing page exists for 2026 but the PDF body was not fully extracted here. [23](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [27](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [28](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") [29](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") (Evidence: Company-reported; scope: MMA solution pages. Texas-office lists and business-insurance FAQ examples were not used as nationwide catalogue proof. Small-business marketing does not establish an online instant-issue product.; verified: 2026-09-16.) | 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. [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [41](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [45](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [46](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [47](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [48](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [49](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [50](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [51](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [53](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [56](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [55](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. [48](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.) | | Application process | The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. [15](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [16](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [21](https://www.marshmma.com/ "Marsh McLennan Agency | USA Insurance Leaders") (Evidence: Company-reported; scope: Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.; verified: 2026-09-16.)

Marsh describes a broker-led placement: identifying insurers for the risk, negotiating coverage and price, and, in core US broking segments, disclosing quotes and premium indications received. It may share incumbent or competing insurer names, pricing objectives, expiring terms, or give an insurer a last look when it believes that is in the client’s interest or the client instructs it. Those market practices are disclosure statements, not a guaranteed outcome or turnaround. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") (Evidence: Company-reported; scope: Compensation guide transparency pledges and market-activity list. Not observed live placements.; verified: 2026-09-16.) | 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. [34](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [33](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [40](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [39](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [49](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [51](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 | Marsh’s US compensation guide says it may be paid by insurer retail commissions, client fees (often in a written Client Service Agreement, sometimes crediting commissions), wholesale commissions, insurer consulting compensation, supplemental commissions, compensation for facilities or other insurer arrangements, interest on premium accounts, and other benefits. Marsh says it does not accept contingent commissions on domestic placements for US clients in core broking operations, except for employee health and benefits or when acting as managing general agent or underwriting manager; Marsh McLennan Agency does accept contingent commissions. Standard public premium ranges or a startup fee schedule were not found. Request an account-specific disclosure of commissions, fees, contingent or supplemental amounts, premium finance charges and any affiliated-market compensation. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [30](https://www.marshmma.com/us/compensation-guide.html "Complete 2026 Agency Compensation Guide | MMA") (Evidence: Company-reported; scope: US compensation guide as of the 2024 copyright PDF retrieved 16 September 2026. MMA’s 2026 guide landing page was reviewed; the MMA PDF itself was not fully extracted. Absence of a public price is not zero cost.; verified: 2026-09-16.) | 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. [57](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [39](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [34](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [33](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.) | | Servicing and renewals | Marsh markets ongoing consulting, analytics and client-advisory services alongside brokerage, including Marsh Risk Consulting, risk analytics and captive solutions named in the compensation guide. MMA describes risk-control, benchmarking and claims management as part of casualty and property service. Core US broking segments pledge to disclose quotes automatically; other segments do so upon request. Public pages do not document a self-serve policy portal comparable to an online-only insurer, and they do not publish a universal renewal timetable. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [23](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [27](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [2](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: Service descriptions, not observed client-portal access. MarketConnect tools that share upcoming-renewal information with insurers are insurer-consulting products, not a buyer portal.; verified: 2026-09-16.) | The Hartford says small-business policyholders can retrieve certificates of insurance online at any time, manage billing and policy details through My Account or its mobile app, and, for workers’ compensation, use pay-as-you-go premium based on actual payroll and a My Workers’ Comp Connection portal. Cyber policyholders are described as having access to a Cyber Center with training and related resources. The reviewed sources did not disclose a published schedule of certificate, endorsement or installment-service fees charged to the insured. [34](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [44](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [45](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [47](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [58](https://www.thehartford.com/claims "Insurance Claim Center") (Evidence: Company-reported; scope: Company service descriptions as of 16 September 2026. Availability of a portal is not a measure of service quality.; verified: 2026-09-16.) | ## Related Reading - [What Is Marsh?](https://spot.insure/insurance-providers/marsh) - [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford) ## Related Comparisons - [Alliance Risk vs Marsh](https://spot.insure/compare/alliance-risk-vs-marsh) - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Amelia Risk vs Marsh](https://spot.insure/compare/amelia-risk-vs-marsh) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Armilla vs Marsh](https://spot.insure/compare/armilla-vs-marsh) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [At-Bay vs Marsh](https://spot.insure/compare/at-bay-vs-marsh) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - [Beazley vs Marsh](https://spot.insure/compare/beazley-vs-marsh) - [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford) - 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[RiskCube vs The Hartford](https://spot.insure/compare/riskcube-vs-the-hartford) - [Risklytics vs The Hartford](https://spot.insure/compare/risklytics-vs-the-hartford) - [StartupInsurance.ai vs The Hartford](https://spot.insure/compare/startupinsurance-vs-the-hartford) - [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford) - [The Hartford vs Travelers Insurance](https://spot.insure/compare/the-hartford-vs-travelers) - [The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi) - [The Hartford vs Vouch](https://spot.insure/compare/the-hartford-vs-vouch) - [The Hartford vs WithCoverage](https://spot.insure/compare/the-hartford-vs-withcoverage) ## Sources ### [Marsh Official Website](https://www.marsh.com/en/home.html) 1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16. 2. [Marsh Risk | Global Leader in Insurance Broking and Risk Management](https://www.marsh.com/risk-home.html). Marsh; Opening advice, analytics and insurance positioning; Our services: consulting, brokerage and claims advocacy; Talk to us sales/RFP inquiry. Accessed 2026-09-16. 3. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; listed practice links including data center insurance, fintech, Stratus; Talk to us contact CTA. FAQ coverage questions treated as educational, not catalogue proof.. Accessed 2026-09-16. 4. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Closing the gaps in conventional coverage (property, casualty, technology E&O); surety for PPA and interconnection; FAQ typical covers: property damage, equipment breakdown, business interruption, cyber, general liability. Accessed 2026-09-16. 5. [Stratus](https://www.marsh.com/en/industries/technology/expertise/stratus.html). Marsh; Operational property insurance exchange for digital infrastructure; up to $10 billion single-placement capacity; prior-submit exchange; Nimbus construction-phase counterpart; launch focused on property. Accessed 2026-09-16. 6. [Fintech Industry Insurance](https://www.marsh.com/en/industries/technology/expertise/fintech-industry-insurance.html). Marsh; Practice positioning for fintech insurance advice; UK-centric client examples; contact CTA. No line-by-line US product schedule.. Accessed 2026-09-16. 7. [Cyber Risk](https://www.marsh.com/en/services/cyber-risk.html). Marsh; Practice overview; expertise links including Cyber Insurance and Claims and Incident Management; ransomware FAQ describing possible policy parts, not a guarantee. Accessed 2026-09-16. 8. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort. Accessed 2026-09-16. 9. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Cyber claims specialists advocating with insurers; review claims, litigation management, proof of loss with forensic accountants. Accessed 2026-09-16. 10. [Claims Management](https://www.marsh.com/en/services/claims-management.html). Marsh; Claims management as advisor between business, insurer and TPA; listed claim types including property, cyber, worker injury, directors liability. Accessed 2026-09-16. 11. [Directors and Officers Liability (D&O)](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html). Marsh; Opening D&O placement for public, private and non-profit companies; US D&O Product Leader listed. Accessed 2026-09-16. 12. [Employment Practices Liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html). Marsh; What we offer: EPLI placement; Global Leaders Endorsement (>4,000 employees) and Leaders Preferred Endorsement (250–4,000 employees). Accessed 2026-09-16. 13. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16. 14. [Financial & Professional Liability](https://www.marsh.com/en/services/financial-professional-liability.html). Marsh; Practice introduction for executive insurance advisory; FAQ distinguishing management liability, D&O and EPL (educational context for the practice page). Accessed 2026-09-16. 15. [Contact us inquiries](https://www.marsh.com/en/contact-us/contact-select.html). Marsh; Please select your type of inquiry; sales/RFP card; JSON-LD legalName Marsh LLC; link to business-form.html. Inspected 16 September 2026; no form submitted.. Accessed 2026-09-16. 16. [Business inquiries](https://www.marsh.com/en/contact-us/contact-select/business-form.html). Marsh; Please complete this form and a Marsh representative will respond within 48 hours; sales/RFP inquiry; separate path noted for certificates, policies and billing. Embedded form iframe not fully field-mapped; no submission.. Accessed 2026-09-16. 17. [Leading the Way in Transparency](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html). Marsh; Placement process; Marsh LLC and Marsh USA Inc. client agreements; Compensation Guide for US Clients; MarketConnect/Market Match insurer consulting; equity-interest disclosure. Accessed 2026-09-16. 18. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; Copyright © 2024, Marsh LLC. Accessed 2026-09-16. 19. [Licensing](https://affinity.marsh.com/affinity/licensing.html). Marsh Affinity; Marsh USA LLC producer license table as of 03/08/2024, including CA 437153; Amazon program administrator role and Victor wholesale/MGA language are program-specific and not treated as the default Marsh retail role. Accessed 2026-09-16. 20. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16. 21. [Marsh McLennan Agency | USA Insurance Leaders](https://www.marshmma.com/). Marsh McLennan Agency; Specialists in insurance, employee benefits and retirement; Contact Us. Accessed 2026-09-16. 22. [Who We Are | MMA](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Business of Marsh (NYSE: MRSH); business insurance, employee health & benefits, retirement & wealth, and private client solutions across the US and Canada. Accessed 2026-09-16. 23. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Client-focused solutions including casualty, cyber, executive & professional liability, property, surety, small business, international; works with a wide variety of carriers. Accessed 2026-09-16. 24. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Placement plus claims advocacy as carrier liaison; listed solution areas including cybercrime, ransomware, media liability, privacy regulatory defense. Accessed 2026-09-16. 25. [Expert Executive and Professional Liability Insurance | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Policies include D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, and kidnap and ransom; coverage subsections for D&O, EPL and cyber. Accessed 2026-09-16. 26. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Commercial property; flood, windstorm, wildfire, earthquake options; builders’ risk; claims advocacy; captives and parametric options. Accessed 2026-09-16. 27. [Comprehensive Casualty Cover | MMA](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Casualty program design; Claims Management; Workers’ Compensation subsection describing WC as coverage for on-the-job injury. Accessed 2026-09-16. 28. [Surety Bonds to Mitigate Company Risk | MMA](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Opening: we provide surety bonds; national market representation. Accessed 2026-09-16. 29. [Employee Health & Benefits Group Insurance | MMA](https://www.marshmma.com/us/services/employee-health-and-benefits.html). Marsh McLennan Agency; Employee benefits consulting positioning; implementation of employee benefits solutions. Accessed 2026-09-16. 30. [Complete 2026 Agency Compensation Guide | MMA](https://www.marshmma.com/us/compensation-guide.html). Marsh McLennan Agency; Landing page for 2026 MMA Compensation Guide download and premium-finance disclosure; PDF body not fully extracted (download redirected). Compensation types for MMA therefore rest primarily on the Marsh US guide’s MMA statements.. Accessed 2026-09-16. 31. [MARSH USA INC](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm). California Department of Insurance; 9 March 2006 precedential decision caption: MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES (license #0437153). Historical enforcement caption, not a 2026 license-status verification.. Accessed 2026-09-16. 32. [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Public search interface retrieved 16 September 2026; no authenticated license-detail record for 437153 was returned in this research (no captcha completion). No current status conclusion drawn.. Accessed 2026-09-16. ### [The Hartford Official Website](https://www.thehartford.com) 33. [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. 34. [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. 35. [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. 36. [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. 37. [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. 38. [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. 39. [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. 40. [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. 41. [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. 42. [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. 43. [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. 44. [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. 45. [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. 46. [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. 47. [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. 48. [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. 49. [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. 50. [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. 51. [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. 52. [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. 53. [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. 54. [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. 55. [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. 56. [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. 57. [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. 58. [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. 59. [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. 60. [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. 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