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

Nationwide describes offering general liability for the audience stated on the cited product page. ⁴Company-reported. general liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

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.

Most businesses are identified as potential buyers; the source directs businesses to an agent to confirm their specific need. ⁴Company-reported. general liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

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.

The cited product page describes medical expenses, attorney fees, and damages for covered liability claims, with product and completed-operations liability available as an endorsement option. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. ⁴Company-reported. general liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

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.

The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. ⁴Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.

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 page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. ⁴Company-reported. general liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

Confirm in your quote.

Confirm in your quote.

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.