--- title: "Newfront vs The Hartford" description: "How WTW-owned Newfront’s technology and executive-risk brokerage differs from placing coverage with The Hartford as insurer." canonical: "https://spot.insure/compare/newfront-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Newfront", "The Hartford"] --- [Human-readable page](https://spot.insure/compare/newfront-vs-the-hartford) # Newfront vs The Hartford How WTW-owned Newfront’s technology and executive-risk brokerage differs from placing coverage with The Hartford as insurer. ## Research Scope and Use Use this comparison to evaluate Newfront 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 Newfront is a business insurance and benefits brokerage that WTW acquired in January 2026, with specialist practices for cyber, D&O and venture-capital programs. The Hartford underwrites small-business, midsize and employee-benefits products through its own companies. [2](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") [29](https://www.newfront.com/industries/technology "Technology") [38](https://www.thehartford.com/legal-notice "Legal Notice") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") ## Introduction A growth-stage company that wants contract-requirement extraction, vendor-certificate tracking and a negotiated directors-and-officers tower is hiring a broker platform. Asking The Hartford for a software-as-a-service business owner’s policy is hiring an insurer. Willis Towers Watson (WTW) ownership does not make Newfront a Hartford company. Whether Newfront will submit to a Hartford company is a quote question. [2](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") ## Documented Provider Strengths ### Newfront - Specialist teams support business insurance, employee benefits and risk management for companies from early stage to enterprise. [1](https://www.newfront.com/ "Newfront") [8](https://www.newfront.com/business-insurance "Business Insurance") [24](https://www.newfront.com/total-rewards "Employee Benefits") (Evidence: Company-reported; scope: Current official service positioning; examples from live navigation. Not a minimum-size or eligibility determination.; verified: 2026-09-15.) - Newfront describes tools that help its team extract contract insurance requirements, compare them with policies and review coverage gaps. [32](https://www.newfront.com/contract-review "AI-Powered Contract Review") [33](https://www.newfront.com/cga "AI-Powered Coverage Gap Analysis") (Evidence: Company-reported; scope: AI-supported advisory tools, not a substitute for actual policy or legal review. No adoption of competitor comparisons, minutes-to-completion or outcome claims.; verified: 2026-09-15.) ### The Hartford - The Hartford designs small-business packages for SaaS and other software companies, typically starting from a business owner’s policy. [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [58](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [57](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. [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [42](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [41](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [51](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [53](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 | Newfront | The Hartford | | --- | --- | --- | | Business owner’s policy | Not listed | Listed [43](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Cargo and transit | Listed [13](https://www.newfront.com/property-insurance "Property") | Not listed | | Commercial auto | Listed [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed [51](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial property | Listed [13](https://www.newfront.com/property-insurance "Property") | Listed [45](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Crime | Listed [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Cyber liability | Listed [12](https://www.newfront.com/cyber-insurance "Cyber Risk") | Listed [47](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Digital assets | Listed [19](https://www.newfront.com/industries/blockchain-and-cryptocurrency "Digital Assets & Blockchain") | Not listed | | Directors and officers | Listed [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [54](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | Employee health and benefits | Listed [24](https://www.newfront.com/total-rewards "Employee Benefits") [25](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") | Listed [58](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") | | Employment practices liability | Listed [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed [50](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Equipment breakdown | Listed [13](https://www.newfront.com/property-insurance "Property") | Not listed | | Fidelity bonds | Listed [11](https://www.newfront.com/executive-risk "Executive Risk") | Not listed | | Fiduciary liability | Listed [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | General liability | Listed [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed [44](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Hired and non-owned auto | Not listed | Listed [52](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [51](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | Intellectual property | Listed [18](https://www.newfront.com/industries/life-science "Life Science") | Not listed | | Kidnap and ransom | Listed [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Management liability | Listed [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Product liability | Listed [10](https://www.newfront.com/casualty-insurance "Casualty") | Not listed | | Product recall | Listed [18](https://www.newfront.com/industries/life-science "Life Science") | Not listed | | Professional liability / E&O | Listed [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed [49](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | Representations and warranties | Listed [23](https://www.newfront.com/services/mergers-acquisitions "Mergers & Acquisitions") | Not listed | | Surety bonds | Listed [14](https://www.newfront.com/surety "Surety") | Not listed | | Technology errors and omissions | Listed [12](https://www.newfront.com/cyber-insurance "Cyber Risk") | Listed [48](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [47](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | Tools, equipment and inland marine | Not listed | Listed [57](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | Umbrella and excess liability | Listed [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed [55](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [56](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | Venture capital asset protection | Listed [16](https://www.newfront.com/industries/venture-capital "Venture Capital") | Not listed | | Virtual care and telehealth | Listed [20](https://www.newfront.com/industries/digital-health-and-telemedicine "Digital Health & Telemedicine") | Not listed | | Workers’ compensation | Listed [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed [46](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [35](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 Newfront and the Hartford ### WTW Brokerage Versus Hartford Paper WTW completed its acquisition of Newfront on 27 January 2026. Current terms use Newfront Insurance Services; older disclosures mention ABD Insurance and Financial Services, Inc. Confirm the licensed entity. Newfront analyzes risk and acts as claims liaison; it is not the insurer. Integration with WTW systems was described as ongoing in a March 2026 privacy notice. [2](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") [3](https://www.newfront.com/terms "General Terms Of Use") Hartford Fire and other affiliates issue Hartford policies. Direct small-business purchase remains available. [38](https://www.thehartford.com/legal-notice "Legal Notice") ### Practice Depth Versus Product Pages Newfront catalogues casualty, executive risk, cyber and technology errors and omissions, property including catastrophe perils, surety, a venture-capital insurance program (VCAP) for funds, life-science, digital-asset and transactional products, plus employee benefits strategy. Hartford documents a business owner’s policy, FailSafe, Private Choice Premier, inland marine for larger accounts and employee benefits through Hartford Life and Accident. Newfront’s VCAP and clinical-trial portal are not listed on Hartford’s software-as-a-service industry page; that is a difference in public marketing, not a finding that Hartford never writes related specialty. Hartford’s California built-in employment-practices limitation still applies if the quote is a Hartford business owner’s policy. [29](https://www.newfront.com/industries/technology "Technology") [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [50](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") ### Consultation Versus Portal Checkout Newfront’s public path is a consultation form, not a bindable premium. Navigator holds documents and certificates; carrier approval is required before a change is in force. Contract Review and Coverage Gap Analysis are company-described tools. Hartford’s small-business portal is built to quote and pay. [1](https://www.newfront.com/ "Newfront") [42](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") Business-insurance fee schedules were not found on Newfront’s public terms materials reviewed for this comparison; Total Rewards uses an order form. Hartford discloses producer compensation. [3](https://www.newfront.com/terms "General Terms Of Use") [59](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") ## What to Confirm in Quotes - **Whether Newfront is marketing Hartford** or other WTW markets for the same lines. [29](https://www.newfront.com/industries/technology "Technology") - **Navigator versus Hartford My Account** for certificates after placement. [1](https://www.newfront.com/ "Newfront") [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") - **Benefits compensation and 60-day exit terms** if Total Rewards is in scope, versus Hartford employee-benefits paper. [3](https://www.newfront.com/terms "General Terms Of Use") [58](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") ## Service Comparison Newfront vs The Hartford: documented services and availability. | Criteria | Newfront | The Hartford | | --- | --- | --- | | Business role | WTW announced that it completed its acquisition of Newfront on January 27, 2026. Newfront’s Business Insurance team joined WTW’s Risk & Broking segment, while Total Rewards joined Health, Wealth & Career. [2](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") (Evidence: Company-reported; scope: Acquirer’s completed-transaction announcement, corroborated by current Newfront homepage; company-reported corporate event, not an insurer financial-strength assessment.; verified: 2026-09-15.)

Newfront’s current terms use the name Newfront Insurance Services. An older official disclosure identifies ABD Insurance and Financial Services, Inc. as the agency behind the Newfront brand following its 2022 merger. The current site calls Newfront Insurance Services a trade name; confirm the full contracting producer name on your engagement agreement. [3](https://www.newfront.com/terms "General Terms Of Use") [1](https://www.newfront.com/ "Newfront") [5](https://downloads.ctfassets.net/c3s9zap8g5rq/13QEYBm9gO92xSeBRClBJc/3e91fc2fb08aea6d7669bbc1fcb3ea4e/Inflection-Point_The-Transformative-Promise-of-AI-in-Insurance-and-Beyond.pdf "Inflection Point: The Transformative Promise Of AI In Insurance And Beyond") (Evidence: Company-reported; scope: Historical corporate identity is separated from current trade-name usage. Current license record and any subsequent legal-name changes could not be independently established. No claim that the former Newfront Insurance Services, LLC remains a separate current producer.; verified: 2026-09-15.)

Newfront’s brokerage team analyzes risks and negotiates insurance placement. Its claims service acts as a liaison with the carrier. The broker’s advice and advocacy do not make Newfront the insurer responsible for the policy. [8](https://www.newfront.com/business-insurance "Business Insurance") [12](https://www.newfront.com/cyber-insurance "Cyber Risk") [34](https://www.newfront.com/services/claims-advocacy "Claims Advocacy") [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: Documented broking and carrier roles. Do not infer risk-bearing authority from “program,” “underwriting,” or ownership of technology.; verified: 2026-09-15.) | 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. [38](https://www.thehartford.com/legal-notice "Legal Notice") [59](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [55](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [41](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 | Newfront’s casualty offering lists general liability, product liability, commercial auto liability, workers’ compensation, umbrella and excess liability, and environmental and pollution liability. Its workers’ compensation practice describes both conventional programs and structures with larger deductibles or premiums adjusted using loss experience. [10](https://www.newfront.com/casualty-insurance "Casualty") [15](https://www.newfront.com/workers-compensation "Workers’ Compensation") (Evidence: Company-reported; scope: Direct offering pages. Labels establish marketed brokerage capabilities, not insured hazards, available limits or entitlement under a policy. “Retro” paraphrased as loss-adjusted premiums.; verified: 2026-09-15.)

Executive Risk covers the brokerage’s management-liability work: directors and officers (D&O), employment practices, and fiduciary liability for benefit-plan decision makers. Its catalogue also lists professional errors and omissions (E&O), fidelity and crime, kidnap and ransom, independent-director liability, local foreign policies, and Side A difference-in-conditions D&O protection. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Direct Key Coverages list and practice description. Side A DIC is a specialized D&O option; actual trigger and exclusions require proposed wording. Fidelity is not fiduciary liability.; verified: 2026-09-15.)

The Cyber Risk practice offers cyber liability and technology E&O, with listed areas including data breaches, network-security liability, business interruption, and cyber extortion or ransomware. Newfront describes negotiating wording with insurers and working with clients on security controls and breach-response preparation. [12](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Direct offering page; listed areas can be coverage parts rather than separate policies. No inferred right to ransom reimbursement or guaranteed acceptance by an insurer.; verified: 2026-09-15.)

The property practice offers property and business-interruption programs, cargo stock-throughput coverage for goods moving through the supply chain, and catastrophe options including flood, windstorm, earthquake, wildfire, and terrorism. It also describes equipment-breakdown risks, layered placements with multiple insurers, deductible buy-downs, and parametric insurance that uses an agreed event trigger. [13](https://www.newfront.com/property-insurance "Property") [28](https://www.newfront.com/services/alternative-risk-financing "Alternative Risk Financing") (Evidence: Company-reported; scope: Current property offering; scope of catastrophe cover and parametric triggers must come from actual forms. No claim all-risks means every risk is covered.; verified: 2026-09-15.)

Newfront arranges contract and commercial surety bonds, including performance, payment, and subdivision or developer bonds. Its surety practice also markets subcontractor-default and project-loss insurance. These are distinct arrangements; ask for the bond’s indemnity obligations as well as its price. [14](https://www.newfront.com/surety "Surety") (Evidence: Company-reported; scope: Direct offering. Bonds are not treated as interchangeable with liability insurance; no universal instant-issuance claim.; verified: 2026-09-15.)

For venture-capital funds, Newfront markets Venture Capital Asset Protection (VCAP), combining management liability, professional liability, outside-directorship liability, employment practices, and fiduciary liability. It also describes a custom endorsement negotiated with participating carriers to adjust coverage, conditions, exclusions, and definitions for the fund. [16](https://www.newfront.com/industries/venture-capital "Venture Capital") (Evidence: Company-reported; scope: Direct VCAP offering. Public description does not provide the endorsement form or name participating insurers. Does not establish that every portfolio company is a named insured.; verified: 2026-09-15.)

Newfront’s Asset Protection Program serves lenders and loan servicers with lender-placed insurance and coverage for lender-owned property. It spans real-estate, equipment, and auto lending, with services for loan tracking, borrower notices, insurance placement, and claims administration support. [17](https://www.newfront.com/asset-protection-program "Asset Protection Program") (Evidence: Company-reported; scope: Direct specialty offering, not a general startup package. REO paraphrased as lender-owned property; actual insured interests and delegated authority not disclosed.; verified: 2026-09-15.)

Newfront’s life-science practice designs programs for clinical trials, product liability and recall, and describes intellectual-property insurance work. Its digital-asset practice addresses theft and custody risks; its digital-health team designs programs around professional, product, and cyber liability for telemedicine businesses. [18](https://www.newfront.com/industries/life-science "Life Science") [19](https://www.newfront.com/industries/blockchain-and-cryptocurrency "Digital Assets & Blockchain") [20](https://www.newfront.com/industries/digital-health-and-telemedicine "Digital Health & Telemedicine") (Evidence: Company-reported; scope: Direct specialty service pages; IP supported by leadership description of delivered insurance contracts. Digital-assets and telehealth shared keys denote specialty programs, not standardized named forms.; verified: 2026-09-15.)

Other offerings include aviation insurance for aircraft and operators; event-cancellation, weather, and parametric solutions for entertainment businesses; and representations-and-warranties, tax, and contingent-liability insurance for transactions. Newfront also advises on captives and other alternative ways to finance risk. [21](https://www.newfront.com/industries/aviation "Aviation") [22](https://www.newfront.com/industries/entertainment "Entertainment") [23](https://www.newfront.com/services/mergers-acquisitions "Mergers & Acquisitions") [28](https://www.newfront.com/services/alternative-risk-financing "Alternative Risk Financing") (Evidence: Company-reported; scope: Direct current services. Aviation, event cancellation, tax, contingent liability and environmental insurance lack shared sidebar keys; retained in prose without changing the framework.; verified: 2026-09-15.)

The employee-benefits practice helps design and administer benefit programs, with HR support and global-benefits services. Its strategic-planning team evaluates fully insured, level-funded, self-funded, and captive arrangements, including stop-loss program design and pharmacy-benefit options. Retirement and compensation consulting are separate services within Total Rewards. [24](https://www.newfront.com/total-rewards "Employee Benefits") [25](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") (Evidence: Company-reported; scope: Direct offering pages; funding methods are not equivalent policy products. Retirement advice and salary compensation consulting are not commercial casualty coverage.; verified: 2026-09-15.) | 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. [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [43](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [47](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [48](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [49](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [50](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [51](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [52](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [55](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [58](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [57](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. [50](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 buying path starts with a consultation request. The form asks for your role, company, contact details, industry, employee count, and the service you need. It does not display a premium or bind coverage. [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Verified; scope: Codex inspected the empty public form in Chrome on 15 September 2026. No information entered or form submitted; downstream underwriting and purchasing workflow not tested.; verified: 2026-09-15.)

Newfront describes assembling a team for your industry, reviewing your business and risk exposures, and presenting that information to underwriters. Its technology practice describes onboarding and renewal reviews, with additional market shopping when appropriate. The reviewed public pages do not promise a universal quote or binding turnaround. [8](https://www.newfront.com/business-insurance "Business Insurance") [29](https://www.newfront.com/industries/technology "Technology") [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Company-reported; scope: Service descriptions, not observed customer onboarding or measured timing. A consultation is not a completed insurance application.; verified: 2026-09-15.)

Some online services may require you to appoint Newfront as broker of record—the broker designated to service your insurance. Ask which tools and services are included before signing that appointment. [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: General Terms §1.2; condition applies to some services, not a claim all public pages require an appointment.; verified: 2026-09-15.)

Life-science clients can use Newfront’s Clinical Trial Portal to check country requirements, upload documents, and request quotes. The public description does not establish automatic approval or a guaranteed time to receive coverage. [18](https://www.newfront.com/industries/life-science "Life Science") (Evidence: Company-reported; scope: Public portal description only; no portal authentication, uploads or quotation attempts.; verified: 2026-09-15.) | 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. [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [42](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [41](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [51](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [53](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.) | | Servicing and renewals | Newfront says Navigator brings together policy documents, certificates, claims information, payment tools, and communication with the service team. Its Executive Risk page describes renewal submissions pre-filled with historical data and document sharing with access controls. [30](https://www.newfront.com/navigator "Newfront Navigator") [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Official feature documentation and demonstration assets only; no authenticated client account was used or outcome measured.; verified: 2026-09-15.)

A policy or coverage change requested through Navigator remains preliminary until the applicable carrier approves it and provides written confirmation. A submitted request is not evidence that the new coverage is in force. [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: General Terms §5.3. Contractual limitation, not an interpretation of a customer policy.; verified: 2026-09-15.)

Newfront says its Partner Management tool is included in client service agreements at no additional cost. It tracks vendor certificates, expiration dates, compliance issues, and follow-up activity inside Navigator. This is a statement about that tool, not a promise of free brokerage services. [31](https://www.newfront.com/partner-management "Partner Management Tool") (Evidence: Company-reported; scope: Current feature page inclusion statement; actual client eligibility and service scope require agreement confirmation.; verified: 2026-09-15.)

Newfront’s Contract Review tool extracts insurance requirements, compares them with current policies, provides source citations, and notifies the Newfront team. Its Coverage Gap Analysis tool supports the team’s policy reviews. These are company-described functions; the reviewed materials do not independently establish accuracy or prove that all gaps will be detected. [32](https://www.newfront.com/contract-review "AI-Powered Contract Review") [33](https://www.newfront.com/cga "AI-Powered Coverage Gap Analysis") (Evidence: Company-reported; scope: AI-supported advisory tools, not a substitute for actual policy or legal review. No adoption of competitor comparisons, minutes-to-completion or outcome claims.; verified: 2026-09-15.)

Newfront’s March 2026 privacy notice describes integration with WTW as ongoing and anticipates substantial integration by year-end, subject to legal and contractual limits. That is a stated plan, not confirmation that systems, data practices, or service agreements have already been unified. [4](https://www.newfront.com/privacy "Privacy Policy") (Evidence: Company-reported; scope: Introduction, integration statement dated 13 March 2026; do not present anticipated timing as a completed event.; verified: 2026-09-15.) | 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. [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [46](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [47](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [49](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [60](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.) | | Fees and compensation | A standard business-insurance fee schedule, commission percentage, or premium range was not found in the reviewed business, consultation, and general-terms pages. Request an account-specific disclosure of brokerage fees, insurer commissions, other remuneration, and any separately billed services. [8](https://www.newfront.com/business-insurance "Business Insurance") [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Not found in reviewed sources; scope: Public commercial property/casualty pricing scope. Employee-benefits terms below are not extrapolated to P&C; absence of a public schedule does not mean zero compensation.; verified: 2026-09-15.)

For Total Rewards, the order form sets compensation. The published terms allow insurer-paid commissions or client fees and disclose additional carrier compensation tied to the wider book of business. They also address non-cash compensation, retained unused carrier funds, and separate pass-through expenses. Newfront says supplemental commissions will not affect its recommendations. [26](https://www.newfront.com/terms/total-rewards "Total Rewards Terms Of Service") (Evidence: Company-reported; scope: Total Rewards Terms §§4.1–4.8 only; not P&C-wide terms. Company promise about recommendations is not independently verified conflict-of-interest performance.; verified: 2026-09-15.)

Total Rewards agreements renew annually unless written nonrenewal notice is given at least 60 days in advance. Termination for convenience is allowed during renewal terms with 60 days’ written notice; the client must retain Newfront as broker of record through the current agreement term. Separately, a participating Block Strategy client ending the agreement for convenience during an active affected policy can owe an early-exit fee based on remaining premium savings. [26](https://www.newfront.com/terms/total-rewards "Total Rewards Terms Of Service") (Evidence: Company-reported; scope: Total Rewards Terms §§3.2–3.4. Section 3.4.1 conditions the savings-based fee on Block Strategy participation and active affected coverage; §3.4.2 applies broker-of-record retention to termination for convenience under §3.4, without that participation condition. Not general business-insurance cancellation terms.; verified: 2026-09-15.) | 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. [59](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [41](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [35](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.) | ## Related Reading - [What Is Newfront?](https://spot.insure/insurance-providers/newfront) - [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford) ## Related Comparisons - [Alliance Risk vs Newfront](https://spot.insure/compare/alliance-risk-vs-newfront) - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Amelia Risk vs Newfront](https://spot.insure/compare/amelia-risk-vs-newfront) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Armilla vs Newfront](https://spot.insure/compare/armilla-vs-newfront) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [At-Bay vs Newfront Insurance](https://spot.insure/compare/at-bay-vs-newfront) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - [Beazley vs Newfront](https://spot.insure/compare/beazley-vs-newfront) - 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[Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford) - [Relm vs The Hartford](https://spot.insure/compare/relm-vs-the-hartford) - [Resilience vs The Hartford](https://spot.insure/compare/resilience-vs-the-hartford) - [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 ### [Newfront Official Website](https://www.newfront.com) 1. [Newfront](https://www.newfront.com/). Newfront; Built to Scale; business and industry navigation; footer trade-name and license notice; WTW announcement hero. Accessed 2026-09-15. 2. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15. 3. [General Terms Of Use](https://www.newfront.com/terms). Newfront; Last updated 17 July 2025; opening contracting name; §1.2 Additional Requirements; §5.3 Reliance on Services; §2 copyright and use restrictions. Accessed 2026-09-15. 4. [Privacy Policy](https://www.newfront.com/privacy). Newfront; Last updated 13 March 2026; Introduction, paragraphs beginning “On January 27, 2026” and “We anticipate”; integration timetable and qualifications. Accessed 2026-09-15. 5. [Inflection Point: The Transformative Promise Of AI In Insurance And Beyond](https://downloads.ctfassets.net/c3s9zap8g5rq/13QEYBm9gO92xSeBRClBJc/3e91fc2fb08aea6d7669bbc1fcb3ea4e/Inflection-Point_The-Transformative-Promise-of-AI-in-Insurance-and-Beyond.pdf). Newfront; PDF page 14 of 14, ©2023 footer: Newfront brand name; ABD Insurance and Financial Services, Inc. as surviving agency; 1 January 2022 merger. Historical disclosure, not current license verification.. Accessed 2026-09-15. 6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Search for 0H55918 on 15 September 2026 returned “Captcha validation failed” and no record; no status or legal-name conclusion drawn. Accessed 2026-09-15. 7. [License List Linked By Newfront](https://docs.google.com/document/d/1UMPePkw6yPnyB41_ME6Tmb0OfTAyDl7dA6bgyLPVvW8/edit). Newfront (linked Google document); Footer-linked document redirected to Google sign-in on 15 September 2026; document contents not accessible. Accessed 2026-09-15. 8. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15. 9. [Get Started Today](https://www.newfront.com/talk-to-an-expert). Newfront; Complete unsubmitted consultation form: contact and company fields, industry, employee count, service choices and Additional Details. Accessed 2026-09-15. 10. [Casualty](https://www.newfront.com/casualty-insurance). Newfront; Our Approach; Key Coverages to Protect Your Business. Accessed 2026-09-15. 11. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business; Industry-Leading Technology; practice-leader description of management liability lines. Accessed 2026-09-15. 12. [Cyber Risk](https://www.newfront.com/cyber-insurance). Newfront; Coverage Negotiation; Subject Matter Expertise; Key Coverages to Protect Your Business. Accessed 2026-09-15. 13. [Property](https://www.newfront.com/property-insurance). Newfront; Opening equipment-breakdown example; No Two Risks are Alike; Key Coverages to Protect Your Business. Accessed 2026-09-15. 14. [Surety](https://www.newfront.com/surety). Newfront; Contract Bonds; Commercial Bonds; Industry-Leading Technology; Key Bond Types for Your Business. Accessed 2026-09-15. 15. [Workers’ Compensation](https://www.newfront.com/workers-compensation). Newfront; Optimized Risk Financing; Claims Advocacy; Circle of Care; Technology-Based Resources. Accessed 2026-09-15. 16. [Venture Capital](https://www.newfront.com/industries/venture-capital). Newfront; Our approach; Comprehensive Coverage: Venture Capital Asset Protection; Customized Coverage: Manuscript Coverage Endorsement. Accessed 2026-09-15. 17. [Asset Protection Program](https://www.newfront.com/asset-protection-program). Newfront; Tailored LPI Services; Comprehensive Coverage Solutions; Strong Carrier Partnerships; Seamless Technology & Full-Service Support. Accessed 2026-09-15. 18. [Life Science](https://www.newfront.com/industries/life-science). Newfront; Insightful risk management; Foreign clinical trial expertise; Clinical trial portal; leadership description of IP insurance contracts. Accessed 2026-09-15. 19. [Digital Assets & Blockchain](https://www.newfront.com/industries/blockchain-and-cryptocurrency). Newfront; Subject matter expertise: theft of digital assets, custody and counterparties; underwriter relationships in US, London and Bermuda. Accessed 2026-09-15. 20. [Digital Health & Telemedicine](https://www.newfront.com/industries/digital-health-and-telemedicine). Newfront; Opening coverage/program description; Vertically-dedicated team; A tech-forward take; Step-by-step claims guidance. Accessed 2026-09-15. 21. [Aviation](https://www.newfront.com/industries/aviation). Newfront; Custom Strategy; Deep Industry Connections; Subject Matter Expertise: aircraft, helicopters, VTOL and drones. Accessed 2026-09-15. 22. [Entertainment](https://www.newfront.com/industries/entertainment). Newfront; Subject matter expertise: live events, theme parks, resorts, media companies, event cancellation, weather and parametrics. Accessed 2026-09-15. 23. [Mergers & Acquisitions](https://www.newfront.com/services/mergers-acquisitions). Newfront; Transaction liability: R&W, tax and contingent liability; Due diligence; Go-forward insurance & benefits. Accessed 2026-09-15. 24. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-15. 25. [Strategic Planning](https://www.newfront.com/total-rewards/strategic-planning). Newfront; Funding Approach; Pharmacy Solutions; Renewal Negotiations & Proprietary Programs. Accessed 2026-09-15. 26. [Total Rewards Terms Of Service](https://www.newfront.com/terms/total-rewards). Newfront; Last updated 4 May 2026; §§1–2 scope and client obligations; §§3.2–3.4 renewal, termination and Block Strategy; §§4.1–4.8 compensation and expenses. Accessed 2026-09-15. 27. [Global Insurance](https://www.newfront.com/services/global). Newfront; Our Approach; Worldwide Connections; Global Services including locally admitted coverage. Accessed 2026-09-15. 28. [Alternative Risk Financing](https://www.newfront.com/services/alternative-risk-financing). Newfront; Analyze the options; Robust and unique solutions; Leveraging a Captive. Accessed 2026-09-15. 29. [Technology](https://www.newfront.com/industries/technology). Newfront; Process-driven approach; Fully engaged; IPO D&O Toolkit. Accessed 2026-09-15. 30. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence.; Explore What You Can Do in Navigator; official BI_NAV-3.jpg demonstration asset. Accessed 2026-09-15. 31. [Partner Management Tool](https://www.newfront.com/partner-management). Newfront; Simplify Compliance. Strengthen Vendor Management.; Automated Compliance, No Extra Cost. Accessed 2026-09-15. 32. [AI-Powered Contract Review](https://www.newfront.com/contract-review). Newfront; Introduction; Clarity Without the Complexity; Backed by Experts. Accessed 2026-09-15. 33. [AI-Powered Coverage Gap Analysis](https://www.newfront.com/cga). Newfront; Consistent, Confident Coverage Reviews; walkthrough describing tools used by Newfront teams. Accessed 2026-09-15. 34. [Claims Advocacy](https://www.newfront.com/services/claims-advocacy). Newfront; Pre-loss protocols; Meaningful consulting; Proactive advocacy; Comprehensive service at the core. Accessed 2026-09-15. ### [The Hartford Official Website](https://www.thehartford.com) 35. [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. 36. [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. 37. [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. 38. [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. 39. [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. 40. [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. 41. [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. 42. [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. 43. [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. 44. [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. 45. [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. 46. [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. 47. [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. 48. [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. 49. [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. 50. [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. 51. [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. 52. [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. 53. [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. 54. [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. 55. [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. 56. [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. 57. [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. 58. [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. 59. [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. 60. [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. 61. [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. 62. [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. [Editorial policy](https://spot.insure/editorial-policy). 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