--- title: "Resilience vs The Hartford" description: "Compare Resilience’s specialist technology E&O with The Hartford’s BOP, cyber and FailSafe routes for a California SaaS company." canonical: "https://spot.insure/compare/resilience-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Resilience", "The Hartford"] --- [Human-readable page](https://spot.insure/compare/resilience-vs-the-hartford) # Resilience vs The Hartford Compare Resilience’s specialist technology E&O with The Hartford’s BOP, cyber and FailSafe routes for a California SaaS company. ## Research Scope and Use Use this comparison to evaluate Resilience 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 Resilience markets cyber and technology E&O with security services. The Hartford is an insurance group offering small-business packages and distinct cyber and technology products, including BOP cyber options, CyberChoice and FailSafe. [1](https://cyberresilience.com/ "Home Page") [14](https://www.thehartford.com/legal-notice "Legal Notice") [23](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") ## Introduction A California SaaS founder comparing a Hartford small-business package with Resilience should first identify which Hartford cyber product is proposed. The Hartford describes BOP cyber protection, CyberChoice First Response and FailSafe technology E&O as distinct routes. Resilience markets specialist cyber and technology E&O. A package price and a specialist policy price are not comparable until the selected protections are clear. [23](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") ## Documented Provider Strengths ### Resilience - Technology E&O for software, hardware and technology services [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology-specific professional liability; not general professional E&O or a guarantee of offered limits.; verified: 2026-09-16.) - Financial risk prioritization and multi-entity cyber visibility [8](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") [9](https://cyberresilience.com/products/multi-entity-and-portfolio-risk "Multi-Entity & Portfolio Risk") (Evidence: Company-reported; scope: Current named cybersecurity products; outcomes not independently established.; 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. [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [12](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [34](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [33](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. [12](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [18](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [17](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [27](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [29](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 | Resilience | The Hartford | | --- | --- | --- | | Business owner’s policy | Not listed | Listed [19](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial auto | Not listed | Listed [27](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial property | Not listed | Listed [21](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Crime | Not listed | Listed [29](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Cyber liability | Listed [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") | Listed [23](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Directors and officers | Not listed | Listed [29](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [30](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | Employee health and benefits | Not listed | Listed [34](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") | | Employment practices liability | Not listed | Listed [26](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Fiduciary liability | Not listed | Listed [29](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | General liability | Not listed | Listed [20](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Hired and non-owned auto | Not listed | Listed [28](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [27](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | Kidnap and ransom | Not listed | Listed [29](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Management liability | Not listed | Listed [29](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Professional liability / E&O | Not listed | Listed [25](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | Technology errors and omissions | Listed [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") | Listed [24](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [23](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | Tools, equipment and inland marine | Not listed | Listed [33](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | Umbrella and excess liability | Not listed | Listed [31](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [32](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | Workers’ compensation | Not listed | Listed [22](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [11](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 Resilience and the Hartford ### Use the Technology Form When the Exposure Is Technology Work The Hartford's SaaS page combines premises-related coverage with discussion of cyber and technology liability. Its FailSafe page addresses technology activities. Ask whether the quote covers alleged errors in the software service, only particular breach expenses, or both. Resilience's technology E&O description provides another product route, but its published revenue appetite must be checked before treating it as an available alternative. [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [24](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") ### Do Not Import National Package Features Into California 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. [26](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.) That restriction matters if the buyer expects a BOP to satisfy hiring-related liability needs as well as premises and cyber requirements. It is not evidence that no separately structured California EPL coverage can be obtained. Resilience's cyber/E&O catalogue likewise does not complete the employment-liability workstream. Ask for that line separately and avoid treating missing catalogue entries as denials of availability. [29](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [1](https://cyberresilience.com/ "Home Page") The Hartford has a California marketing page and independently corroborated authorization for Hartford Fire; the actual technology-product issuer remains quote-specific. Resilience's California placement basis is unresolved in the reviewed evidence. State-level corporate authorization should not substitute for a written product offer on either side. [13](https://www.thehartford.com/business-insurance/california "California Business Insurance") [38](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [2](https://cyberresilience.com/disclaimer/ "Disclaimer") ### Choose the Purchase Route for the Product The Hartford permits online, phone and agent routes for eligible small-business products, but some lines use different channels. Resilience's documented path is broker-led or contact-based. Ask who will coordinate the full SaaS program if the cyber component is placed separately; neither online steps nor a demo request establishes an effective policy. [17](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [29](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [5](https://cyberresilience.com/brokers "Brokers") [7](https://cyberresilience.com/contact-us "Contact Us") ## What to Confirm in Quotes Name the exact Hartford cyber/technology product and compare its forms with the Resilience offer. Resolve software-service eligibility, California EPL structure, issuing entities and incident contacts. Ask whether security tools, policy administration and any brokerage fees are included or separately charged. [23](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [35](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [2](https://cyberresilience.com/disclaimer/ "Disclaimer") ## Service Comparison Resilience vs The Hartford: documented services and availability. | Criteria | Resilience | The Hartford | | --- | --- | --- | | Business role | Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. [1](https://cyberresilience.com/ "Home Page") [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Brand-level offering; not a statement that the brand is the risk-bearing insurer.; verified: 2026-09-16.)

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. [2](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: US distribution entity; regulator license lookup not completed.; 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. [14](https://www.thehartford.com/legal-notice "Legal Notice") [35](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [31](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [17](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.) | | Application process | Resilience presents insurance to brokers through a dedicated broker page and offers a public contact route for product inquiries. The reviewed pages do not document an end-to-end self-service purchase or a guaranteed quote or binding time. [5](https://cyberresilience.com/brokers "Brokers") [7](https://cyberresilience.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Observed public broker/contact route; no application submitted or portal accessed.; 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. [12](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [11](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [18](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [17](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [27](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [29](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.) | | Access to insurers | Resilience’s US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriting insurers. It does not specify which would issue a particular California quote. [2](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: Company-reported US insurer disclosure; no binder or California policy form reviewed.; verified: 2026-09-16.) | Coverages described on Hartford sites may be offered by one or more property-and-casualty subsidiaries listed in the Legal Notice. Hartford Fire Insurance Company (NAIC 19682) is authorized in all U.S. states and the District of Columbia according to that notice, and California CDI independently confirms its California authorization. Employee-benefits pages also name Hartford Life and Accident Insurance Company. The reviewed sources do not identify the writing company that would appear on a specific SaaS, BOP or technology E&O policy. [14](https://www.thehartford.com/legal-notice "Legal Notice") [31](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [20](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [34](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [38](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") (Evidence: Company-reported; scope: Legal notice writing-company table as of 31 December 2025, rechecked 16 September 2026, plus CDI verification for Hartford Fire only. Other affiliates were not each re-checked at a state regulator.; verified: 2026-09-16.) | | Availability | Resilience markets cyber and technology E&O in the United States. The reviewed product and legal pages do not establish the California-specific placement route, insurer selection or admitted versus surplus-lines status for either product. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [2](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Not found in reviewed sources; scope: California eligibility remains unresolved; neither the San Francisco office nor a national producer number establishes state product availability.; verified: 2026-09-16.) | The Hartford states that products are not available in all states or for all businesses, and that listing a writing company as authorized to transact insurance does not guarantee that coverage will be offered. Workers’ compensation pages also say that in some states coverage can be bought only from a state-run program, not from a private insurer such as The Hartford. [12](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [14](https://www.thehartford.com/legal-notice "Legal Notice") [22](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [19](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company availability footnotes and workers’ compensation quiz copy as of 16 September 2026. The reviewed pages did not publish a complete product-by-state matrix for SaaS or BOP.; verified: 2026-09-16.)

The Hartford operates a California small-business insurance page that lists BOP, general liability, workers’ compensation, commercial auto, commercial property and professional liability and says California buyers can get a quote online or by phone. Hartford Fire Insurance Company is independently listed by the California Department of Insurance as an authorized property-and-casualty insurer (NAIC 19682). Those facts do not identify which affiliate would issue a particular California policy or whether a given SaaS risk will be accepted. [13](https://www.thehartford.com/business-insurance/california "California Business Insurance") [38](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [14](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Company-reported; scope: Company California marketing plus CDI company profile accessed 16 September 2026. Office location and nationwide authorization tables were not treated as product eligibility.; verified: 2026-09-16.) | | Servicing and renewals | Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. [8](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") [9](https://cyberresilience.com/products/multi-entity-and-portfolio-risk "Multi-Entity & Portfolio Risk") (Evidence: Company-reported; scope: Current named cybersecurity products; outcomes not independently established.; verified: 2026-09-16.)

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. [2](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: Company disclaimer; does not establish free services or package pricing.; verified: 2026-09-16.)

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. [5](https://cyberresilience.com/brokers "Brokers") [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Not publicly disclosed; scope: Scoped to current HTML pages; older package materials were not used to promise current renewal terms.; 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. [12](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [22](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [23](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [25](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [36](https://www.thehartford.com/claims "Insurance Claim Center") (Evidence: Company-reported; scope: Company service descriptions as of 16 September 2026. 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[Resilience vs Travelers](https://spot.insure/compare/resilience-vs-travelers) - [Resilience vs USI](https://spot.insure/compare/resilience-vs-usi) - [Resilience vs Vouch](https://spot.insure/compare/resilience-vs-vouch) - [Resilience vs WithCoverage](https://spot.insure/compare/resilience-vs-withcoverage) - [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 ### [Resilience Official Website](https://cyberresilience.com/) 1. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16. 2. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; Opening paragraphs and USA jurisdiction disclosure. Accessed 2026-09-16. 3. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Why choose cyber insurance; Policy coverage; Broad market appetite. Accessed 2026-09-16. 4. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; Technology risk categories; Key benefits / A Broad Market Appetite. Accessed 2026-09-16. 5. [Brokers](https://cyberresilience.com/brokers). Resilience; Broker benefits; Use cases; Insurance & risk solutions. Accessed 2026-09-16. 6. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; Our difference; Support from start to resolution; Claims panel. Accessed 2026-09-16. 7. [Contact Us](https://cyberresilience.com/contact-us). Resilience; Contact us; emergency claims instructions. Accessed 2026-09-16. 8. [Security Investment Prioritization](https://cyberresilience.com/products/security-investment-prioritization). Resilience; Resilience Edge introduction and Key benefits. Accessed 2026-09-16. 9. [Multi-Entity & Portfolio Risk](https://cyberresilience.com/products/multi-entity-and-portfolio-risk). Resilience; Resilience Arc introduction. Accessed 2026-09-16. 10. [Terms and Conditions](https://cyberresilience.com/terms-and-conditions/). Resilience; Opening website agreement; separate written agreements. Accessed 2026-09-16. ### [The Hartford Official Website](https://www.thehartford.com) 11. [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. 12. [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. 13. [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. 14. [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. 15. [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. 16. [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. 17. [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. 18. [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. 19. [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. 20. [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. 21. [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. 22. [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. 23. [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. 24. [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. 25. [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. 26. [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. 27. [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. 28. [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. 29. [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. 30. [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. 31. [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. 32. [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. 33. [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. 34. [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. 35. [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. 36. [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. 37. [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. 38. [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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