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Simply Business vs The Hartford

Consider Simply Business if your business fits small businesses, and The Hartford if it fits small businesses and technology or cyber businesses. Their catalogues overlap on business owners’ policy, commercial property, cyber; compare each quote route, identified insurer and policy form before choosing. 1,15

Introduction

This comparison pairs small businesses through Simply Business with small businesses and technology or cyber businesses through The Hartford. Their coverage catalogues share business owners’ policy, commercial property, cyber. If one of those lines fits your business, compare the proposed forms and quote routes side by side; listed lines do not establish equal policy terms or eligibility. 1 15

Coverage Comparison

CoverageSimply BusinessThe Hartford
Business owner’s policyListed 10Listed 23,15The Hartford offers business owner’s policies combining property and liability coverage.
Commercial autoNot listedListed 31,15The Hartford offers commercial auto insurance as a business coverage; small businesses cannot currently buy it online and may be quoted through a local agency.
Commercial propertyListed 11,10Offered as part of a BOP, rather than as a standalone policy.Listed 25,15The Hartford offers commercial property insurance.
CrimeNot listedListed 33The Hartford offers crime insurance as a management-liability coverage option.
Cyber liabilityListed 13Add-on for select buyers purchasing another business policy; phone quote route.Listed 27,15The Hartford offers cyber insurance and data-breach coverage.
Directors and officersNot listedListed 33,34The Hartford offers directors and officers liability for private, public and nonprofit organizations.
Employment practices liabilityNot listedListed 30,15The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York.
Fiduciary liabilityNot listedListed 33The Hartford offers fiduciary liability as a management-liability coverage option.
General liabilityListed 7Listed 24,15The Hartford offers general liability insurance.
Hired and non-owned autoNot listedListed 32,31The Hartford offers hired and non-owned auto coverage.
Kidnap and ransomNot listedListed 33The Hartford lists kidnap and ransom/extortion among its management-liability coverage options.
Management liabilityNot listedListed 33The Hartford offers management-liability packages, including Private Choice Premier.
Professional errors and omissions (E&O)Listed 9Listed 29The Hartford offers professional liability insurance for service businesses.
Technology errors and omissions (E&O)Not listedListed 28,27The Hartford offers technology errors and omissions coverage through its FailSafe product.
Tools, equipment and inland marineListed 12Listed 37The Hartford offers inland marine insurance for midsize and large businesses.
Umbrella and excess liabilityNot listedListed 35,36The Hartford lists commercial umbrella insurance among its business coverage options.
Workers’ compensationListed 8Listed 26,15The Hartford offers workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

The Hartford

Carrier

Carrier & MGA

7.3/ 10

Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.

Provider assessment

Review Scores

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Simply Business

5.7/ 10

Review Score

4 rated sources

Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]

Read Simply Business reviews

The Hartford

4.9/ 10

Review Score

5 rated sources

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.[1][2][4][5][6][7]

Read The Hartford reviews

Key Differences Between Simply Business and The Hartford

Business Fit and Coverage

The catalogues share business owners’ policy, commercial property, cyber; other listed lines appear in the comparison table. For the overlap, match the policy forms, limits, exclusions and endorsements before treating the products as alternatives. A shared line name does not establish equal protection or eligibility.

Simply Business says it serves small businesses and solopreneurs and lists examples such as contractors, cleaning businesses, LLCs and sole proprietors. These examples describe its stated audience, not guaranteed insurer eligibility or availability. 1,6,2Company-reported. Company-described U.S. audience; eligibility varies by insurer, state and business details.

The Hartford markets small-business insurance to SaaS companies, software startups, cloud and IT consulting firms, and other small businesses, and separately sells midsize/large commercial and employer benefits products. 15,16,38,37Company-reported. Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.

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. 15,23,27,28,29,30,31,32,33,35,38,37Company-reported. 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.

Roles and Quote Access

Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. 1,2,14,3Company-reported. U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved.

Small businesses can buy insurance under The Hartford brand through its subsidiaries and independent agents; the brand itself is not the insurer named on the policy. The Hartford Insurance Group, Inc. is the financial holding company behind the brand. 18,39,35,21Company-reported. 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.

The company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. 3,2Company-reported. Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.

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. 16,15,22,21,31,33Company-reported. 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.

Use these routes to plan who will assemble the submission and whether you can complete the purchase online or need an agent or broker. Ask Simply Business and The Hartford to confirm the route for your state, coverage and business details; an online quote path alone does not show that a risk can be bound. 3 16

Policy Service and Claims

The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. 3,4,2Company-reported. Company-described post-purchase service paths; available tasks may depend on policy and insurer.

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. 16,26,27,29,40Company-reported. Company service descriptions as of 16 September 2026. Availability of a portal is not a measure of service quality.

The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. 2,4Company-reported. General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship.

The Hartford provides phone and online claim reporting, including 800-327-3636 for general liability and other commercial claims, a cyber FirstResponse hotline at 800-370-0605, online claim-status tools and a mobile app. Offering claims intake is not evidence of how any claim would be paid. 40,41,27,25Company-reported. Company claims-center and product pages as of 16 September 2026. No claim file or payment outcome was reviewed. A commercial-property page listed 800-327-3638; confirm the number on the policy.

Compare the practical handoffs for documents, policy changes, renewal questions and claim notices. A listed support route describes access to help, not a claim outcome or a guarantee of service speed.

What to Confirm in Quotes

Request quotes for the same business details, coverage lines, limits, deductibles or retentions and policy period. Ask Simply Business and The Hartford to name the producer and issuing insurer for each proposed policy, confirm who can bind it, and itemize any customer fees or intermediary compensation. For the overlapping business owners’ policy, commercial property, cyber, compare the actual insuring agreement, exclusions, sublimits and endorsements. Also confirm who handles account changes and receives claim notices. 1 18 2 39

Compare Services

What each provider documents about the services you may need

CriteriaSimply BusinessThe Hartford
Business role

Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. 1,2,14,3Company-reported. U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved.

Small businesses can buy insurance under The Hartford brand through its subsidiaries and independent agents; the brand itself is not the insurer named on the policy. The Hartford Insurance Group, Inc. is the financial holding company behind the brand. 18,39,35,21Company-reported. 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.

Application process

The company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. 3,2Company-reported. Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.

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. 16,15,22,21,31,33Company-reported. 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.

Servicing and renewals

Simply Business lists licensed-agent phone support Monday through Friday: sales 8 a.m.–8 p.m. Eastern Time and service 9 a.m.–6 p.m. These listed hours do not establish a response-time guarantee. 3Company-reported. Hours displayed on the current U.S. contact page; no actual wait-time observation is implied.

The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. 3,4,2Company-reported. Company-described post-purchase service paths; available tasks may depend on policy and insurer.

The Help Center FAQ says most customers opt into automatic renewal and gives 60-day notice and 30-day processing timing only for those who opt in. The same Help Center summary and June 30, 2026 Terms use broader automatic-renewal wording without the FAQ’s opt-in qualification. The public descriptions conflict; they do not establish which wording applies to every policy. 4,2Conflicting sources. Company-published descriptions reviewed 2026-09-29. FAQ detail, Help Center summary and Terms are inconsistent; no buyer-specific policy notice was reviewed.

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. 16,26,27,29,40Company-reported. Company service descriptions as of 16 September 2026. Availability of a portal is not a measure of service quality.

Claims assistance

The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. 2,4Company-reported. General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship.

The Hartford provides phone and online claim reporting, including 800-327-3636 for general liability and other commercial claims, a cyber FirstResponse hotline at 800-370-0605, online claim-status tools and a mobile app. Offering claims intake is not evidence of how any claim would be paid. 40,41,27,25Company-reported. Company claims-center and product pages as of 16 September 2026. No claim file or payment outcome was reviewed. A commercial-property page listed 800-327-3638; confirm the number on the policy.

Customer focus

Simply Business says it serves small businesses and solopreneurs and lists examples such as contractors, cleaning businesses, LLCs and sole proprietors. These examples describe its stated audience, not guaranteed insurer eligibility or availability. 1,6,2Company-reported. Company-described U.S. audience; eligibility varies by insurer, state and business details.

The Hartford markets small-business insurance to SaaS companies, software startups, cloud and IT consulting firms, and other small businesses, and separately sells midsize/large commercial and employer benefits products. 15,16,38,37Company-reported. Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.

Fees and compensation

The Terms say Simply Business receives commission or other compensation from or through panel members and that customers may also incur separate processing, administrative, service, installment or cancellation fees. They give no amount or placement-specific applicability; the Terms say charges are disclosed before purchase. 2Company-reported. General disclosure dated 2026-06-30; no specific commission, fee schedule, premium or customer charge was reviewed.

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. 39,21,16,15Company-reported. 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.

Sources

Simply Business Official Website

  1. Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
  2. Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
  3. Contact Us. Simply Business; Opening contact details lines 20–31; licensed-agent phone hours lines 46–59; U.S. licensing and state-specific name disclosures in footer lines 108–111, including California License #0M20593. Accessed 2026-09-29.
  4. Help Center. Simply Business; Claims, account servicing, agent-routed changes, renewal FAQ and Common Topics. Accessed 2026-09-29.
  5. How Simply Business Works. Simply Business; Common types lines 92–160; quote/purchase flow; estimate-method footnotes lines 198–200. Accessed 2026-09-29.
  6. Business Insurance for Small Businesses. Simply Business; Small Business Insurance Coverage Options and policy links. Accessed 2026-09-29.
  7. General Liability Insurance for a Small Business. Simply Business; Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page. Accessed 2026-09-29.
  8. Workers’ Compensation Insurance for Small Business. Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189. Accessed 2026-09-29.
  9. Professional Liability Insurance Coverage. Simply Business; Coverage lines 45–100; buyer examples lines 101–158; online quote steps lines 237–260. Accessed 2026-09-29.
  10. Business Owner’s Policy Insurance. Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. Accessed 2026-09-29.
  11. Commercial Property Insurance. Simply Business; Lines 15–18 present physical-location cover as part of a BOP; lines 34–49 describe the package; lines 59–63 say it is offered as part of the BOP rather than as a standalone policy and link to a BOP quote. Accessed 2026-09-29.
  12. Inland Marine Insurance. Simply Business; Equipment/inventory lines 15–18, 59–63; examples and quote workflow lines 97–140, 168–191. Accessed 2026-09-29.
  13. Cyber Insurance. Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395. Accessed 2026-09-29.
  14. Producer Compensation Disclosure (United States). Travelers; Ownership interest in a producer, lines 57–60: Travelers says it owns Simply Business, Inc.; relation to Simply Business, LLC not stated. Accessed 2026-09-29.

The Hartford Official Website

  1. SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
  2. Small Business Insurance | Get a Quote. 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.
  3. California Business Insurance. 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.
  4. Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
  5. The Hartford Announces First Quarter 2025 Financial Results. 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.
  6. About Us. The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16.
  7. Find a Local Insurance 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.
  8. Small Business Insurance Quote. 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). Accessed 2026-09-16.
  9. Business Owner’s Policy (BOP) Insurance. The Hartford; Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; products-not-available-in-all-states footnote; last updated May 20, 2026. Accessed 2026-09-16.
  10. General Liability Insurance. The Hartford; General liability introduction and Get a Quote; stand-alone GL and BOP bundling; products-completed operations; technology-company example; subsidiary-offering disclosure; last updated May 20, 2026. Accessed 2026-09-16.
  11. Commercial Property Insurance. The Hartford; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; property and business-interruption descriptions; technology firms among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16.
  12. Workers' Compensation Insurance Plans. The Hartford; Benefits of The Hartford’s WC Insurance for Employers and Employees; quote route; state-requirement quiz (some states require a state-run program); pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16.
  13. Cyber Insurance for Small Businesses. The Hartford; Cyber insurance and data breach descriptions; BOP-endorsed cyber, CyberChoice First Response and FailSafe; Technology Errors and Omissions Insurance Coverage: FailSafe; Get a quote for cyber insurance; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16.
  14. Technology Errors and Omissions Insurance | Technology E&O. The Hartford; Technology Errors and Omissions Insurance Coverage: FailSafe Technology Liability Product Suite (E&O, security, data privacy and network security, personal injury, intellectual property, media liability); software and SaaS buyer classes; last updated September 19, 2024. Accessed 2026-09-16.
  15. Professional Liability Insurance Coverage. The Hartford; Who Needs Professional Liability Insurance Coverage?; industry offering list; miscellaneous professional liability; Errors & Omissions Insurance for Technology Companies; claims-made versus occurrence; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16.
  16. Employment Practices Liability Insurance | EPL Insurance. The Hartford; EPLI introduction; Hartford-provided EPLI; BOP inclusion; Private Choice Premier and Employers Premier Choice; footnote 2: built-in EPL coverage is not available in California, Minnesota, North Dakota or New York, and the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16.
  17. Commercial Auto Insurance Coverage. The Hartford; Small-business availability banner: not currently offered online for small businesses, with quotes through a local agency or partner; hired and non-owned auto description; footer product-availability disclosure; last updated August 27, 2026. Accessed 2026-09-16.
  18. Hired and Non-Owned Vehicle Insurance | HNOA. The Hartford; Hired and non-owned auto offering; liability-only limitations; availability banner; commercial-auto referral disclosure; last updated August 27, 2026. Accessed 2026-09-16.
  19. Management Liability Insurance | Get a Quote. The Hartford; Opening Private Choice Premier package description (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion) and agent route; Who Does Management Liability Insurance Protect?; Fiduciary Liability Insurance; Crime Insurance; option to add certain coverages to a BOP; management-liability organization sections. Accessed 2026-09-16.
  20. Directors and Officers Liability Insurance. The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations through Private Choice Premier; management-liability organization sections. Accessed 2026-09-16.
  21. Commercial Insurance. The Hartford; Insurer self-description; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages; about-10-minute quote claim; products not available in all states; coverages offered by P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16.
  22. Business Insurance Coverage. The Hartford; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages (EPL, data breach and others); products-not-available-in-all-states footnote; last updated July 28, 2025. Accessed 2026-09-16.
  23. Inland Marine Insurance Solutions. The Hartford; Inland Marine Insurance Solutions introduction; midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses; Find an Agent or Broker. Accessed 2026-09-16.
  24. Employee Benefits Insurance. 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.
  25. Producer Compensation Property & Casualty. 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.
  26. Insurance Claim Center. The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16.
  27. General Liability Claims | File A Claim. 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.
  28. Hartford Fire Insurance Company. 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 . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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