---
title: "Simply Business vs The Hartford: Commercial Property Insurance"
description: "The Hartford reports average commercial-property premium around $1,605 per year and says deductibles can range from hundreds to thousands of dollars."
canonical: "https://spot.insure/compare/simply-business-vs-the-hartford/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "simply-business-vs-the-hartford"
provider-a: "simply-business"
provider-b: "the-hartford"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/simply-business-vs-the-hartford/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of Simply Business and The Hartford for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Property Insurance questions about Simply Business versus The Hartford. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Simply Business vs The Hartford for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, Simply Business or The Hartford?
- What does Simply Business or The Hartford publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Property Insurance from Simply Business or The Hartford?

**Key facts:**
- Line: Commercial Property Insurance. Providers: Simply Business and The Hartford.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Simply Business vs The Hartford](https://spot.insure/compare/simply-business-vs-the-hartford) — parent: all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line
- [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [Simply Business vs The Hartford Business Owner’s Policy](https://spot.insure/compare/simply-business-vs-the-hartford/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Simply Business vs The Hartford Cyber Insurance](https://spot.insure/compare/simply-business-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line)
- [Simply Business vs The Hartford General Liability Insurance](https://spot.insure/compare/simply-business-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [Simply Business vs The Hartford Inland Marine Insurance](https://spot.insure/compare/simply-business-vs-the-hartford/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Simply Business vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/simply-business-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Simply Business vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/simply-business-vs-the-hartford/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aig-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aig-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Simply Business Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aon-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aon-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)

# Simply Business vs The Hartford: How Do They Compare for Commercial Property Insurance?

The Hartford reports average commercial-property premium around $1,605 per year and says deductibles can range from hundreds to thousands of dollars.

## How to Use the Simply Business vs The Hartford Commercial Property Insurance Comparison

Use this comparison to evaluate Simply Business and The Hartford for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Simply Business vs The Hartford Commercial Property Insurance Summary

The Hartford reports average commercial-property premium around $1,605 per year and says deductibles can range from hundreds to thousands of dollars. The Hartford describes protection for buildings and business contents plus income during repairs, but excludes nearby natural-water flooding. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [4](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") [8](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

## Simply Business: Online Small-Business Insurance Marketplace

Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [1](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## What Is The Hartford?

The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Commercial Property Insurance?

Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [11](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## What Are the Key Differences Between Simply Business and The Hartford Commercial Property Insurance?

### Coverage and Fit

The Hartford reports average commercial-property premium around $1,605 per year and says deductibles can range from hundreds to thousands of dollars. Simply Business provides no comparable average here and sells property within a BOP. Use Hartford’s figure only as context; compare actual offers at matching limits, values, and deductibles. [8](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance")

### Buying and Terms

The Hartford describes protection for buildings and business contents plus income during repairs, but excludes nearby natural-water flooding. Simply Business leaves covered property and interruption terms to the selected BOP form. Ask both for flood terms and business-income triggers in writing. [8](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance")

## What Should You Confirm in Simply Business and The Hartford Commercial Property Insurance Quotes?

- Ask Simply Business which insurer’s policy will be quoted, and obtain the schedule, valuation method, deductible, exclusions, and binding requirements. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance")
- Ask The Hartford to identify the issuing insurer and show the exact limits, covered causes, and any endorsements or exclusions on the proposed policy. [8](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

## Simply Business vs The Hartford Commercial Property Insurance Compared

| Criteria | Commercial-property coverage presented with a BOP | The Hartford Commercial Property Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | The Hartford's commercial property insurance protects an owned or rented building plus the tools and equipment used to operate the business, and can be bought stand-alone or as part of a BOP. [8](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23..) |
| Who It’s For | The company says commercial-property coverage may be valuable to businesses that own or rent their place of business. This is a buyer example, not an insurer eligibility rule. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") (Evidence: Company-reported; scope: Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | The Hartford says any business that owns, rents or leases a building needs commercial property coverage, and names beauty salons, consultants, photographers, retail stores, restaurants and technology firms as common buyers; coverage also extends to leased or rented property, not just owned buildings. [8](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23..) |
| Coverage Features | Simply Business says it offers commercial-property coverage as part of its BOP package rather than as a standalone policy. The page says the coverage can protect the business location, assets and inventory against fire or certain weather events; the issued form controls. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [4](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | The Hartford says the policy covers losses from fire, burglary, theft, wind and lightning to a business's building, equipment, tools, inventory, furniture and personal property, and includes business interruption coverage for lost income during repairs. It explicitly excludes a customer dropping their own laptop, an employee's accidental interior damage to a client's property, vehicle accidents, and nearby flooding from a natural water source. [8](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| Limits and Retentions | Confirm in your quote. | The Hartford's customers pay about $1,605 a year on average for commercial property insurance, and deductible amounts can range from a couple hundred to a few thousand dollars, chosen by the buyer; a higher deductible generally lowers the premium. [8](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Company-reported average and deductible range as of 2026-09-23; not a specific quote..) |
| How to Apply | The page directs buyers to start a BOP quote to see possible pricing. This is a bundled quote route; it does not establish standalone commercial-property placement or a guaranteed quote. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") (Evidence: Company-reported; scope: Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | Confirm in your quote. |
| Claims Support | Confirm in your quote. | The Hartford lets buyers file a commercial property claim online or by calling 800-327-3638. [8](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23. Describes intake, not claim outcomes..) |

## Related Pages for Simply Business vs The Hartford Commercial Property

- [Simply Business vs The Hartford](https://spot.insure/compare/simply-business-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [Simply Business vs The Hartford Business Owner’s Policy](https://spot.insure/compare/simply-business-vs-the-hartford/business-owners-policy)
- [Simply Business vs The Hartford Cyber Insurance](https://spot.insure/compare/simply-business-vs-the-hartford/cyber)
- [Simply Business vs The Hartford General Liability Insurance](https://spot.insure/compare/simply-business-vs-the-hartford/general-liability)
- [Simply Business vs The Hartford Inland Marine Insurance](https://spot.insure/compare/simply-business-vs-the-hartford/inland-marine)
- [Simply Business vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/simply-business-vs-the-hartford/professional-errors-omissions)
- [Simply Business vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/simply-business-vs-the-hartford/workers-compensation)
- [AIG vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aig-vs-simply-business/commercial-property)
- [AIG vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aig-vs-the-hartford/commercial-property)
- [Alliance Risk vs Simply Business Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/commercial-property)
- [Alliance Risk vs The Hartford Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-property)
- [Aon vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aon-vs-simply-business/commercial-property)
- [Aon vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aon-vs-the-hartford/commercial-property)

## Sources for Simply Business vs The Hartford

### Sources About Simply Business

1. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29.
2. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). 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. [Commercial Property Insurance](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/). Simply Business; Page nested under BOP; lines 15–18, 34–49; lines 59–63 expressly say commercial-property coverage is offered as part of BOP rather than standalone and direct buyers to a BOP quote.. Accessed 2026-09-29.
4. [Business Owner’s Policy Insurance](https://www.simplybusiness.com/business-insurance/business-owners-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.

### Sources About The Hartford

5. [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.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). 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.
7. [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.
8. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; What Is Commercial Property Insurance?; Who Needs Commercial Property Insurance; How Much Is Commercial Property Insurance; What Doesn't Property Insurance for Commercial Buildings Cover?; What Is the Standard Deductible; Making a Commercial Property Insurance Claim. Accessed 2026-09-23.

### Sources for the Commercial Property Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
10. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
11. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Simply Business Review Scores for 2026

Review Score: 5.7 / 10 from 4 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com)
- ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html)
- BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)
- BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews).

## The Hartford Review Scores for 2026

Review Score: 4.9 / 10 from 5 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/reviews).

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