The Hartford Insurance Review

The Hartford Business Insurance Ratings at a Glance

Having the right insurance can make the difference between a good life and one that ends in financial tragedy. Whether you own a business, drive a car, or own a home, you need an insurance policy to cover any losses you may incur. But finding the right insurance company can be difficult. Benzinga takes a look at The Hartford Insurance and offers its review below.

The Hartford is home to a wide range of insurance products for your personal and business needs. Here are its insurance product offerings:

Best For

• Comprehensive coverage/Business Owners' Policy

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Business Insurance

For over 50 years, The Hartford has insured over 1 million small businesses and their employees. More than 16,000 of its business insurance customers have given the company a 4.8-star claims rating. There are different types of insurance policies to protect the business you’ve worked hard to build, including coverage for employee-related risks, property damage and legal liability.

The Hartford can insure almost any type of venture and industry. It’s known for its business owner’s policy (BOP) that conveniently combines general liability, commercial property and business income insurance into 1 bundle. The BOP also lets you add additional coverages like franchise upgrades and data breach among others. 

Other business insurance policy options from The Hartford include:

• Workers’ compensation insurance to provide employee benefits to workers who suffer from a work-related illness or injury. It will also provide benefits to the deceased employee’s family if they die in the line of duty. Businesses with employees must carry workers’ compensation insurance in most states, otherwise there’s a risk of a criminal penalty or fine.
• Professional liability insurance helps protect your company from acts of negligence as well as errors and omissions made while providing its professional services.
• Data breach insurance helps pay for the costs and damages associated with loss of confidential information or a business-related data breach. Coverage may include costs to recover the data or notify customers of the breach.
• Commercial umbrella insurance extends your business’s liability coverage beyond your policy limits.
• Commercial auto insurance protects your business from the costs of a work-related car accident. Commercial auto will cover the costs resulting from an accident if you or an employee was driving for business reasons.
• Commercial flood insurance protects your small business from the costs of covered flood damage. This will include damage to your business’s physical location and its assets.
• Employment practices liability protects your business if an employee sues you for harassment, discrimination or wrongful termination.
• Multinational insurance streamlines coverage if your business has its operations outside the U.S.

Losses from some types of natural disasters and other major events may not be covered by the conventional commercial property policies. Fraudulent and intentional acts are also not covered by a standard professional liability policy. Standard commercial insurance policies won’t cover everything, but you can add policy riders to insurance against the additional risks.

Best For

• AARP members at least 50 years old

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Car Insurance

Since 1984, The AARP® Auto Insurance Program by The Hartford has offered auto insurance exclusively for AARP members. This program lets you enjoy AARP auto insurance rates and discounts exclusive to AARP members. You must be a driver over 50 years old and be a member of AARP to qualify for this program.

The AARP auto insurance program is available in most states and lets you enjoy benefits and discounts like:

• RecoverCare: This benefit gives you up to $2,500 to pay for cleaning, cooking, transportation and any other help you’d need if you’re injured in an auto accident.
• 24/7 Car Insurance Claims Hotline: you can file a claim any time by calling their hotline at 877-805-9918.
• New Car Replacement Coverage: The Hartford will pay to replace your car with a new one of the same model and make if you total your car within the 1st 15,000 miles or 15 months after you buy it. There will be no deduction for depreciation.
• Lifetime Car Repair Assurance: If you use a repair shop in their network, any work done on your car is backed by a lifetime guarantee.

The Hartford car insurance policy options include:

• Comprehensive coverage
• Bodily injury liability
• Property damage liability
• Collision coverage
•  No-fault insurance
• Medical payments coverage
• Uninsured-underinsured motorist bodily injury
• Uninsured motorist property damage

The Hartford also offers classic car insurance if you own a vintage car. Coverage for other vehicle types includes RV insurance, boat insurance, ATV insurance, golf cart insurance, and snowmobile insurance. 

Home Insurance

The Hartford can also insure your home through its AARP® Homeowners Insurance Program. Home insurance coverages are available for your house and personal property. This home insurance can also cover the costs of replacing any personal property that’s damaged in a loss and help with temporary living expenses if the home is uninhabitable. 

Best For

• Excellent claims process

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Your homeowner’s insurance policy options include:

• Dwelling coverage to protect your house and any structures attached to it. Internal systems like plumbing, heating and wiring are also covered.
• Personal property coverage covers all your personal belongings, including clothing, furniture and appliances.
• Loss of use coverage pays for the living expenses if your home is uninhabitable after a loss.
• Personal liability coverage protects you if anyone who isn’t a resident of your home is injured on your property.

The Hartford offers its My Account customer service for business insurance, auto insurance and home insurance policyholders. Business insurance policyholders can access documents, pay bills 24/7 via electronic funds transfer and request a certificate of insurance. The customer service center also provides information that can help you prepare for a premium audit.

Auto insurance policyholders can also update policies by editing coverages, adding vehicles, seeing available discounts and more. The customer service center also facilitates claims tracking, including reporting claims, locating your claims handler and tracking the progress online.

You can reach The Hartford’s customer service team online Monday through Friday. Service representatives are also available for calls.

The Hartford boasts a 4.8 out of 5-star claims experience from more than 74,000 reviews. The company provides easy reporting options by phone or online, claim status tracking from any device and experienced claim handlers who will help you throughout the claims process.

The Hartford’s pricing is customized and is provided on a quote-only basis. The pricing is usually affected by factors like location, your claims history, policy limits, endorsements, deductible amount and more. 

While you won’t fully learn about the company’s pricing without a quote, The Hartford promises great value for your money with numerous perks. Business insurance policyholders can purchase a business owner’s policy that combines general liability, commercial property and business income insurance into 1 convenient package.

You can also take advantage of various insurance benefits, offers and discounts offered by the carrier. You can directly contact the Hartford through 888-899-0875 or fill out its online form to get a free quote. The process should take less than 10 minutes.

The Hartford has gone mobile with a mobile app available on App Store and Google Play. Some of the features you will enjoy include:

• Fingerprint login. The Hartford mobile app lets you access your account instantly and securely with a fingerprint login.
• Roadside assistance. Click on the mobile app to get roadside assistance if you have a flat tire or need a tow. You can also locate repair shops nearby and find a replacement vehicle.
• Real-time claims. You can use the mobile app to document an accident on the spot so that you can start the claims process immediately.

The Hartford is a major small business insurance provider, but it also offers other insurance options for personal needs. It also boasts long business tenure, solid financial strength and an impressive claims service experience rating. Its product offerings are diverse, with the option to combine multiple coverages or customize your plan to match your needs.

While the pricing information isn’t readily available, the company promises great value for your money with its insurance product offerings. While the customer experience varies among customers, customer service is readily available by phone or online. You can also access important insurance information on the go through the provider's mobile app.