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INSURANCE CARRIER

The Hartford Insurance Review

The Hartford is one of the oldest carriers in America with deep expertise in small business coverage. An honest review of their ratings, strengths, and best fit.

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A+ Superior

JD Power Personal

Above industry average for auto claims and top three nationally for property claims in 2025.

JD Power Commercial

NAIC Complaint Index

Tracks significantly below the industry average, one of the lowest among large carriers.

The Hartford is one of the oldest insurers in the country, founded in 1810 and rated A+ Superior by AM Best. They write personal lines through the AARP program and standard homeowners and auto through independent agents. Their commercial lines include BOP, workers compensation, and professional liability for small businesses across Georgia.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

NAIC complaint index significantly below national average, indicating excellent claims and service quality.

Strength 2

Industry-leading small business and BOP coverage with tailored options for professional service firms.

Strength 3

AARP-endorsed home and auto products offer competitive pricing for customers 50 and over.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Personal auto pricing is typically not competitive against carriers who specialize in personal lines.

Weakness 2

Less flexible underwriting for non-standard personal lines risks.

Weakness 3

Personal auto pricing is not competitive for most profiles outside the AARP member segment; Hartford personal auto is rarely the right choice for homeowners under age 50 comparing on premium.

Best Fit For

Small to mid-size business owners needing strong commercial coverage, homeowners wanting specialized endorsements like green rebuild or identity recovery.

Not A Good Fit For

Homeowners under 50 who do not benefit from the AARP pricing structure, or anyone with recent claims. Hartford personal lines pricing is optimized around their AARP partnership.

APPETITE & COVERAGE

What They Write

Coverage Types

Homeowners, Auto, Umbrella, Small Business BOP, General Liability, Workers Compensation, Professional Liability, Commercial Auto

Best Pricing For

The Hartford is most competitive for AARP members age 50 and over on bundled home and auto through the AARP program. Outside the AARP member segment, pricing is typically not their strongest suit against Travelers or Nationwide.

Admitted Status

Admitted in Georgia. Licensed and regulated by the Georgia Department of Insurance. Policies are backed by state guaranty fund protections up to applicable limits.

CLAIMS & PRICING

What to Expect

Claims Experience

The Hartford has one of the lowest NAIC complaint indexes among all carriers we work with, at 0.43 against a national average of 1.0. For commercial lines, their small business claims experience is strong, particularly on BOP and workers compensation. Personal lines auto claims are handled adequately but that line is not their primary focus. For clients who choose The Hartford for AARP-eligible home and auto, claims experiences are generally positive.

Pricing Context

The Hartford is priced appropriately for the quality they deliver on commercial lines. They are not the carrier for clients shopping on premium alone, particularly on personal auto. For small business owners who need reliable BOP and workers comp coverage with strong claims handling, The Hartford's pricing is competitive. AARP endorsement gives eligible clients access to discounts that can improve the personal lines value.

vs Competitors

Against Travelers Commercial: very close competitors on commercial lines, Hartford edges ahead on BOP breadth and workers comp claims service, Travelers leads on commercial property for larger accounts. Against Nationwide Commercial: Hartford wins on professional services and most non-agricultural commercial classes, Nationwide wins on farm and agricultural accounts. On personal lines: Hartford is not primarily competing with Travelers, Nationwide, or Progressive on auto pricing. The Hartford competes on quality and breadth of coverage rather than premium.

File a Claim

Call to report a claim:

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STATE AVAILABILITY

Where They Write

States Available

All 50 states

Personal Lines States

All 50 states

Commercial Lines States

Do We Work With Them?

Yes, available in Georgia

The Hartford is a strong personal lines option for AARP-eligible clients and homeowners with unique coverage needs. Personal auto pricing is not competitive against specialists.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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