INSURANCE CARRIER
The Hartford Insurance Review
The Hartford is one of the oldest carriers in America with deep expertise in small business coverage. A factual profile of their coverage, appetite, and fit.
Personal Lines
- File a claim 1-800-243-5860 · 24/7 online and phone
- Online Account & claims portal
- After hoursReport claims online or call 1-800-243-5860 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
The Hartford is one of the oldest insurers in the country, founded in 1810. They write personal lines through the AARP program and standard homeowners and auto through independent agents. Their commercial lines include business package coverage, workers compensation, and professional liability for small businesses across Georgia.
Strengths
What This Carrier Does Well
Long-established small business specialist with dedicated claims teams.
Small business coverage with tailored options for professional service firms.
AARP-endorsed home and auto products offer competitive pricing for customers 50 and over.
Limitations to Know
Where They Fall Short
Personal auto pricing is typically not competitive against carriers who specialize in personal lines.
Less flexible underwriting for non-standard personal lines risks.
Personal auto pricing is not competitive for most profiles outside the AARP member segment; for homeowners under age 50 comparing on premium, Hartford personal auto is rarely the lowest-priced option.
Right Fit
Who They Are Best For
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
- Line of Business
- Personal Lines
- Coverage Types
- Homeowners, Auto, Umbrella, Small Business Package, General Liability, Workers Compensation, Professional Liability, Commercial Auto
- States Available
- All 50 states
- Personal Lines States
- All 50 states
Pricing & Claims
What to Expect
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.
Pricing Context
The Hartford prices commercial lines competitively for small business package coverage and workers comp. For small business owners who need reliable business package coverage and workers comp with strong claims handling, The Hartford's pricing is competitive.
Claims Experience
For commercial lines, The Hartford's small business claims experience is well developed, particularly on business package coverage and workers compensation.
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.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
Is Hartford only for AARP members?
Both. AARP members (age 50+) can buy Hartford home and auto directly through AARP's program with member discounts.
What makes The Hartford a good choice for Georgia personal insurance?
The Hartford is one of the oldest carriers in the United States, founded in 1810.
Who is Hartford best for in Georgia?
Hartford's sweet spot in Georgia is small business commercial, AARP-eligible home and auto for clients age 50+, and fleet commercial auto.
How are claims handled with The Hartford, and how does Olive Cover help?
The Hartford runs dedicated claims teams, and Georgia law requires every insurer to handle claims promptly and in good faith.