INSURANCE CARRIER
The Hartford Insurance Review
The Hartford was founded in 1810 and has written property and casualty insurance continuously since then, making it one of the longest-operating insurers in the United States.
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 was founded in 1810 and has written property and casualty insurance continuously since then, making it one of the longest-operating insurers in the United States. On the personal side, they write homeowners and auto through the AARP program as well as through independent agents, with endorsement options that include green rebuild coverage and not commonly found on standard policies. Their commercial lines are built around small and mid-size businesses, the core product is a business owner's policy that bundles property and general liability, with the ability to add workers compensation, professional liability, and commercial auto under one carrier relationship. Claims on commercial accounts are handled by dedicated small business claims teams rather than routed through a general queue.
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 commercial coverage, and homeowners wanting specialized endorsements such as green rebuild.
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
- Carrier's Licensed States
- 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.
Pricing Context
The Hartford prices commercial lines competitively for small business package coverage and workers compensation, with claims handled through dedicated adjusters.
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 carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable 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. Verify this carrier's license with your state insurance department
Admitted Status: Admitted carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable 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
How are claims handled with The Hartford, and how does Olive Cover help?
The Hartford runs dedicated claims teams, and most states, including Georgia, have a legal or common-law duty requiring insurers to handle claims promptly and in good faith.