The Hartford Insurance Review 2026

Each fact below comes from the linked official page. "Checked" is the date we reviewed the source.

The Hartford cannot sell workers' compensation in North Dakota, Ohio, Washington or Wyoming. In those states, workers' comp comes from a state fund rather than private insurers. North Dakota's Workforce Safety & Insurance describes itself as one of four exclusive state funds, with Ohio, Washington and Wyoming, and says employers buy from the state fund rather than from private insurance companies. The Hartford's own explainer says buying workers' compensation from private insurers is not allowed in these states. North Dakota WSI overview, The Hartford on monopolistic states.

If you have employees in one of those states, contact that state's fund about coverage. The Hartford's explainer says workers' compensation in monopolistic states "doesn't include employer's liability insurance," which it says you'll likely need to add to your general liability policy as "stop gap coverage." Ask the state fund what its own policy includes before you buy stop gap coverage. The Hartford on stop gap coverage. For background on the coverage itself, see our workers' compensation guide.

Start with what your contracts, landlord and state require. Then compare how each proposal meets those obligations. A contractor comparing general liability can bring the client's insurance requirements and ask which endorsements are included. An owner who wants property and liability together can compare how each business owner's policy defines covered property and business income.

Our guide to reading business insurance policies shows where to find declarations, exclusions and endorsements.

Your price comes from a quote for your business. The Hartford's small business page publishes average premiums paid by its own customers. Its footnote says costs are estimates, not guaranteed, and that actual premium is determined at quote or issue. The Hartford pricing disclosures.

Once you have proposals, use our quote comparison worksheet to line up premium, limits, deductibles, term dates and open questions. Compare quotes only after confirming they describe the same operations and coverage.

The Hartford's legal notice lists more than a dozen property and casualty writing companies, each with its own NAIC number and licensed jurisdictions. Ask for the issuing company's name before you buy. The NAIC's consumer page lets you search insurance companies and subsidiaries and verify the names in your policy. Legal notice, NAIC Consumer Insurance Search.

If a contract requires a minimum AM Best rating, confirm that the issuing company is among the rated companies in AM Best's announcement. AM Best rating action.

Hartford Fire also appears behind another brand: Hiscox's workers' compensation page says that product is underwritten by Hartford Fire Insurance Company. Our Hiscox profile explains that arrangement. Hiscox workers' compensation page, archived July 26, 2026.