The Hartford Insurance provides comprehensive small to mid-size business insurance including business owners policy (BOP), workers compensation insurance, professional liability (E&O), general liability insurance, cyber liability, commercial property, and specialty programs for contractors, restaurants, professional services, retail, and technology companies nationwide.
This central The Hartford hub stores all The Hartford insurance reviews 2026, cost guides, coverage comparisons, and provider analysis. Access The Hartford BOP insurance cost, The Hartford workers comp rates, The Hartford professional liability insurance, The Hartford cyber insurance pricing, The Hartford general liability, and home-based business coverage details.
The Hartford Insurance Coverage Portfolio
-
Next Insurance Workers Comp & The Hartford Small Business Insurance Complete Guide 2026
Next insurance workers comp delivers instant online coverage starting at $25/month for USA small businesses, while The Hartford small business insurance provides comprehensive BOP packagesRead more
The Hartford Business Owners Policy (BOP)
The Hartford BOP insurance is designed for businesses under $35M revenue, bundling general liability + property + business income with enhanced cyber liability and employment practices coverage options.
BOP Coverage Highlights:
- GL: $1M-$5M limits
- Property: Replacement cost standard
- Business income: 24 months extended
- Hired/non-owned auto included
- Employment practices liability optional
BOP Rates (2026):
| Annual Revenue | Business Type | Monthly Premium |
|---|---|---|
| $250K | Retail Store | $55-$125 |
| $500K | Professional Office | $75-$165 |
| $1M | Restaurant | $125-$275 |
| $5M | Light Manufacturing | $225-$475 |
The Hartford Workers Compensation Insurance
The Hartford workers comp insurance offers pay-as-you-go options, occupational health networks, and industry-specific loss control programs for contractors, restaurants, and service businesses.
Workers Comp Features:
- Medical bill management
- Return-to-work coordination
- Safety training programs
- Multi-state coverage
WC Cost Examples:
| Annual Payroll | Industry | Monthly Premium |
|---|---|---|
| $100K | Retail | $275-$650 |
| $250K | Contractors | $850-$2,100 |
| $500K | Restaurants | $1,650-$4,000 |
| $1M | Service Businesses | $3,000-$7,500 |
The Hartford Professional Liability (E&O) Insurance
The Hartford professional liability insurance covers consultants, accountants, architects, engineers, and tech services against negligence claims with prior acts coverage available.
E&O Coverage:
- Wrongful acts defense costs
- Errors & omissions protection
- Regulatory defense
- Worldwide territory
Professional Rates:
| Revenue | Profession | Monthly Premium |
|---|---|---|
| $100K | Consultant | $35-$85 |
| $250K | Accountant | $65-$155 |
| $500K | Architect | $125-$275 |
| $1M | Engineering Firm | $225-$475 |
The Hartford General Liability Insurance
The Hartford general liability insurance provides broad coverage for third-party claims with flexible limits and endorsements for contractors, event planners, and retail operations.
GL Coverage Scope:
- Premises/operations liability
- Products/completed operations
- Personal/advertising injury
- Contractual liability coverage
Industry GL Rates:
| Business Type | Revenue | Monthly Rate ($1M) |
|---|---|---|
| Cleaning Service | $100K | $25-$65 |
| Landscaping | $250K | $45-$105 |
| Event Planner | $500K | $65-$145 |
| Retail Store | $1M | $85-$185 |
The Hartford Cyber Liability Insurance
The Hartford cyber insurance offers first/third-party coverage for data breaches, ransomware, business email compromise, and regulatory compliance up to $10M limits.
Cyber Protection Includes:
- Incident response coordination
- Forensic investigation costs
- Customer notification/credit monitoring
- Regulatory fines coverage
- PR crisis management
Cyber Premium Ranges:
| Revenue | Coverage Limit | Annual Cost |
|---|---|---|
| $250K | $500K | $850-$1,800 |
| $1M | $1M | $1,500-$3,200 |
| $5M | $2M | $2,800-$6,000 |
| $10M+ | $5M+ | $5,500-$12,000 |
The Hartford Commercial Property Insurance
The Hartford commercial property insurance provides replacement cost coverage with business income extensions, ordinance/law coverage, and equipment breakdown protection.
Property Features:
- Blanket coverage options
- Business income: 24 months
- Ordinance/law: $500K
- Valuable papers coverage
The Hartford Insurance by Industry
Contractors & Home Services
- General contractor insurance cost optimization
- Home improvement contractor insurance coverage
- Cleaning business insurance and bonding cost
- HVAC contractor insurance comprehensive programs
Professional Services
- Professional indemnity insurance for accountants
- Architects professional liability insurance
- Business consultant insurance professional coverage
- Management liability insurance executives
Hospitality & Restaurants
- Best insurance for restaurants coverage options
- Restaurant insurance cost per month analysis
- Catering business insurance event liability
- Hotel insurance property/liability programs
Retail & Technology
- Retail business insurance comprehensive coverage
- Ecommerce insurance online operations
- Cyber security insurance for small business
- Tech startup professional liability coverage
The Hartford Complete Articles & Guides Hub
Central repository for The Hartford commercial insurance content:
Published The Hartford Guides:
• The Hartford Business Owners Policy (BOP) 2026 Complete Coverage Guide
• The Hartford Workers Compensation Insurance: Contractors & Restaurants
• The Hartford Professional Liability vs Hiscox E&O Comparison 2026
• The Hartford Cyber Insurance: Small Business Data Protection
Coming Soon:
• The Hartford General Contractor Insurance Packages 2026
• The Hartford Restaurant Insurance: Property + Liquor Liability
• The Hartford Home-Based Business Insurance Complete Guide
• The Hartford Retail Store BOP vs State Farm Comparison
The Hartford Premium Comparison Chart
Annual Costs for Service Businesses (2026):
| Coverage | The Hartford | State Farm | Hiscox | Next Insurance |
|---|---|---|---|---|
| Workers Comp ($250K) | $3,800 | $4,000 | N/A | $3,500 |
| BOP ($500K revenue) | $2,100 | $2,100 | $1,800 | N/A |
| Professional Liability | $1,650 | N/A | $1,350 | $1,200 |
| Cyber ($1M) | $2,500 | $3,200 | $2,200 | N/A |
| GL Stand-alone | $1,650 | $1,800 | $1,500 | $1,350 |
The Hartford Financial Strength & Market Position
Strengths:
• AM Best: A+ (Superior)
• 200+ years business insurance experience
• Home-based business specialist
• Strong cyber liability programs
• Excellent claims satisfaction ratings
Market Leadership:
• Top 15 commercial lines writer
• BOP market specialist
• Professional services focus
• 1,200+ agency partners nationwide
Frequently Asked Questions
What is The Hartford BOP insurance cost?
$55-$475 monthly for retail, office, restaurant, and light manufacturing businesses under $5M revenue with comprehensive GL + property coverage.
Does The Hartford offer workers compensation insurance?
Yes, pay-as-you-go workers comp for contractors, restaurants, and service businesses with industry-specific loss control and claims management.
Can The Hartford insure home-based businesses?
Yes, specialized BOP and professional liability programs for home-based consultants, freelancers, and small office operations.
What professional liability coverage does The Hartford provide?
Errors & omissions insurance for accountants, architects, consultants, and tech services with worldwide coverage and prior acts options.
How much is The Hartford cyber insurance?
$850-$12,000 annually depending on revenue and coverage limits, including incident response, regulatory fines, and PR crisis management.
Does The Hartford cover cleaning businesses?
Yes, general liability, workers comp, and bonding coverage for janitorial and cleaning service businesses with flexible limits.
What makes The Hartford good for contractors?
Comprehensive contractor packages including BOP, workers comp, professional liability, and cyber coverage with strong industry expertise.
Can restaurants get The Hartford insurance?
Yes, property, general liability, liquor liability, and workers comp for both limited-service and full-service restaurants.
How do I get The Hartford business insurance quotes?
Through independent agents, online quoting platform, or phone with coverage options tailored to specific industry needs.
Obtaining The Hartford Coverage
Quote Process:
- Agent Network – Connect with 1,200+ independent agencies
- Online Platform – Instant BOP/professional quotes available
- Risk Profile – Submit revenue, payroll, operations details
- Custom Package – Bundle BOP + cyber + workers comp
- Agent Support – Local servicing and claims assistance
Best For: Home-based businesses, professional services, contractors, and restaurants.
The Hartford Insurance Complete Hub – Updated January 2026. Centralized BOP, workers comp, professional liability, cyber coverage resource for USA small businesses. Premiums based on published market rates.