Ranked 142nd on the Fortune 500 list of the largest U.S. corporations by total annual revenue, The Hartford is an insurance and investment company headquartered in Hartford, Connecticut. The 13th biggest property and casualty insurer in the United States, they sell products through an extensive network of agents and brokers mainly to AARP members.
So is The Hartford better than other prominent insurers – Allstate, USAA, Progressive, and State Farm? Let’s find out.
Founded in 1810 by a group of local merchants as a fire insurance company, The Hartford is one of the oldest and most reputable insurance providers in the United States.
The major insurance verticals are:
The Hartford also offers life and health insurance for employees, as well as a few other types of insurance such as pet insurance.
| Insurance Type | Coverage |
| Bodily Injury Liability | If you hurt someone in an accident |
| Property Damage Liability | If you damaged someone else’s property – other cars, mailboxes, fences, etc. – in an accident |
| Collision Coverage | If you damaged your car in an accident with another vehicle or object |
| Comprehensive Coverage | If your car sustained damage from a natural disaster, vandalism, collision with an animal, or was stolen |
| Uninsured/Underinsured Motorist Coverage | If you were hit by a driver who doesn’t have enough auto insurance to cover your injuries and damages |
| Medical Payments Coverage | Your medical expenses and rehabilitation: doctor’s visits, rehabilitation, medical treatment, medical procedures, surgeries, medical deductibles & co-pays, hospitalization, nursing services, prosthetic limbs, ambulance fees, dental care, and funeral costs |
| Personal Injury Protection | Your and other peoples’ injuries – medical expenses, work loss, funeral expenses, survivor’s loss, and essential services – from a car accident regardless of who was at fault |
Additional Auto Insurance Coverage from The Hartford
| Insurance Type | Coverage |
| Full Glass Coverage | Mirrors, windows, and headlights, all with no deductible |
| Car Towing Coverage | Towing and labor expenses if, for example, your car’s battery dies |
| Personal Umbrella Insurance | The loss that exceeds your auto or homeowners liability coverage limits |
| Gap Insurance | The difference between your car’s cash value and the amount you owe on your car loan if your car was totaled or stolen |
| Rental Car Reimbursement Coverage, also known as Transportation Expense Coverage | Rental car expenses while your car is being repaired after an accident |
| Rental Car Insurance: Collision Damage Waiver or Loss Damage Waiver | The damage to your rented car, or if someone broke into your rented car |
The cost of your car insurance will depend on the type of car, the type and amount of coverage, the deductible amount, your driving record, the average number of miles you drive per year, your state, and discounts.
Use this calculator to find out the exact amount of your car insurance premium. Get your car insurance quote from The Hartford here.
| Discount Type | How to Qualify |
| AARP Auto Insurance Program: up 10% | Be a member of AARP, have a valid driver’s license from your state, and vehicle registration for your car |
| Bundle Insurance Savings: up to 5% on your auto insurance and up to 20% on your home insurance | Bundle your car and home, renters and auto, or condo and auto policies within the AARP Auto and Home Insurance Program |
| Paid-in-Full: varies | Pay your bill in full in advance |
| Safe Driving Discount: up to 12% and a renewal discount of up to 25% | Drive safely for a determined period of time |
| Safety Features Discount: varies | Install anti-lock brakes, additional airbags, and other safety features on your car |
| Fuel Type Discount: varies | Have an electric or hybrid car |
| Safe Driver Training Discount: varies | Be 21 years of age or younger (25 or younger in Georgia) and finish an approved training course |
| Three-Year Defensive Driver Course: varies | Complete an approved defensive driving course |
The Hartford Home Insurance 2022
| Insurance Type | Coverage |
| Homeowners |
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| Renters | Protection of your personal belongings from fire, smoke, vandalism, theft, and burglary on a rented property:
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| Condo |
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| Flood | Damage caused by flooding as a result of snowmelts, rainfalls, broken drainage systems, construction run-offs, etc. |
| Umbrella | Additional liability coverage and extended auto and homeowners insurance limits:
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The price of your homeowners insurance will depend on multiple factors, such as your home’s replacement cost, age, state, history of claims, whether you are a dog owner, and more. For example, in 2018, the average annual cost of homeowners insurance in Alabama was $1,409; in Idaho, the average cost was $772.
| Discount Type | How to Qualify |
| Bundle Home and Auto Insurance: up to 5% on your auto insurance and up to 20% on your home, renters, or condo insurance | Bundle your car and home, renters and auto, or condo and auto policies within the AARP Auto and Home Insurance Program |
| Home Security and Safety Device Savings: varies | Install a burglar alarm and a sprinkler system on your home |
| Retiree Credit for Retired AARP Homeowners: varies | Retire or work less than 24 hours a week |
| Renewal Credit: varies | Renew your homeowners policy with The Hartford for 4 consecutive years |
| Insurance Type | Coverage |
| Business Owner’s Policy | Business property plus business liability insurance: damage to your business from theft, fire, as well as claims of property damage and bodily injury |
| General Liability | Claims of property damage, bodily injury, reputational harm, and advertising injuries, as well as physical damage to your rented premises |
| Workers’ Compensation | Benefits for your employees if they become ill or injured on the job: medical care, medical treatment, disability benefits, death benefits, and replacement of lost wages |
| Business Income | Replaces lost income if your business cannot operate due to property damage. The policy covers employees’ payroll, rent payments, mortgage, loss of income during the restoration period, tax payments, and loan payments. |
| Commercial Auto | Medical expenses and property damage resulted from an accident involving a company-owned car:
Learn more on this webpage |
| Commercial Flood | Damage to your business property and contents, caused by floodwater:
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| Commercial Property | Damage to your owned or rented property caused by fire, lightning, and theft, as well as interruption coverage, which protects your income if your business cannot operate due to property damage |
| Commercial Umbrella | Extra liability coverage: legal costs, property damage, medical bills (bodily injuries), and judgments and settlements |
| Cyber Insurance | Damage caused by viruses, data breaches, losses of PHI or PII, etc. |
| Employment Practices Liability | Harassment, discrimination, and wrongful termination by vendors, customers, and business invitees |
| Home-Based Business Insurance |
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| Management Liability | Protection of officers and directors from lawsuits:
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| Marine | Ocean Marine, Builder Risk, Warehouse & Logistics, Equipment Rental & Sales, Renewable Energy, Carrier Logistic Choice, Contractors Equipment, Installation, and Inland Marine Insurance. More on this webpage. |
| Multinational | Localized coverage: General Liability, Professional Liability, Commercial Auto, Business Interruption and Income, Cybersecurity and Data Breaches, Workers’ Compensation, Business Travel, Kidnap and Ransom/Extortion, Commercial Umbrella, Business Travel Accident, and Environmental Insurance. More on this webpage. |
| Professional Liability | Mistakes in your professional services to clients: inaccurate service, misrepresentation, negligence, slander, libel, etc. |
The Hartford Business Insurance Rates 2022
Here are the average monthly/annual premiums for the most popular business insurance coverages with The Hartford from 2021:
The Hartford offers group life insurance comprising the following features:
Learn more on this webpage.
| Insurance Type | Coverage |
| Fee for Service: the most extensive network of doctors and hospitals |
|
| Managed Care |
Learn more on this webpage. |
| High-Deductible Health Plans | Full coverage for preventative care: counseling, child well-being exams, wellness visits, vaccines, and annual physicals |
The Hartford offers Pet Groomers, Pet Trainers, and Veterinarians insurance. Follow the links for more details.
| J.D. Power | 3 out of 5 |
| BBB | A+ |
| Standard & Poor’s | A+ |
| Moody’s | A+ |
The Hartford has good to perfect customer service ratings.
With over 350 vacancies at the time of writing, The Hartford is always on the lookout for new talents:
The Hartford runs several development and leadership programs for students and workers of all levels of experience.
| Pros | Cons |
| Lots of options for business insurance | Primarily caters to AARP members of 50 years of age and older |
| Perks for AARP members | No bonuses for some types of insurance |
| High satisfaction rating for auto insurance | Average overall satisfaction rating |
To become an insurance agent with The Hartford,
To file a claim with The Hartford,
The full list of contacts is on this webpage.
