The Hartford Insurance 2023: Review and Facts

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 sells products through an extensive network of agents and brokers, mainly to AARP members.

  • The American Association of Retired Persons (AARP) is the national organization that improves people’s quality of life as they age. Catering to people aged 50 and older, AARP enables cheaper insurance, including healthcare and auto.

So is The Hartford better than other prominent insurers like Allstate, USAA, Progressive, and State Farm? Let’s find out.

The Hartford History

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.

  • In 1835 and 1871, the insurance company stood by its customers after large fires in the New York City Financial District and Chicago.
  • In 1861, they protected Abraham Lincoln’s home in Illinois as the president moved to Washington, D.C. to serve his first term in office.
  • In 1913, the insurance provider formed their Accident and Indemnity Company to launch auto and home insurance services.
  • In 1984, they became AARP members’ exclusive home and auto insurance provider.
  • In 2001, the insurance company paid over $850 million in claims after the 9/11 terror attacks.

What Does The Hartford Offer for the U.S. Market?

The major insurance verticals are:

  • Auto Insurance: Car, Commercial Auto, Classic Car, RV, ATV, Boat, Gold Cart, and Snowmobile Insurance.
  • Home Insurance: Homeowners, Renters, Condo, Flood, and Umbrella Insurance.
  • Business Insurance: Business Owner’s Policy, General Liability, Workers’ Compensation, Business Income, Commercial Flood, Commercial Property, Commercial Umbrella, Cyber, Employment Practices Liability, Home-Based Business, Management Liability, Marine, Multinational, and Professional Liability Insurance.

The Hartford also offers life and health insurance for employees and a few other types of insurance, such as pet insurance.

The Hartford Car Insurance 2023

The most important thing to know about The Hartford’s car insurance – like many other policies from the provider – is that it’s provided exclusively to AARP members. As an AARP member, you can get a fairly cheap auto insurance policy, possibly at a discounted price.

While you can customize your car insurance policy with The Hartford, here are your main options:

  • Bodily injury liability.
  • Property damage liability
  • Collision insurance
  • Comprehensive insurance
  • Uninsured/underinsured motorist coverage

To understand the mentioned coverages better, scroll below to the “Commercial Auto Insurance” table. Meanwhile, it’s worth paying attention to a huge variety of additional auto insurance provided by The Hartford.

The Hartford Additional Auto Insurance 2023

Accident Forgiveness If all drivers on your car have a clean driving record for straight five years, you can qualify for accident forgiveness.
Disappearing Deductible Reduces your deductible by up to $500 if you have a clear driving record
24/7 Roadside Assistance Round-the-clock protection from roadside emergencies like a dead battery, flat tire, or losing keys
New Car Replacement Replaces a new totaled car with a car of the same make and model
RecoverCar Post-accident assistance like transportation services, house cleaning, snow removal, etc.
Lifetime Car Repair Assurance Guarantees the quality of repair in one of the 1,600+ repair shops from the approved repair network
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 Hartford Commercial Auto Insurance 2023

Unlike regular auto insurance, commercial auto insurance helps cover the costs of an accident that involves the following types of business cars: cars, vans, service utility trucks, box trucks, and pickup trucks.

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
Rental Car Coverage Liability coverage that protects employees driving a rental  business vehicle
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 (PIP) 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

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Other Car Insurance Coverages You May Need

Besides major auto insurance coverages like regular car insurance and commercial car insurance, you may need a less common policy like ATV, snowmobile, golf cart insurance, or else. Here are the links to the respective sections on the provider’s website:

The Hartford Auto Insurance Rates 2023

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.

Discounts

Catering exclusively to AARP members, The Hartford provides multiple car insurance discounts and perks, including savings of up to 10% of your car insurance premium. Below are the major auto insurance discounts for drivers who hold a membership with AAPR. For more information, visit this webpage.

 

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 2023

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Insurance Type Coverage
Homeowners
  • Property Damage: your home and attached structures
  • Other Structures: structures not directly attached to your home (sheds, garages, fences, etc.)
  • Personal Property: your personal belongings (clothing, furniture, appliances, etc.)
  • Personal Liability: damage or injury to a third party on your property
  • Medical Payments: the emergency medical bills of a third party injured on your property
  • Temporary Living Expenses: your living expenses until your home is inhabitable again
Renters Protection of your personal belongings from fire, smoke, vandalism, theft, and burglary on a rented property:

  • ‘New for Old’: replacement of your possessions with new ones of equal quality
  • Built-in Improvements: protection of the improvements you’ve made on your rental property (for example, wallpaper, bookshelves, etc.), up to 10% of your personal property coverage
  • Living Expenses: your living expenses until your rented home is livable again, up to 20% of your personal property coverage
  • Liability Claims: your liability for an injury or accidental death of a third party on your rented property
  • Medical Payments: medical expenses of a third party who is hurt on your rented property
  • Property Damage: damage caused by you or your family to someone else’s property, up to $1,000
Condo
  • Condo Dwelling: appliances, fixtures, and updates to your condo
  • Condo Personal Property: your personal belongings, including clothing, furniture, and appliances
  • Personal Liability: damage or injury of a third party on your condo
  • Loss of Use: your living expenses until your condo is inhabitable again, provided the condo was rendered uninhabitable due to a covered cause
  • Medical Payments: the medical expenses of a third party who is hurt at your condo
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:

  • Auto Bodily Injury Liability: treatment costs if you are hurt in a car accident
  • Bodily Injury Liability: medical bills of a third party who is suing you
  • Landlord Insurance: extra coverage that you may need if a third party got hurt on your rental property and is suing you
  • Property Damage Liability: extra coverage to cover damage to a third party’s vehicle or property

 

The Hartford Home Insurance Rates 2023

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 2022, the average annual cost of homeowners insurance in the United States was $1,802.

Discounts

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

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Source: TheHartford

The Hartford Business Insurance 2023

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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:

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Rental Car
  • Personal Injury Protection
  • Hired and Non-Owned Auto

Learn more on this webpage

Commercial Flood Damage to your business property and contents, caused by floodwater:

  • Business property: carpeting, cabinets, bookcases, paneling, appliances, furnaces, water heaters, plumbing and electrical systems, solar equipment, windows, foundation walls, anchorage systems, staircases, well tanks, fuel tanks, pumps, and detached garages
  • Contents: air conditioners, clothing, furniture, carpets, precious metals, currency, and valuable items
Business 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
Data Breach  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
  • General Liability Insurance: claims of negligence, faulty products, personal injuries, etc.
  • Business Owner’s Policy: damage to structures on your property where our home-based business is located
  • Business Owner’s Policy with Endorsements
Management Liability Protection of officers and directors from lawsuits:

  • Directors and Officers Insurance: mistakes and wrongful management
  • Employment Practices Liability: employees’ complaints (more on this webpage)
  • Fiduciary Liability: claims of fiduciary mismanagement
  • Crime Insurance: employee forgery, robbery, and theft
  • Kidnap and Ransom/Extortion: extortion, ransom, and kidnapping
  • Management Liability for NPOs, Publicly Traded Companies, and Financial Institutions (more on this webpage)
  • General Partners Liability: claims of prospectus misrepresentation, unfair market conduct, regulatory violations, and breaches of duty
  • Representations & Warranties Insurance: acquisition and merger risks
  • Excess Coverage for Increased Risks: extra liability protection
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.

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Likewise, The Hartford provides several unique opportunities for AAPR members:

  • Risk engineering. The Hartford’s team of insurance and niche experts can evaluate your risk exposures, prepare you to mitigate and overcome certain risks and loss events, and train your workforce. Here’s a full risk engineering review.
  • Surety bonds. The 6th largest sure writer in the United States, the Hartford enables commercial and construction surety bonds, which guarantee that your business will fulfill its financial obligations.
  • The Hartford Productivity Advantage (THPA). THPA is a service that improves the claim process for employees and employers through the automatic creation of leaves, auto-creation of STD and LTD, and more.

The Hartford Insurance 2023 Review and Facts - 1

Source: TheHartford

The Hartford Business Insurance Rates 2023

Here are the average monthly/annual premiums for the most popular business insurance coverages with The Hartford:

  • Business Owner’s Policy – $261.25/$3,135
  • General Liability Insurance – $88.09/$1,057
  • Workers’ Compensation Insurance – $70/$840

The Hartford Life Insurance 2023

The Hartford offers group life insurance comprising the following features:

  • Enhanced Continuity of Coverage Clause
  • Living Benefit Option
  • No Interruption in Premium Waiver Elimination Period
  • Portability Option and Conversion

Likewise, the insurer provides accidental death and dismemberment (AD&D) insurance that covers families and employees from unforeseen accidents and can be customized for the needs of a particular insurance seeker.

Learn more on this webpage.

The Hartford Health Insurance 2023

Insurance Type Coverage
Fee for Service: the most extensive network of doctors and hospitals
  • Basic: doctor visits, normal daily healthcare, surgeries, and hospitalization
  • Major Medical: chronic illnesses and serious injuries
Managed Care
  • PPO plans
  • POS plans
  • HMO plans

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

Likewise, you can outsource the selection and management of your health insurance plan to professionals. More on this webpage.

The Hartford Pet Insurance 2023

The Hartford offers Pet Groomers, Pet Trainers, and Veterinarians insurance. Follow the links for more details.

The Hartford Insurance Ratings 2023: Moody’s, J.D. Power, Standard & Poor’s, and BBB Reviews

J.D. Power 3 out of 5
BBB A+
Standard & Poor’s A+
Moody’s A+

Customer Service Review

The Hartford has good to perfect customer service ratings.

  • All claims ratings: 4.8 out of 5 based on 84,930 reviews
  • Auto & home insurance ratings: 4.8 based on 50,206 reviews
  • Home insurance ratings: 4.7 based on 19,024 reviews
  • Business insurance ratings: 4.8 based on 6,153 reviews
  • Commercial auto insurance ratings: 4.6 based on 1,347 reviews
  • Commercial property insurance ratings: 4.8 based on 6,075 reviews
  • General liability insurance ratings: 4.8 based on 1,187 reviews

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Working at The Hartford

With over 350 vacancies at the time of writing, The Hartford is always on the lookout for new talents:

  • Tech & Data: Data Scientist, Software Engineer, Data Engineer, Scrum Master, Architect, and Software Engineer in Test
  • Customer Service & Operations: Customer Service Rep, Customer Service Relationship Specialist, Premium Auditor, Operations Manager, and Account Manager
  • Claims: Customer Care Representative, Claims Professional, Nurse Customer Care, Nurse Case Manager, Claims Team Leader, and Claims Technician
  • Sales: Sales Consultant, Sales Manager, Inbound Sales Agent, Sales Support, and Regional Relationship Manager
  • Underwriting: Underwriting Consultant, Underwriting Team Lead, Executive Underwriter, Senior Underwriter, and Underwriter Trainee
  • Product: Product Manager and Pricing Analyst
  • Marketing & Communications: Marketing & Advertising Lead, Communications Lead, Designer, Copywriter, Public Relations Lead, and User Experience Designer
  • Human Resources: Recruiter, HR Business Partner, HR Analyst Consultant, Compensation Consultant, Employee Relation Consultant, and Benefits Program Manager
  • Actuary & Advances Analytics: Actuarial Student, Experienced Actuaries, Business Intelligence Consultant, Data Analyst, Data Scientist, and Asset Owner
  • Finance: Financial Consultant, Risk Management Consultant, Reinsurance Account, Senior Accounting Analyst, Investment Portfolio Manager, Financial Analyst, and Internal Auditor
  • Law: Legal Assistant, Paralegal, Litigation Attorney, Compliance Specialist, General Counsel, and Government Affairs Consultant

The Hartford runs several development and leadership programs for students and workers of all levels of experience.

Pros and Cons of The Hartford Insurance

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

How to Become a Partner?

To become an insurance agent with The Hartford,

  1. Click on the ‘Let’s Work Together’ button on this webpage
  2. Fill out this document and return it to NewAppointmentTeam@TheHartford.com

How to File a Complaint?

To file a claim with The Hartford,

  1. Proceed to the claims webpage
  2. Choose the type of claim: personal auto, home & renters, employee benefits, workers’ compensation, commercial auto, commercial property, or general liability
  3. Follow the on-page instructions

Contacts

The full list of contacts is on this webpage.

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