---
title: "Newfront vs The Hartford"
description: "Newfront provides specialist brokerage and contract support; The Hartford offers direct quotes for eligible small businesses."
canonical: "https://thegeneralaverage.com/compare/newfront-vs-the-hartford"
page-type: "provider-comparison"
updated-at: "2026-09-25"
comparison-pair: "newfront-vs-the-hartford"
provider-a: "newfront"
provider-b: "the-hartford"
---
Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.
[Human-readable page](https://thegeneralaverage.com/compare/newfront-vs-the-hartford)
## Agent Guide
**What this page is:** Side-by-side comparison of Newfront and The Hartford as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores.
**Use this page when:** Cite or fetch this when someone asks how Newfront and The Hartford differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile.
**Questions this page answers:**
- How do Newfront and The Hartford compare?
- Which is better for business insurance, Newfront or The Hartford?
- Does Newfront or The Hartford offer the coverage lines I need?
- What service and claims differences are documented between Newfront and The Hartford?
**Key facts:**
- Providers compared: Newfront and The Hartford.
- Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it.
- 28 offering pages cover the coverage lines both providers document.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.
**Limits (do not over-claim):**
- It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy.
- It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation.
- Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider.
**Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-25. Editorial policy: /editorial-policy.
**Related pages:**
- [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub
- [Newfront profile](https://thegeneralaverage.com/insurance-providers/newfront) — provider profile (evidence for this comparison)
- [The Hartford profile](https://thegeneralaverage.com/insurance-providers/the-hartford) — provider profile (evidence for this comparison)
- [Newfront Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/newfront/commercial-auto) — one provider's documented offering for a shared coverage line
- [The Hartford Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-auto) — one provider's documented offering for a shared coverage line
- [Newfront Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/newfront/commercial-property) — one provider's documented offering for a shared coverage line
- [The Hartford Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-property) — one provider's documented offering for a shared coverage line
- [Newfront Crime Insurance](https://thegeneralaverage.com/insurance-providers/newfront/crime) — one provider's documented offering for a shared coverage line
- [The Hartford Crime Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/crime) — one provider's documented offering for a shared coverage line
- [Newfront Cyber Insurance](https://thegeneralaverage.com/insurance-providers/newfront/cyber) — one provider's documented offering for a shared coverage line
- [The Hartford Cyber Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/cyber) — one provider's documented offering for a shared coverage line
- [Newfront D&O Insurance](https://thegeneralaverage.com/insurance-providers/newfront/directors-officers) — one provider's documented offering for a shared coverage line
- [The Hartford D&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/directors-officers) — one provider's documented offering for a shared coverage line
- [Newfront Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/newfront/employment-practices) — one provider's documented offering for a shared coverage line
- [The Hartford Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/employment-practices) — one provider's documented offering for a shared coverage line
- [Newfront Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/newfront/fiduciary) — one provider's documented offering for a shared coverage line
- [The Hartford Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/fiduciary) — one provider's documented offering for a shared coverage line
- [Newfront General Liability Insurance](https://thegeneralaverage.com/insurance-providers/newfront/general-liability) — one provider's documented offering for a shared coverage line
- [The Hartford General Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/general-liability) — one provider's documented offering for a shared coverage line
- [Newfront Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/newfront/kidnap-ransom) — one provider's documented offering for a shared coverage line
- [The Hartford Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/kidnap-ransom) — one provider's documented offering for a shared coverage line
- [Newfront Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/newfront/management-liability) — one provider's documented offering for a shared coverage line
- [The Hartford Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/management-liability) — one provider's documented offering for a shared coverage line
- [Newfront Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/newfront/professional-errors-omissions) — one provider's documented offering for a shared coverage line
- [The Hartford Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions) — one provider's documented offering for a shared coverage line
- [Newfront Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/newfront/technology-errors-omissions) — one provider's documented offering for a shared coverage line
- [The Hartford Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/technology-errors-omissions) — one provider's documented offering for a shared coverage line
- [Newfront Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/newfront/umbrella-excess) — one provider's documented offering for a shared coverage line
- [The Hartford Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/umbrella-excess) — one provider's documented offering for a shared coverage line
- [Newfront Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/newfront/workers-compensation) — one provider's documented offering for a shared coverage line
- [The Hartford Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/workers-compensation) — one provider's documented offering for a shared coverage line
- [AIG vs Newfront](https://thegeneralaverage.com/compare/aig-vs-newfront) — sibling comparison
- [AIG vs The Hartford](https://thegeneralaverage.com/compare/aig-vs-the-hartford) — sibling comparison
- [Alliance Risk vs Newfront](https://thegeneralaverage.com/compare/alliance-risk-vs-newfront) — sibling comparison
- [Alliance Risk vs The Hartford](https://thegeneralaverage.com/compare/alliance-risk-vs-the-hartford) — sibling comparison
- [Amelia Risk vs Newfront](https://thegeneralaverage.com/compare/amelia-risk-vs-newfront) — sibling comparison
- [Amelia Risk vs The Hartford](https://thegeneralaverage.com/compare/amelia-risk-vs-the-hartford) — sibling comparison
- [Aon vs Newfront](https://thegeneralaverage.com/compare/aon-vs-newfront) — sibling comparison
- [Aon vs The Hartford](https://thegeneralaverage.com/compare/aon-vs-the-hartford) — sibling comparison
- [Armilla vs Newfront](https://thegeneralaverage.com/compare/armilla-vs-newfront) — sibling comparison
- [Armilla vs The Hartford](https://thegeneralaverage.com/compare/armilla-vs-the-hartford) — sibling comparison
- [At-Bay vs Newfront](https://thegeneralaverage.com/compare/at-bay-vs-newfront) — sibling comparison
- [At-Bay vs The Hartford](https://thegeneralaverage.com/compare/at-bay-vs-the-hartford) — sibling comparison
- [The Baldwin Group vs Newfront](https://thegeneralaverage.com/compare/baldwin-vs-newfront) — sibling comparison
- [The Baldwin Group vs The Hartford](https://thegeneralaverage.com/compare/baldwin-vs-the-hartford) — sibling comparison
- [Beazley vs Newfront](https://thegeneralaverage.com/compare/beazley-vs-newfront) — sibling comparison
- [Beazley vs The Hartford](https://thegeneralaverage.com/compare/beazley-vs-the-hartford) — sibling comparison
- [Berkshire Hathaway Specialty Insurance vs Newfront](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-newfront) — sibling comparison
- [Berkshire Hathaway Specialty Insurance vs The Hartford](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford) — sibling comparison
- [biBerk vs Newfront](https://thegeneralaverage.com/compare/biberk-vs-newfront) — sibling comparison
- [biBerk vs The Hartford](https://thegeneralaverage.com/compare/biberk-vs-the-hartford) — sibling comparison
- [CFC vs Newfront](https://thegeneralaverage.com/compare/cfc-vs-newfront) — sibling comparison
- [CFC vs The Hartford](https://thegeneralaverage.com/compare/cfc-vs-the-hartford) — sibling comparison
- [Chubb vs Newfront](https://thegeneralaverage.com/compare/chubb-vs-newfront) — sibling comparison
- [Chubb vs The Hartford](https://thegeneralaverage.com/compare/chubb-vs-the-hartford) — sibling comparison
- [CNA vs Newfront](https://thegeneralaverage.com/compare/cna-vs-newfront) — sibling comparison
- [CNA vs The Hartford](https://thegeneralaverage.com/compare/cna-vs-the-hartford) — sibling comparison
- [Coalition vs Newfront](https://thegeneralaverage.com/compare/coalition-vs-newfront) — sibling comparison
- [Coalition vs The Hartford](https://thegeneralaverage.com/compare/coalition-vs-the-hartford) — sibling comparison
- [Corgi vs Newfront](https://thegeneralaverage.com/compare/corgi-vs-newfront) — sibling comparison
- [Corgi vs The Hartford](https://thegeneralaverage.com/compare/corgi-vs-the-hartford) — sibling comparison
- [Coterie Insurance vs Newfront](https://thegeneralaverage.com/compare/coterie-vs-newfront) — sibling comparison
- [Coterie Insurance vs The Hartford](https://thegeneralaverage.com/compare/coterie-vs-the-hartford) — sibling comparison
- [Counterpart vs Newfront](https://thegeneralaverage.com/compare/counterpart-vs-newfront) — sibling comparison
- [Counterpart vs The Hartford](https://thegeneralaverage.com/compare/counterpart-vs-the-hartford) — sibling comparison
- [Coverdash vs Newfront](https://thegeneralaverage.com/compare/coverdash-vs-newfront) — sibling comparison
- [Coverdash vs The Hartford](https://thegeneralaverage.com/compare/coverdash-vs-the-hartford) — sibling comparison
- [Cowbell vs Newfront](https://thegeneralaverage.com/compare/cowbell-vs-newfront) — sibling comparison
- [Cowbell vs The Hartford](https://thegeneralaverage.com/compare/cowbell-vs-the-hartford) — sibling comparison
- [Embroker vs Newfront](https://thegeneralaverage.com/compare/embroker-vs-newfront) — sibling comparison
- [Embroker vs The Hartford](https://thegeneralaverage.com/compare/embroker-vs-the-hartford) — sibling comparison
# Newfront vs The Hartford: How Do They Compare for Business Insurance?
Newfront provides specialist brokerage and contract support; The Hartford offers direct quotes for eligible small businesses.
## Before You Quote
Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.
## Newfront vs The Hartford in Brief
Newfront brokers specialist technology and executive-risk advice; The Hartford lets eligible small businesses quote its own policies directly. [2](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") [29](https://www.newfront.com/industries/technology "Technology") [38](https://www.thehartford.com/legal-notice "Legal Notice") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business")
## Newfront and The Hartford Reliability Scores
These sourced assessments are shown for context; this comparison does not select a winner.
### Newfront Reliability Scores
Role: Broker.
Broker Reliability Score: **5.0/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).
Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/newfront/reliability).
### The Hartford Reliability Scores
Role: Insurance carrier.
Carrier & MGA Reliability Score: **7.3/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).
Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/the-hartford/reliability).
## Newfront Review Scores for 2026
Review Score: 10.0 / 10 from 1 rated source, equally weighted.
Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality.
- BBB: BBB grade A (BBB letter grade). BBB profile for Ryan Tice | Newfront Insurance at a San Francisco address. Individual-producer/local listing, not Newfront Insurance Services company-wide. BBB profile displays A grade and says not BBB Accredited; grade is not customer stars. Period: File opened 2023-12-22; accessed 2026-09-25. Checked 2026-09-25. [Ryan Tice | Newfront Insurance | BBB](https://www.bbb.org/us/ca/san-francisco/profile/insurance-agency/ryan-tice---newfront-insurance-1116-955130)
Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/newfront/reviews).
## The Hartford Review Scores for 2026
Review Score: 4.9 / 10 from 5 rated sources, equally weighted.
The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.
- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)
Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/the-hartford/reviews).
## An Overview of Newfront and The Hartford
If you need contract review, vendor tracking or a D&O proposal, Newfront documents those brokerage services; The Hartford offers SaaS and small-business policies for eligible companies. Choose Newfront for specialist advice and coordination; choose The Hartford if its products fit and you want to request a quote directly. [32](https://www.newfront.com/contract-review "AI-Powered Contract Review") [31](https://www.newfront.com/partner-management "Partner Management Tool") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business")
## What Stands Out About Newfront and The Hartford?
### Newfront at a Glance
- Newfront’s teams support business insurance, employee benefits and risk management from early stage through enterprise. [1](https://www.newfront.com/ "Newfront") [8](https://www.newfront.com/business-insurance "Business Insurance") [24](https://www.newfront.com/total-rewards "Employee Benefits") (Evidence: Company-reported; scope: Current official service positioning; examples from live navigation. Not a minimum-size or eligibility determination.; verified: 2026-09-15.)
- Newfront describes tools that help its team compare contract insurance requirements with policies and review possible coverage gaps. [32](https://www.newfront.com/contract-review "AI-Powered Contract Review") [33](https://www.newfront.com/cga "AI-Powered Coverage Gap Analysis") (Evidence: Company-reported; scope: AI-supported advisory tools, not a substitute for actual policy or legal review. No adoption of competitor comparisons, minutes-to-completion or outcome claims.; verified: 2026-09-15.)
### The Hartford at a Glance
- SaaS and software businesses can start with a small-business package built around a business owner’s policy. [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [58](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [57](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.)
- Eligible small businesses can start an online quote and purchase flow, call or use an independent agent; commercial auto requires another route. [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [42](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [41](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [51](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.)
## Newfront vs The Hartford Coverage Lines Compared
| Coverage Type | Newfront | The Hartford |
| --- | --- | --- |
| [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Not listed | Listed: The Hartford offers business owner’s policies combining property and liability coverage. [43](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Listed: Newfront lists cargo stock throughput among the coverages its property team handles. [13](https://www.newfront.com/property-insurance "Property") | Not listed |
| [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Listed: As of September 16, 2026, Newfront lists auto liability within its casualty placement services. [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed: The Hartford offers commercial auto insurance as a business coverage; small businesses cannot currently buy it online and may be quoted through a local agency. [51](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: As of September 16, 2026, Newfront markets property placement services and review of property and business-interruption values. [13](https://www.newfront.com/property-insurance "Property") | Listed: The Hartford offers commercial property insurance. [45](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: As of September 16, 2026, Newfront lists fidelity and crime within its executive-risk services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: The Hartford offers crime insurance as a management-liability coverage option. [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") |
| [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Newfront places cyber insurance, negotiates policy wording and provides claims consultation. [12](https://www.newfront.com/cyber-insurance "Cyber Risk") | Listed: The Hartford offers cyber insurance and data-breach coverage. [47](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| [Digital assets](https://thegeneralaverage.com/coverage/digital-assets) | Listed: Newfront offers brokerage services for digital-asset businesses, including custody and theft risk discussions. [19](https://www.newfront.com/industries/blockchain-and-cryptocurrency "Digital Assets & Blockchain") | Not listed |
| [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Newfront lists D&O for private and public companies within its executive-risk services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: The Hartford offers directors and officers liability for private, public and nonprofit organizations. [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [54](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") |
| [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits) | Listed: Newfront offers employee-benefits advice and program design, including funding and pharmacy strategies. [24](https://www.newfront.com/total-rewards "Employee Benefits") [25](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") | Not listed |
| [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Newfront lists employment practices liability within its executive-risk placement and coverage-negotiation services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York. [50](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| [Equipment breakdown](https://thegeneralaverage.com/coverage/equipment-breakdown) | Listed: Newfront offers equipment breakdown solutions through its property practice. [13](https://www.newfront.com/property-insurance "Property") | Not listed |
| [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Listed: Newfront lists fidelity and crime among its executive-risk brokerage coverages. [11](https://www.newfront.com/executive-risk "Executive Risk") | Not listed |
| [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Newfront lists fiduciary coverage among its executive-risk brokerage services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: The Hartford offers fiduciary liability as a management-liability coverage option. [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") |
| [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Newfront includes general liability in its casualty placement services. [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed: The Hartford offers general liability insurance. [44](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| [Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto) | Not listed | Listed: The Hartford offers hired and non-owned auto coverage. [52](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [51](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") |
| [Intellectual property](https://thegeneralaverage.com/coverage/intellectual-property) | Listed: Newfront’s life-science team arranges IP insurance contracts for life-science and technology clients. [18](https://www.newfront.com/industries/life-science "Life Science") | Not listed |
| [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Listed: Newfront lists kidnap and ransom among its executive-risk coverage services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: The Hartford lists kidnap and ransom/extortion among its management-liability coverage options. [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") |
| [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Listed: Newfront arranges management liability insurance for private and public companies. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: The Hartford offers management-liability packages, including Private Choice Premier. [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") |
| [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Listed: Newfront lists product liability among its casualty placement coverages. [10](https://www.newfront.com/casualty-insurance "Casualty") | Not listed |
| [Product recall](https://thegeneralaverage.com/coverage/product-recall) | Listed: Newfront includes product recall in the life-science insurance programs it designs. [18](https://www.newfront.com/industries/life-science "Life Science") | Not listed |
| [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Newfront lists errors and omissions among its executive-risk coverage services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: The Hartford offers professional liability insurance for service businesses. [49](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") |
| [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Listed: Newfront arranges representations and warranties insurance as part of its mergers-and-acquisitions transaction-liability services. [23](https://www.newfront.com/services/mergers-acquisitions "Mergers & Acquisitions") | Not listed |
| [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Listed: Newfront arranges contract and commercial surety bonds. [14](https://www.newfront.com/surety "Surety") | Not listed |
| [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Newfront lists technology errors and omissions among its cyber-risk placement coverages. [12](https://www.newfront.com/cyber-insurance "Cyber Risk") | Listed: The Hartford offers technology errors and omissions coverage through its FailSafe product. [48](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [47](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") |
| [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Not listed | Listed: The Hartford offers inland marine insurance for midsize and large businesses. [57](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") |
| [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: Newfront arranges umbrella and excess liability insurance through its casualty practice. [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed: The Hartford lists commercial umbrella insurance among its business coverage options. [55](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [56](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") |
| [Venture capital asset protection](https://thegeneralaverage.com/coverage/venture-capital-asset-protection) | Listed: Newfront markets venture capital asset protection for venture capital funds and their partners. [16](https://www.newfront.com/industries/venture-capital "Venture Capital") | Not listed |
| [Virtual care and telehealth](https://thegeneralaverage.com/coverage/virtual-care-telehealth) | Listed: Newfront arranges insurance programs for digital-health and telemedicine businesses. [20](https://www.newfront.com/industries/digital-health-and-telemedicine "Digital Health & Telemedicine") | Not listed |
| [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: Newfront arranges workers’ compensation insurance through its casualty practice. [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed: The Hartford offers workers’ compensation insurance. [46](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
## Newfront and The Hartford Coverage, Line by Line
- [Newfront Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/newfront/commercial-auto)
- [The Hartford Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-auto)
- [Newfront Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/newfront/commercial-property)
- [The Hartford Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-property)
- [Newfront Crime Insurance](https://thegeneralaverage.com/insurance-providers/newfront/crime)
- [The Hartford Crime Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/crime)
- [Newfront Cyber Insurance](https://thegeneralaverage.com/insurance-providers/newfront/cyber)
- [The Hartford Cyber Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/cyber)
- [Newfront D&O Insurance](https://thegeneralaverage.com/insurance-providers/newfront/directors-officers)
- [The Hartford D&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/directors-officers)
- [Newfront Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/newfront/employment-practices)
- [The Hartford Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/employment-practices)
- [Newfront Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/newfront/fiduciary)
- [The Hartford Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/fiduciary)
- [Newfront General Liability Insurance](https://thegeneralaverage.com/insurance-providers/newfront/general-liability)
- [The Hartford General Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/general-liability)
- [Newfront Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/newfront/kidnap-ransom)
- [The Hartford Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/kidnap-ransom)
- [Newfront Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/newfront/management-liability)
- [The Hartford Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/management-liability)
- [Newfront Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/newfront/professional-errors-omissions)
- [The Hartford Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions)
- [Newfront Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/newfront/technology-errors-omissions)
- [The Hartford Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/technology-errors-omissions)
- [Newfront Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/newfront/umbrella-excess)
- [The Hartford Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/umbrella-excess)
- [Newfront Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/newfront/workers-compensation)
- [The Hartford Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/workers-compensation)
## Optional Spot Service Handoff
Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.
## Key Differences Between Newfront and the Hartford
### WTW Brokerage Versus Hartford Paper
WTW completed its acquisition of Newfront on 27 January 2026. Current terms use Newfront Insurance Services; older disclosures mention ABD Insurance and Financial Services, Inc. Confirm the licensed entity. Newfront analyzes risk and acts as claims liaison; it is not the insurer. Integration with WTW systems was described as ongoing in a March 2026 privacy notice. [2](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") [3](https://www.newfront.com/terms "General Terms Of Use")
Hartford Fire and other affiliates issue Hartford policies. Direct small-business purchase remains available. [38](https://www.thehartford.com/legal-notice "Legal Notice")
### Practice Depth Versus Product Pages
Newfront catalogues casualty, executive risk, cyber and technology errors and omissions, property including catastrophe perils, surety, a venture-capital insurance program (VCAP) for funds, life-science, digital-asset and transactional products, plus employee benefits strategy. Hartford documents a business owner’s policy, FailSafe, Private Choice Premier, inland marine for larger accounts and employee benefits through Hartford Life and Accident. Newfront’s VCAP and clinical-trial portal are not listed on Hartford’s software-as-a-service industry page; that is a difference in public marketing, not a finding that Hartford never writes related specialty. Hartford’s California built-in employment-practices limitation still applies if the quote is a Hartford business owner’s policy. [29](https://www.newfront.com/industries/technology "Technology") [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [50](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance")
### Consultation Versus Portal Checkout
Newfront’s public path is a consultation form, not a bindable premium. Navigator holds documents and certificates; carrier approval is required before a change is in force. Contract Review and Coverage Gap Analysis are company-described tools. Hartford’s small-business portal is built to quote and pay. [1](https://www.newfront.com/ "Newfront") [42](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote")
Business-insurance fee schedules were not found on Newfront’s public terms materials reviewed for this comparison; Total Rewards uses an order form. Hartford discloses producer compensation. [3](https://www.newfront.com/terms "General Terms Of Use") [59](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty")
## What Should You Confirm in Newfront and The Hartford Quotes?
- **Whether Newfront is marketing Hartford** or other WTW markets for the same lines. [29](https://www.newfront.com/industries/technology "Technology")
- **Navigator versus Hartford My Account** for certificates after placement. [1](https://www.newfront.com/ "Newfront") [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote")
- **Benefits compensation and 60-day exit terms** if Total Rewards is in scope, versus Hartford employee-benefits paper. [3](https://www.newfront.com/terms "General Terms Of Use") [58](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance")
## Newfront vs The Hartford Services Compared
What each provider documents about the services you may need.
| Criteria | Newfront | The Hartford |
| --- | --- | --- |
| Business role | WTW announced that it completed its acquisition of Newfront on January 27, 2026. Newfront’s Business Insurance team joined WTW’s Risk & Broking segment, while Total Rewards joined Health, Wealth & Career. [2](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") (Evidence: Company-reported; scope: Acquirer’s completed-transaction announcement, corroborated by current Newfront homepage; company-reported corporate event, not an insurer financial-strength assessment.; verified: 2026-09-15.)
Newfront’s current terms use the name Newfront Insurance Services. An older official disclosure identifies ABD Insurance and Financial Services, Inc. as the agency behind the Newfront brand following its 2022 merger. The current site calls Newfront Insurance Services a trade name; confirm the full contracting producer name on your engagement agreement. [3](https://www.newfront.com/terms "General Terms Of Use") [1](https://www.newfront.com/ "Newfront") [5](https://downloads.ctfassets.net/c3s9zap8g5rq/13QEYBm9gO92xSeBRClBJc/3e91fc2fb08aea6d7669bbc1fcb3ea4e/Inflection-Point_The-Transformative-Promise-of-AI-in-Insurance-and-Beyond.pdf "Inflection Point: The Transformative Promise Of AI In Insurance And Beyond") (Evidence: Company-reported; scope: Historical corporate identity is separated from current trade-name usage. Current license record and any subsequent legal-name changes could not be independently established. No claim that the former Newfront Insurance Services, LLC remains a separate current producer.; verified: 2026-09-15.)
Newfront’s brokerage team analyzes risks and negotiates insurance placement. Its claims service acts as a liaison with the carrier. The broker’s advice and advocacy do not make Newfront the insurer responsible for the policy. [8](https://www.newfront.com/business-insurance "Business Insurance") [12](https://www.newfront.com/cyber-insurance "Cyber Risk") [34](https://www.newfront.com/services/claims-advocacy "Claims Advocacy") [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: Documented broking and carrier roles. Do not infer risk-bearing authority from “program,” “underwriting,” or ownership of technology.; verified: 2026-09-15.) | Small businesses can buy insurance under The Hartford brand through its subsidiaries and independent agents; the brand itself is not the insurer named on the policy. The Hartford Insurance Group, Inc. is the financial holding company behind the brand. [38](https://www.thehartford.com/legal-notice "Legal Notice") [59](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [55](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [41](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) |
| Coverage lines | Newfront’s casualty offering lists general liability, product liability, commercial auto liability, workers’ compensation, umbrella and excess liability, and environmental and pollution liability. Its workers’ compensation practice describes both conventional programs and structures with larger deductibles or premiums adjusted using loss experience. [10](https://www.newfront.com/casualty-insurance "Casualty") [15](https://www.newfront.com/workers-compensation "Workers’ Compensation") (Evidence: Company-reported; scope: Direct offering pages. Labels establish marketed brokerage capabilities, not insured hazards, available limits or entitlement under a policy. “Retro” paraphrased as loss-adjusted premiums.; verified: 2026-09-15.)
Executive Risk covers the brokerage’s management-liability work: directors and officers (D&O), employment practices, and fiduciary liability for benefit-plan decision makers. Its catalogue also lists professional errors and omissions (E&O), fidelity and crime, kidnap and ransom, independent-director liability, local foreign policies, and Side A difference-in-conditions D&O protection. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Direct Key Coverages list and practice description. Side A DIC is a specialized D&O option; actual trigger and exclusions require proposed wording. Fidelity is not fiduciary liability.; verified: 2026-09-15.)
The Cyber Risk practice offers cyber liability and technology E&O, with listed areas including data breaches, network-security liability, business interruption, and cyber extortion or ransomware. Newfront describes negotiating wording with insurers and working with clients on security controls and breach-response preparation. [12](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Direct offering page; listed areas can be coverage parts rather than separate policies. No inferred right to ransom reimbursement or guaranteed acceptance by an insurer.; verified: 2026-09-15.)
The property practice offers property and business-interruption programs, cargo stock-throughput coverage for goods moving through the supply chain, and catastrophe options including flood, windstorm, earthquake, wildfire, and terrorism. It also describes equipment-breakdown risks, layered placements with multiple insurers, deductible buy-downs, and parametric insurance that uses an agreed event trigger. [13](https://www.newfront.com/property-insurance "Property") [28](https://www.newfront.com/services/alternative-risk-financing "Alternative Risk Financing") (Evidence: Company-reported; scope: Current property offering; scope of catastrophe cover and parametric triggers must come from actual forms. No claim all-risks means every risk is covered.; verified: 2026-09-15.)
Newfront arranges contract and commercial surety bonds, including performance, payment, and subdivision or developer bonds. Its surety practice also markets subcontractor-default and project-loss insurance. These are distinct arrangements; ask for the bond’s indemnity obligations as well as its price. [14](https://www.newfront.com/surety "Surety") (Evidence: Company-reported; scope: Direct offering. Bonds are not treated as interchangeable with liability insurance; no universal instant-issuance claim.; verified: 2026-09-15.)
For venture-capital funds, Newfront markets Venture Capital Asset Protection (VCAP), combining management liability, professional liability, outside-directorship liability, employment practices, and fiduciary liability. It also describes a custom endorsement negotiated with participating carriers to adjust coverage, conditions, exclusions, and definitions for the fund. [16](https://www.newfront.com/industries/venture-capital "Venture Capital") (Evidence: Company-reported; scope: Direct VCAP offering. Public description does not provide the endorsement form or name participating insurers. Does not establish that every portfolio company is a named insured.; verified: 2026-09-15.)
Newfront’s Asset Protection Program serves lenders and loan servicers with lender-placed insurance and coverage for lender-owned property. It spans real-estate, equipment, and auto lending, with services for loan tracking, borrower notices, insurance placement, and claims administration support. [17](https://www.newfront.com/asset-protection-program "Asset Protection Program") (Evidence: Company-reported; scope: Direct specialty offering, not a general startup package. REO paraphrased as lender-owned property; actual insured interests and delegated authority not disclosed.; verified: 2026-09-15.)
Newfront’s life-science practice designs programs for clinical trials, product liability and recall, and describes intellectual-property insurance work. Its digital-asset practice addresses theft and custody risks; its digital-health team designs programs around professional, product, and cyber liability for telemedicine businesses. [18](https://www.newfront.com/industries/life-science "Life Science") [19](https://www.newfront.com/industries/blockchain-and-cryptocurrency "Digital Assets & Blockchain") [20](https://www.newfront.com/industries/digital-health-and-telemedicine "Digital Health & Telemedicine") (Evidence: Company-reported; scope: Direct specialty service pages; IP supported by leadership description of delivered insurance contracts. Digital-assets and telehealth shared keys denote specialty programs, not standardized named forms.; verified: 2026-09-15.)
Other offerings include aviation insurance for aircraft and operators; event-cancellation, weather, and parametric solutions for entertainment businesses; and representations-and-warranties, tax, and contingent-liability insurance for transactions. Newfront also advises on captives and other alternative ways to finance risk. [21](https://www.newfront.com/industries/aviation "Aviation") [22](https://www.newfront.com/industries/entertainment "Entertainment") [23](https://www.newfront.com/services/mergers-acquisitions "Mergers & Acquisitions") [28](https://www.newfront.com/services/alternative-risk-financing "Alternative Risk Financing") (Evidence: Company-reported; scope: Direct current services. Aviation, event cancellation, tax, contingent liability and environmental insurance lack shared sidebar keys; retained in prose without changing the framework.; verified: 2026-09-15.)
The employee-benefits practice helps design and administer benefit programs, with HR support and global-benefits services. Its strategic-planning team evaluates fully insured, level-funded, self-funded, and captive arrangements, including stop-loss program design and pharmacy-benefit options. Retirement and compensation consulting are separate services within Total Rewards. [24](https://www.newfront.com/total-rewards "Employee Benefits") [25](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") (Evidence: Company-reported; scope: Direct offering pages; funding methods are not equivalent policy products. Retirement advice and salary compensation consulting are not commercial casualty coverage.; verified: 2026-09-15.) | Documented Hartford offerings for businesses include a business owner’s policy (general liability, commercial property and business income), stand-alone general liability and commercial property, workers’ compensation, cyber (including BOP data-breach add-ons, CyberChoice First Response and FailSafe Technology E&O), miscellaneous professional liability, employment practices liability, commercial auto and hired/non-owned auto, management-liability packages (Private Choice Premier: directors and officers, EPL, fiduciary, crime, kidnap and ransom), commercial umbrella, employee benefits, and inland marine for midsize and large accounts. Actual forms, limits and availability vary by product, state and underwriting. [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [43](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [47](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [48](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [49](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [50](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [51](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [52](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [55](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [58](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [57](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Product and service pages reviewed 16 September 2026. Educational FAQs were not used as the sole proof of an offering. Marketing lists are not specimen policy wording.; verified: 2026-09-16.)
The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [50](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) |
| Application process | The public buying path starts with a consultation request. The form asks for your role, company, contact details, industry, employee count, and the service you need. It does not display a premium or bind coverage. [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Verified; scope: The empty public form was reviewed on 15 September 2026. No information was entered or submitted; downstream underwriting and purchasing workflow was not tested.; verified: 2026-09-15.)
Newfront describes assembling a team for your industry, reviewing your business and risk exposures, and presenting that information to underwriters. Its technology practice describes onboarding and renewal reviews, with additional market shopping when appropriate. The reviewed public pages do not promise a universal quote or binding turnaround. [8](https://www.newfront.com/business-insurance "Business Insurance") [29](https://www.newfront.com/industries/technology "Technology") [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Company-reported; scope: Service descriptions, not observed customer onboarding or measured timing. A consultation is not a completed insurance application.; verified: 2026-09-15.)
Some online services may require you to appoint Newfront as broker of record—the broker designated to service your insurance. Ask which tools and services are included before signing that appointment. [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: General Terms §1.2; condition applies to some services, not a claim all public pages require an appointment.; verified: 2026-09-15.)
Life-science clients can use Newfront’s Clinical Trial Portal to check country requirements, upload documents, and request quotes. The public description does not establish automatic approval or a guaranteed time to receive coverage. [18](https://www.newfront.com/industries/life-science "Life Science") (Evidence: Company-reported; scope: Public portal description only; no portal authentication, uploads or quotation attempts.; verified: 2026-09-15.) | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [42](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [41](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [51](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [53](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) |
| Servicing and renewals | Newfront says Navigator brings together policy documents, certificates, claims information, payment tools, and communication with the service team. Its Executive Risk page describes renewal submissions pre-filled with historical data and document sharing with access controls. [30](https://www.newfront.com/navigator "Newfront Navigator") [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Official feature documentation and demonstration assets only; no authenticated client account was used or outcome measured.; verified: 2026-09-15.)
A policy or coverage change requested through Navigator remains preliminary until the applicable carrier approves it and provides written confirmation. A submitted request is not evidence that the new coverage is in force. [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: General Terms §5.3. Contractual limitation, not an interpretation of a customer policy.; verified: 2026-09-15.)
Newfront says its Partner Management tool is included in client service agreements at no additional cost. It tracks vendor certificates, expiration dates, compliance issues, and follow-up activity inside Navigator. This is a statement about that tool, not a promise of free brokerage services. [31](https://www.newfront.com/partner-management "Partner Management Tool") (Evidence: Company-reported; scope: Current feature page inclusion statement; actual client eligibility and service scope require agreement confirmation.; verified: 2026-09-15.)
Newfront’s Contract Review tool extracts insurance requirements, compares them with current policies, provides source citations, and notifies the Newfront team. Its Coverage Gap Analysis tool supports the team’s policy reviews. These are company-described functions; the reviewed materials do not independently establish accuracy or prove that all gaps will be detected. [32](https://www.newfront.com/contract-review "AI-Powered Contract Review") [33](https://www.newfront.com/cga "AI-Powered Coverage Gap Analysis") (Evidence: Company-reported; scope: AI-supported advisory tools, not a substitute for actual policy or legal review. No adoption of competitor comparisons, minutes-to-completion or outcome claims.; verified: 2026-09-15.)
Newfront’s March 2026 privacy notice describes integration with WTW as ongoing and anticipates substantial integration by year-end, subject to legal and contractual limits. That is a stated plan, not confirmation that systems, data practices, or service agreements have already been unified. [4](https://www.newfront.com/privacy "Privacy Policy") (Evidence: Company-reported; scope: Introduction, integration statement dated 13 March 2026; do not present anticipated timing as a completed event.; verified: 2026-09-15.) | The Hartford says small-business policyholders can retrieve certificates of insurance online at any time, manage billing and policy details through My Account or its mobile app, and, for workers’ compensation, use pay-as-you-go premium based on actual payroll and a My Workers’ Comp Connection portal. Cyber policyholders are described as having access to a Cyber Center with training and related resources. The reviewed sources did not disclose a published schedule of certificate, endorsement or installment-service fees charged to the insured. [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [46](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [47](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [49](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [60](https://www.thehartford.com/claims "Insurance Claim Center") (Evidence: Company-reported; scope: Company service descriptions as of 16 September 2026. Availability of a portal is not a measure of service quality.; verified: 2026-09-16.) |
| Fees and compensation | A standard business-insurance fee schedule, commission percentage, or premium range was not found in the reviewed business, consultation, and general-terms pages. Request an account-specific disclosure of brokerage fees, insurer commissions, other remuneration, and any separately billed services. [8](https://www.newfront.com/business-insurance "Business Insurance") [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Not found in reviewed sources; scope: Public commercial property/casualty pricing scope. Employee-benefits terms below are not extrapolated to P&C; absence of a public schedule does not mean zero compensation.; verified: 2026-09-15.)
For Total Rewards, the order form sets compensation. The published terms allow insurer-paid commissions or client fees and disclose additional carrier compensation tied to the wider book of business. They also address non-cash compensation, retained unused carrier funds, and separate pass-through expenses. Newfront says supplemental commissions will not affect its recommendations. [26](https://www.newfront.com/terms/total-rewards "Total Rewards Terms Of Service") (Evidence: Company-reported; scope: Total Rewards Terms §§4.1–4.8 only; not P&C-wide terms. Company promise about recommendations is not independently verified conflict-of-interest performance.; verified: 2026-09-15.)
Total Rewards agreements renew annually unless written nonrenewal notice is given at least 60 days in advance. Termination for convenience is allowed during renewal terms with 60 days’ written notice; the client must retain Newfront as broker of record through the current agreement term. Separately, a participating Block Strategy client ending the agreement for convenience during an active affected policy can owe an early-exit fee based on remaining premium savings. [26](https://www.newfront.com/terms/total-rewards "Total Rewards Terms Of Service") (Evidence: Company-reported; scope: Total Rewards Terms §§3.2–3.4. Section 3.4.1 conditions the savings-based fee on Block Strategy participation and active affected coverage; §3.4.2 applies broker-of-record retention to termination for convenience under §3.4, without that participation condition. Not general business-insurance cancellation terms.; verified: 2026-09-15.) | The Hartford discloses that it pays independent producers base commissions (a percentage of premium or a fixed amount per policy), and may also pay contingent or supplemental commissions, fees for services, delegated-underwriting compensation and other benefits. Employees who sell insurance may receive extra compensation beyond salary. Producers may charge their own customer fees that are not Hartford premium. The reviewed pages do not publish the commission rate or any Hartford-charged service fee that would apply to a particular buyer’s policy. Published “average premiums” are company-reported estimates, not quotes. [59](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [41](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [36](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [35](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") (Evidence: Company-reported; scope: Producer compensation disclosure and product-page premium footnotes as of 16 September 2026. Missing a fee schedule is not a finding of zero buyer cost beyond premium.; verified: 2026-09-16.) |
## Provider Profiles for Newfront and The Hartford
- [What Is Newfront?](https://thegeneralaverage.com/insurance-providers/newfront)
- [What Is The Hartford?](https://thegeneralaverage.com/insurance-providers/the-hartford)
## Comparisons Related to Newfront vs The Hartford
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- [Cowbell vs The Hartford](https://thegeneralaverage.com/compare/cowbell-vs-the-hartford)
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- [Embroker vs The Hartford](https://thegeneralaverage.com/compare/embroker-vs-the-hartford)
## Sources for Newfront vs The Hartford
### [Newfront Official Website](https://www.newfront.com)
1. [Newfront](https://www.newfront.com/). Newfront; Built to Scale; business and industry navigation; footer trade-name and license notice; WTW announcement hero. Accessed 2026-09-15.
2. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
3. [General Terms Of Use](https://www.newfront.com/terms). Newfront; Last updated 17 July 2025; opening contracting name; §1.2 Additional Requirements; §5.3 Reliance on Services; §2 copyright and use restrictions. Accessed 2026-09-15.
4. [Privacy Policy](https://www.newfront.com/privacy). Newfront; Last updated 13 March 2026; Introduction, paragraphs beginning “On January 27, 2026” and “We anticipate”; integration timetable and qualifications. Accessed 2026-09-15.
5. [Inflection Point: The Transformative Promise Of AI In Insurance And Beyond](https://downloads.ctfassets.net/c3s9zap8g5rq/13QEYBm9gO92xSeBRClBJc/3e91fc2fb08aea6d7669bbc1fcb3ea4e/Inflection-Point_The-Transformative-Promise-of-AI-in-Insurance-and-Beyond.pdf). Newfront; PDF page 14 of 14, ©2023 footer: Newfront brand name; ABD Insurance and Financial Services, Inc. as surviving agency; 1 January 2022 merger. Accessed 2026-09-15.
6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Search for 0H55918 on 15 September 2026; the public lookup could not be completed and no record was returned. Accessed 2026-09-15.
7. [License List Linked By Newfront](https://docs.google.com/document/d/1UMPePkw6yPnyB41_ME6Tmb0OfTAyDl7dA6bgyLPVvW8/edit). Newfront (linked Google document); Footer-linked license list; the linked list could not be independently read on 15 September 2026. Accessed 2026-09-15.
8. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
9. [Get Started Today](https://www.newfront.com/talk-to-an-expert). Newfront; Consultation form: contact and company fields, industry, employee count, service choices and Additional Details. Accessed 2026-09-15.
10. [Casualty](https://www.newfront.com/casualty-insurance). Newfront; Our Approach: Placement Expertise; Key Coverages to Protect Your Business: General Liability, Product Liability, Auto Liability, Umbrella/Excess Liability, Workers’ Compensation. Accessed 2026-09-16.
11. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Directors and Officers (D&O) for private and public companies, Errors and Omissions (E&O), Employment Practices Liability Insurance (EPLI), Fiduciary, Fidelity and Crime, Kidnap & Ransom; Committed to Client Advocacy: integrated claims and coverage negotiation; Industry-Leading Technology; Executive Risk Solutions Practice Leader description of management liability lines; brokerage footer. Accessed 2026-09-16.
12. [Cyber Risk](https://www.newfront.com/cyber-insurance). Newfront; Coverage Negotiation; Subject Matter Expertise; Key Coverages to Protect Your Business: Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, Cyber Extortion and Ransomware Coverage. Accessed 2026-09-16.
13. [Property](https://www.newfront.com/property-insurance). Newfront; Opening equipment-breakdown service offer; Our Approach: Quality Matters and Global Placement Expertise; No Two Risks are Alike; Key Coverages to Protect Your Business: Cargo Stock Throughput; Talk to an Expert. Accessed 2026-09-16.
14. [Surety](https://www.newfront.com/surety). Newfront; Safeguarding Your Success; Contract Bonds; Commercial Bonds; Key Bond Types for Your Business: Contract Surety, Commercial Surety, Subdivision/Developer Bonds; Industry-Leading Technology. Accessed 2026-09-16.
15. [Workers’ Compensation](https://www.newfront.com/workers-compensation). Newfront; Optimized Risk Financing; Claims Advocacy; Circle of Care; Technology-Based Resources. Accessed 2026-09-15.
16. [Venture Capital](https://www.newfront.com/industries/venture-capital). Newfront; Our approach; Comprehensive Coverage: Venture Capital Asset Protection; Customized Coverage: Manuscript Coverage Endorsement; VCAP policy for funds, partners and portfolio companies. Accessed 2026-09-16.
17. [Asset Protection Program](https://www.newfront.com/asset-protection-program). Newfront; Tailored LPI Services; Comprehensive Coverage Solutions; Strong Carrier Partnerships; Seamless Technology & Full-Service Support. Accessed 2026-09-15.
18. [Life Science](https://www.newfront.com/industries/life-science). Newfront; Insightful risk management (program design for supply chain, clinical trials, product liability and recall); Foreign clinical trial expertise; Clinical trial portal; Leadership: IP insurance contracts for life-science and technology clients. Accessed 2026-09-16.
19. [Digital Assets & Blockchain](https://www.newfront.com/industries/blockchain-and-cryptocurrency). Newfront; Subject matter expertise: theft of digital assets, custody and counterparties; underwriter relationships in US, London and Bermuda. Accessed 2026-09-16.
20. [Digital Health & Telemedicine](https://www.newfront.com/industries/digital-health-and-telemedicine). Newfront; Digital Health & Telemedicine hero; Strategies for the journey; Vertically-dedicated team; A tech-forward take; Step-by-step claims guidance. Accessed 2026-09-16.
21. [Aviation](https://www.newfront.com/industries/aviation). Newfront; Custom Strategy; Deep Industry Connections; Subject Matter Expertise: aircraft, helicopters, VTOL and drones. Accessed 2026-09-15.
22. [Entertainment](https://www.newfront.com/industries/entertainment). Newfront; Subject matter expertise: live events, theme parks, resorts, media companies, event cancellation, weather and parametrics. Accessed 2026-09-15.
23. [Mergers & Acquisitions](https://www.newfront.com/services/mergers-acquisitions). Newfront; Transaction liability: R&W, tax and contingent liability insurance; Due diligence; Go-forward insurance & benefits. Accessed 2026-09-16.
24. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
25. [Strategic Planning](https://www.newfront.com/total-rewards/strategic-planning). Newfront; Funding Approach; Pharmacy Solutions; Renewal Negotiations & Proprietary Programs. Accessed 2026-09-16.
26. [Total Rewards Terms Of Service](https://www.newfront.com/terms/total-rewards). Newfront; Last updated 4 May 2026; §§1–2 scope and client obligations; §§3.2–3.4 renewal, termination and Block Strategy; §§4.1–4.8 compensation and expenses. Accessed 2026-09-15.
27. [Global Insurance](https://www.newfront.com/services/global). Newfront; Our Approach; Worldwide Connections; Global Services including locally admitted coverage. Accessed 2026-09-15.
28. [Alternative Risk Financing](https://www.newfront.com/services/alternative-risk-financing). Newfront; Analyze the options; Robust and unique solutions; Leveraging a Captive. Accessed 2026-09-15.
29. [Technology](https://www.newfront.com/industries/technology). Newfront; Process-driven approach; Fully engaged; IPO D&O Toolkit. Accessed 2026-09-15.
30. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
31. [Partner Management Tool](https://www.newfront.com/partner-management). Newfront; Simplify Compliance. Strengthen Vendor Management; Automated Compliance, No Extra Cost. Accessed 2026-09-15.
32. [AI-Powered Contract Review](https://www.newfront.com/contract-review). Newfront; Introduction; Clarity Without the Complexity; Backed by Experts. Accessed 2026-09-15.
33. [AI-Powered Coverage Gap Analysis](https://www.newfront.com/cga). Newfront; Consistent, Confident Coverage Reviews; walkthrough describing tools used by Newfront teams. Accessed 2026-09-15.
34. [Claims Advocacy](https://www.newfront.com/services/claims-advocacy). Newfront; Pre-loss protocols; Meaningful consulting; Proactive advocacy; Comprehensive service at the core. Accessed 2026-09-15.
### [The Hartford Official Website](https://www.thehartford.com)
35. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
36. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16.
37. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16.
38. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
39. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16.
40. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16.
41. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
42. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Accessed 2026-09-16.
43. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; products-not-available-in-all-states footnote; last updated May 20, 2026. Accessed 2026-09-16.
44. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; General liability introduction and Get a Quote; stand-alone GL and BOP bundling; products-completed operations; technology-company example; subsidiary-offering disclosure; last updated May 20, 2026. Accessed 2026-09-16.
45. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; property and business-interruption descriptions; technology firms among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16.
46. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; Benefits of The Hartford’s WC Insurance for Employers and Employees; quote route; state-requirement quiz (some states require a state-run program); pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16.
47. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; Cyber insurance and data breach descriptions; BOP-endorsed cyber, CyberChoice First Response and FailSafe; Technology Errors and Omissions Insurance Coverage: FailSafe; Get a quote for cyber insurance; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16.
48. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; Technology Errors and Omissions Insurance Coverage: FailSafe Technology Liability Product Suite (E&O, security, data privacy and network security, personal injury, intellectual property, media liability); software and SaaS buyer classes; last updated September 19, 2024. Accessed 2026-09-16.
49. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Who Needs Professional Liability Insurance Coverage?; industry offering list; miscellaneous professional liability; Errors & Omissions Insurance for Technology Companies; claims-made versus occurrence; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16.
50. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; EPLI introduction; Hartford-provided EPLI; BOP inclusion; Private Choice Premier and Employers Premier Choice; footnote 2: built-in EPL coverage is not available in California, Minnesota, North Dakota or New York, and the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16.
51. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Small-business availability banner: not currently offered online for small businesses, with quotes through a local agency or partner; hired and non-owned auto description; footer product-availability disclosure; last updated August 27, 2026. Accessed 2026-09-16.
52. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hired and non-owned auto offering; liability-only limitations; availability banner; commercial-auto referral disclosure; last updated August 27, 2026. Accessed 2026-09-16.
53. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Opening Private Choice Premier package description (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion) and agent route; Who Does Management Liability Insurance Protect?; Fiduciary Liability Insurance; Crime Insurance; option to add certain coverages to a BOP; management-liability organization sections. Accessed 2026-09-16.
54. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations through Private Choice Premier; management-liability organization sections. Accessed 2026-09-16.
55. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages; about-10-minute quote claim; products not available in all states; coverages offered by P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16.
56. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages (EPL, data breach and others); products-not-available-in-all-states footnote; last updated July 28, 2025. Accessed 2026-09-16.
57. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Inland Marine Insurance Solutions introduction; midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses; Find an Agent or Broker. Accessed 2026-09-16.
58. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16.
59. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16.
60. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16.
61. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16.
62. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16.
Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source.
## Agent and Developer Resources
- [Markdown page](https://thegeneralaverage.com/compare/newfront-vs-the-hartford.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://thegeneralaverage.com/llms.txt)