The Hartford Reviews 2026
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.
Compare The Hartford’s review scores, service concerns and Reliability Score before choosing business insurance.
The Hartford Ratings by Review Source in 2026
Compare ratings on the same 10-point scale, including approximate BBB grade conversions. Open source details for the original score, sample and scope.
| Source | Score | What to Know |
|---|---|---|
| NerdWallet | 9.0 | NerdWallet business review: 4.5/5; fewer-than-expected GL/property complaints (2022-24); below-average 2025 small-business J.D. Power result. Editorial assessment.1 Source detailsEditorial commercial-insurance assessment; methodology and scope belong to publisher. |
| J.D. Power | 7.9 | Primary J.D. Power 2022 U.S. Independent Agent Satisfaction Study lists The Hartford at 794 on its 1,000-point overall customer-satisfaction index for commercial-lines insurers; segment average 756. This measures agents’ satisfaction with insurer partners, not business policyholders; field/population differs from the 2025 Small Commercial Insurance Study.2 Source detailsStudy population/segment as stated; not a universal policy quality score. |
| Trustpilot | 2.4 | Direct Trustpilot page shows 493 reviews, a numeric TrustScore 1.2/5. The star graphic is rounded; the numeric score is used. Trustpilot says the company has not invited customers. Reviews mix commercial, personal and benefits contexts.4 Source detailsSelf-selected consumer aggregate; product and business/personal scope may be mixed. |
| ConsumerAffairs | 3.2 | Homeowners profile: 1.6/5, 147 reviews; updated Sep 12 2026. Personal-lines scope.5 Source detailsSelf-selected consumer aggregate; product and business/personal scope may be mixed. |
| Google via Birdeye | 2.0 | Schaumburg, Illinois office listing displays 1.0/5 from 10 Google-origin reviews and 0 native Birdeye reviews. Visible posts mix business insurance billing/contact and general-liability/workers-compensation complaints with personal auto and leave-benefit feedback. This is a local, small sample and not firmwide.7 Source detailsOne 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. |
| BBB | – | BBB profile located for The Hartford Financial Services Group, Inc. (holding group); separate reviews/complaints pages. Grade and stars not captured, not commercial-specific.6 Source detailsBBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. |
Other sources checked (2)
- NAIC
The NAIC CIS page opened to a generic refined-search shell; exact-name/code web searches did not return a company-specific NAIC complaint-index report. This is a search outcome, not evidence of zero complaints or no NAIC data. NerdWallet’s complaint summary is recorded only in the NerdWallet source.3
Named insurer entity, line, state and year if applicable; for broker entities status is not-applicable.
- Provider website
The provider website supplies company and offering context. Company-authored material is not included as a customer rating.8
Company-authored identity and offering context; not independent customer feedback.
What Does the The Hartford Review Evidence Mean for Your Business?
Limitations of The Hartford Review Data
- Not-found means the search did not locate evidence, not that reviews or complaints do not exist.
- Do not merge editorial scores, study ranks, BBB grades, review stars or NAIC indices; their methods and scopes differ.
- Consumer reviews may be self-selected and do not prove policy coverage or claim outcome.
What Should You Ask The Hartford Before You Buy?
- Which Hartford writing entity issues the proposed product in this state?
- Can the agent provide current complaint indices for that named entity, line and jurisdiction?
Disclosure About Our The Hartford Review Research
Spot’s interpretation separates editorial ratings, customer feedback, business grades and complaint data. Scores belong to the named sources; Original ratings and their scope are available in the source details. Research gaps are not evidence of poor service. Coverage and claims depend on the insurer and policy you buy.
8 documents, numbered as cited. Open the sources