Alternative Balance vs The Hartford

Two business insurance tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Alternative BalanceAlternative Balance	The HartfordThe Hartford
In one line	Liability cover for wellness, beauty, and fitness pros at $269 a year	Small business liability and workers' comp from a long-standing insurer
Starting price	From $22.42/mo	From $67.50/mo
Six-person team	$22.42/mo	$67.50/mo
Plans	$269/yr paid in full ($2M per occurrence, $4M aggregate general and professional liability; equipment cover included); higher-risk services +$139 to +$454; no monthly option	General liability averages about $68/mo ($810/yr) for its small business customers; a $1M policy averages about $69/mo; price depends on state, trade, and limits
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Equipment and participant accident cover included	None needed
Team size	Just me	2–10 people · 11–50 people
Available in	US	US
Phone support	Every plan	Plans not stated
Live chat	Every plan	None listed
Support hours	Phone: Monday-Friday 9AM-5PM (EST)	Phone: M-F: 8 a.m. to 8 p.m. ET
Incidents posted	We found no public status page for Alternative Balance.	We found no public status page for The Hartford.
Trustpilot score	3.2 / 5 from 1 reviews (few reviews)	1.2 / 5 from 506 reviews
Fit: Retail shop	20	75
Fit: Restaurant or café	5	72
Fit: Service business	85	80
Fit: Agency or studio	10	75
Fit: Trades or contractor	25	80
Fit: Online store	10	65
Why people pick it	$2M/$4M limits for $269 a year Equipment cover included	Large, established carrier Bundles liability and workers' comp
Where it falls short	Yearly lump sum, no monthly payments Only for wellness, beauty, and fitness practitioners	Final price needs a quote Not the cheapest online
	Visit Alternative Balance ↗	Visit The Hartford ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices