Hiscox vs The Hartford

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

Compare	HiscoxHiscox	The HartfordThe Hartford
In one line	Professional liability for consultants and agencies	Small business liability and workers' comp from a long-standing insurer
Starting price	From $29.17/mo	From $67.50/mo
Six-person team	$29.17/mo	$67.50/mo
Plans	General liability examples on its cost page: $29.17/mo ($350/yr), $0 deductible, for an IT consultant in California ($100k payroll, $500k/$2M limits) and a business consultant in Texas ($200k payroll, $1M/$2M limits); price depends on your business; monthly payments cost no extra; professional liability quoted by profession	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	Standalone	None needed
Team size	Just me · 2–10 people	2–10 people · 11–50 people
Available in	US · UK	US
Phone support	Not looked up yet	Plans not stated
Live chat	Not looked up yet	None listed
Support hours	Not published	Phone: M-F: 8 a.m. to 8 p.m. ET
Incidents posted	We found no public status page for Hiscox.	We found no public status page for The Hartford.
Trustpilot score	1.4 / 5 from 959 reviews	1.2 / 5 from 506 reviews
Fit: Retail shop	40	75
Fit: Restaurant or café	30	72
Fit: Service business	90	80
Fit: Agency or studio	92	75
Fit: Trades or contractor	55	80
Fit: Online store	45	65
Why people pick it	Knows professional services Fast quotes	Large, established carrier Bundles liability and workers' comp
Where it falls short	Weaker for trades and retail	Final price needs a quote Not the cheapest online
	Visit Hiscox ↗	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