ERGO NEXT Insurance vs The Hartford

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

Compare	ERGO NEXT InsuranceERGO NEXT Insurance	The HartfordThe Hartford
In one line	Liability and workers' comp quoted online in minutes	Small business liability and workers' comp from a long-standing insurer
Starting price	From $19/mo	From $67.50/mo
Six-person team	$19/mo	$67.50/mo
Plans	General liability from $19/mo for low-risk businesses; final price set by underwriting	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	Certificates shareable by link	None needed
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US	US
Phone support	None listed	Plans not stated
Live chat	Plans not stated	None listed
Support hours	Live chat: Live agents Mon–Fri 8 a.m.–5 p.m. CT; AI assistant 24/7	Phone: M-F: 8 a.m. to 8 p.m. ET
Incidents posted	We found no public status page for ERGO NEXT Insurance.	We found no public status page for The Hartford.
Trustpilot score	3.9 / 5 from 1,437 reviews	1.2 / 5 from 506 reviews
Fit: Retail shop	70	75
Fit: Restaurant or café	60	72
Fit: Service business	85	80
Fit: Agency or studio	70	75
Fit: Trades or contractor	95	80
Fit: Online store	55	65
Why people pick it	Instant COIs Online claims	Large, established carrier Bundles liability and workers' comp
Where it falls short	Not every state and trade Higher risk classes get referred out	Final price needs a quote Not the cheapest online
	Visit ERGO NEXT Insurance ↗	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