TH
The HartfordBest for bundled policies
A strong choice for businesses that want several coverages in one policy.
- Comprehensive bundles
- Established insurer
- Some coverages require speaking with an agent
Small Business Insurance · Updated October 2026
The Hartford vs Hiscox (2026)
Both are popular small business insurance choices. Here's how they compare on coverage types · limits · premium, and which one fits which shopper.
The quick verdict
- The Hartford Best for bundled policies A strong choice for businesses that want several coverages in one policy.
- Hiscox Best for freelancers and consultants Well suited to consultants, freelancers and other service businesses that need E&O coverage.
H
HiscoxBest for freelancers and consultants
Well suited to consultants, freelancers and other service businesses that need E&O coverage.
- Specialist in professional liability
- Good fit for small service firms
- Less focus on high-risk trades
Side-by-side comparison
TH | H | |
|---|---|---|
| Buy through | Online, agents | Online, phone |
| Coverages | GL, BOP, WC, auto, E&O | E&O, GL, BOP, cyber |
| Certificates | Online | Online |
| Visit site | Visit site |
Also consider
- NEXT Insurance (ERGO) · Best for buying online
What to compare before you choose
- General liability. Covers third-party injury and property damage claims. Often required by landlords and clients.
- Business owner's policy. Bundles general liability with commercial property at a lower price than buying both separately.
- Professional liability. Covers claims that your advice or work caused a client financial loss.
- Workers' compensation. Required in most states once you have employees. Covers work-related injuries.
Compare all small business insurance providers that serve your ZIP code.
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