Specialty market · we shop it AM Best A+ (Superior/Excellent)

The Hartford

The Hartford is a leading U.S. commercial insurer with one of the most recognized small-business franchises in the country. Its management-liability and EPLI products are well-suited to small and mid-sized employers, backed by an A+ (Superior) AM Best rating.

Financial strength

AM Best A+ · XV

Parent

The Hartford Financial Services Group

Headquarters

Hartford, CT

Founded

1810

EPLI appetite

Excellent for small business and lower-middle-market employers, including packaged management-liability solutions. A strong, stable default for standard classes.

Small businessLower-middle-marketPackageManagement liabilityStandard classes

What they write

EPLI

Standalone or in a management-liability package.

Management liability

Private-company D&O / EPL / fiduciary.

Business owner’s package

EPLI alongside core commercial lines.

Why we place EPLI here

The Hartford’s small-business depth and A+ strength make it a reliable home for the many standard employers who want a brand-name carrier behind them.

Common questions

Is The Hartford good for small business?

Yes — it is one of the strongest small-business carriers in the U.S., with packaged management-liability and EPLI options.

What is its rating?

The Hartford’s lead company was upgraded to A+ (Superior) by AM Best in July 2025.

Sources · AM Best, upgraded to A+ (Superior) Jul 2025

AM Best upgrade (Jul 2025) ↗The Hartford — official site ↗

Financial-strength ratings are AM Best opinions current as of the date shown and are not a guarantee of coverage or claims-paying ability. We confirm the issuing company and its current rating on every placement.

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