Best in class for technology companies, and almost impossible to buy properly without a broker.
An honest assessment of The Hartford — our number one carrier relationship, the strongest technology and MSP program we place, and a book that is written almost entirely through agents rather than direct.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
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What The Hartford businesses actually need.
Technology and MSP programs
A BOP that can be built to $2M/$4M general liability with up to $10M umbrella above it.
Without it — Hands down the best technology and managed services program we place, at limits enterprise contracts actually name.
FailSafe technology E&O
Up to $5M technology errors and omissions, including third-party cyber, with first-party available as an add-on.
Without it — Written standalone or packaged into the BOP — and it is real tech E&O rather than a miscellaneous form with data claims carved out.
Employment practices liability
EPLI priced competitively in California, New York and the other high-exposure states.
Without it — The states where employment claims are most frequent are the states where this is hardest to price. They price it.
Management liability add-ons
Directors and officers, crime and fiduciary, available alongside the EPLI rather than as separate placements.
Without it — One program, one renewal date, and the management lines a funded company is expected to carry.
What The Hartford operators ask us.
Is The Hartford good for technology companies?
They are the best we place for it, and we place a lot of it. Two things set them apart. The limits are real. Their BOP can be customised up to $2M per occurrence and $4M aggregate on the general liability, with up to $10M of umbrella above it — which matters because the reason technology companies call us is almost always a contract naming a number their current carrier cannot sell. The technology E&O is real too. Their FailSafe product writes up to $5M, includes third-party cyber, and first-party cyber can be added. It is available standalone or packaged into the BOP. That distinction is the whole argument: a lot of what gets sold to technology companies is miscellaneous professional liability with personal-information and privacy-regulation claims excluded, which removes the exposure the business actually has. This is not that. There are exclusions, as there are on every form, and higher limits require contract review — which is a reason to have somebody guide the submission rather than a reason to avoid it.
What about employment practices in California or New York?
This is their other standout. EPLI in California, New York and the other high-exposure states is where a lot of carriers either decline or price defensively, because that is where employment claims are most frequent and most expensive. The Hartford prices it competitively, and they will add directors and officers, crime and fiduciary alongside it — so a company that would otherwise be assembling three or four separate placements can have the management lines in one program on one renewal date. For a funded company in either state that is a materially better structure than the alternative, and it is one of the placements where we have cut a program’s cost substantially without reducing what it covers.
Why can’t I just buy it direct?
Because there is almost no direct channel to buy. Their representative told us that less than 5% of their business is written direct — that is their figure rather than ours, and it explains the whole shape of this carrier. A book written almost entirely through agents is one where the underwriter relationship is not a nicety, it is the product. Getting a good outcome here depends on the submission reaching an underwriter who writes your class and knows the agency presenting it, and on somebody structuring it — the limits, the contract review for the higher layers, which lines package and which sit standalone. That is not a process the website version of insurance runs. It shows up in two concrete ways. They give independent agents genuine pricing discretion, so an agent who can make the case for an account has room to move on the number rather than reading you whatever the system returned. And their underwriting is the quickest of any carrier we work with, which on a deal waiting for a certificate is the difference between bidding and not. It is also the honest reason we name them our number one relationship. We were the number two agency in the country for Hartford commercial business inside our network in the first quarter of 2026 — a disclosure rather than a boast, since you should know the relationship exists when you weigh the rest of this page. The Hartford has helped us cut large programs to roughly half of what the client was paying, and those outcomes came from knowing which underwriter to call rather than from filling a form in faster.
Why go through a broker instead of buying direct?
Six reasons, and the first one surprises people. It does not cost you anything. Broker compensation is built into the carrier’s rate whether or not you use one — buying direct does not remove it, it just means nobody is being paid to be on your side. You are declining the representation, not the cost. Somebody negotiates for you. An agent represents YOU rather than the carrier, which matters most at the two moments that decide whether insurance was worth buying: when the account is being underwritten and priced, and when a claim is being adjusted. Direct writers have neither role available to you. You stop queueing. A certificate, an endorsement, a vehicle added, a limit raised — through an agent those are usually same-day, often same-hour. Through a service queue they are a wait, and you explain your business again to whoever answers. You get the same person. We assign a dedicated account manager from day one, so the person handling your renewal already knows what you do, what your contracts require, and what went wrong last time. Nobody starts from your policy number. We re-shop it every year. Not the same carrier re-rated — a genuine comparison across multiple carriers and products, because the market that was right for you at $400,000 of revenue is frequently not the one that is right at $1.2M. That is the single largest source of savings we find, and it is structurally unavailable if you buy direct. And we will tell you when to stay. If the policy you have is the right one, that is an answer we are willing to give, and it is why the comparison is worth doing at all.
Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.