Best in class for technology companies, and almost impossible to buy properly without a broker.
The Hartford is our number one carrier relationship and the strongest technology and MSP program we place. They write 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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Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What we place with The Hartford.
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 our The Hartford clients ask us.
Is The Hartford good for technology companies?
They are the best we place for it, and two things set them apart. The limits are real: a businessowners policy customizable to $2M per occurrence and $4M aggregate, with up to $10M of umbrella above it, which matters because technology companies call us when a contract names a number their carrier cannot sell. So is the technology E&O: FailSafe writes up to $5M and includes third-party cyber. That distinction is the argument, because much of what is sold to technology companies is miscellaneous professional liability with privacy claims excluded.
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.
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.
What do you actually place with The Hartford?
They are neck and neck with Travelers as our largest carrier by policy count, and the mix is different in a way worth knowing.
What kinds of business does The Hartford write for you?
Workers compensation more than any other carrier we use, then business owners policies. The classes are restaurants, motion picture and video production, landscaping, and computer programming and services. That last pair is the technology book this page is mostly about, at real volume rather than one flagship account.
Can The Hartford bill my workers comp from payroll?
Yes, and theirs is one of the better-known programs: XactPAY calculates premium from actual payroll each pay period, integrates with common payroll services and QuickBooks, and cuts both the deposit and the audit surprise. It is the direct answer to the main reason people buy workers comp from their payroll provider.
Why go through a broker instead of buying direct?
Because it does not cost you anything, which is the part that surprises people. Broker compensation is built into the carrier's rate whether you use one or not: buying direct does not remove the cost, it removes the person being paid to be on your side of it.
Also in this family
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. 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.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.